Line of Credit in Kansas

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Line of Credit in Kansas

Getting access to money when you need it is easy with a MoneyKey Kansas Line of Credit. A Line of Credit is a borrowing option that gives you access to any amount of funds up to your credit limit. It is a revolving loan that, unlike a traditional payday or installment loan, remains active even after you have paid it down to a zero balance. This means that when you pay off your balance, you don’t have to submit a new application. Instead, you can continue to withdraw money up to your available credit limit.

We make applying for an online Line of Credit in Kansas fast and secure. Our friendly and knowledgeable Customer Care agents are available 7 days a week to assist you throughout the application and repayment process. They can answer any credit-related questions you may have.


How It Works

1. Submit Your Application

2. Get Approved

3. Get Money The Same Business Day*


Understanding the Line of Credit

We’ve updated our terms. If you opened your Line of Credit account before November 7, 2018, please refer to your loan agreement for your terms and conditions.

Unlike a traditional installment loan, you only need to apply once for a MoneyKey Kansas Line of Credit. If you are approved, you will have access to funds up to your credit limit, regardless of how many draws you make.

Line of Credit Amount

The amount of your Kansas Line of Credit will range between $200 and $2,000. After we review your application, we’ll let you know if you’re approved and how much you may qualify for.

Line of Credit Cost

You will be charged interest on the outstanding principal balance of your Line of Credit at a daily rate of 0.8000%. The corresponding annual percentage rate (APR) is 292%. This interest is only charged on the amount you use (the outstanding principal balance), not your total credit limit.

Making a Draw

You can withdraw the total credit available to you all at once, or in smaller amounts over time as you need it. When you request a draw, funds may be deposited to your bank account the same business day*.

Making a Payment

Before your due date, you will be issued a periodic statement outlining how much you owe. You are required to make your minimum payment by your due date, and you can also pay more to pay down your outstanding principal balance.

Your Minimum Payment

Your minimum payment for each billing cycle will consist of 2 components:

  1. Interest: charged at a daily rate of 0.8000% on your outstanding principal balance for each day of your billing cycle;
  2. A required principal payment: based on your pay frequency, as outlined below.

The exact amount of your minimum payment and the corresponding due date will be outlined in your periodic statement.



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Key Terms

Outstanding Principal Balance

This is the amount of money you’ve used or borrowed on your line of credit, not including any interest and/or fees you may owe.

Billing Cycle

The period of time between periodic statements. Your periodic statement is generated a day after the billing cycle ends.

Periodic Statement

Periodic statements contain a listing of all transactions, fees, and interest within a billing cycle. Your first statement will typically be generated on your first pay date after you make your first draw. Subsequent statements will be generated on each due date. You can access and download your periodic statements from your online MoneyKey account.

Required Principal Payment

Your minimum payment includes a mandatory contribution towards your outstanding principal balance – this is your Required Principal Payment.

If you receive your income weekly, bi-weekly or semi-monthly, your required principal payment as shown on your periodic statement will be 2% of your outstanding principal balance as of the end of each billing cycle.

If you receive your income monthly, your required principal payment as shown on your periodic statement will be 4% of your outstanding principal balance as of the end of each billing cycle.

State License

MoneyKey – KS, Inc. is a Supervised Lender licensed by the State of Kansas, Office of the State Bank Commissioner, Consumer and Mortgage Lending Division. The Line of Credit is funded by MoneyKey – KS, Inc. and governed by all applicable laws. For more information regarding the license status of MoneyKey – KS, Inc., please visit the National Multistate Licensing System website.


Line of Credit in Kansas: Frequently Asked Questions

  • How do I qualify for a line of credit?

    To qualify for a Line of Credit in Kansas, you must:

    • Be at least 18 years old
    • Be a US citizen or a permanent resident
    • Be a resident of Kansas
    • Have an active bank account
    • Have a regular source of income
    • Have a valid contact number and an active email address

    Please note that we currently do not offer credit products with rates that allow us to lend to covered members of the US armed forces and their dependents.

  • Is this a payday loan?

    This is not a payday loan. At this time, we don’t offer Payday Loans in Kansas. A payday loan is a short-term loan that you pay back in full on your next payday. This is a Kansas Line of Credit, which is different because it doesn’t require you to make a lump-sum payment on your next payday. Instead, this is an open-ended loan on which you are only charged interest for the amount you use.

  • Where can I find loan places near me that offer lines of credit?
  • Would you prefer to scour your neighborhood for places to apply for a loan, or apply from the comfort of your own home? With an online loan through MoneyKey, you can apply for a loan in just a few short minutes without leaving your couch.

  • How do I access my account?

    You can always log into your online account at MoneyKey.com to see your up-to-date account information.

  • Can I pay more than the minimum payments?

    Absolutely. MoneyKey encourages you to make additional payments above your minimum payment in order to pay down your outstanding principal balance, increase your available credit and decrease your interest charges. If you’d like to make additional payments, please contact us at 1-866-255-1668 at least 24 hours prior to your due date.

  • I don’t live in Kansas, can I still apply for a Kansas Line of Credit?

    You have to live in Kansas to get a Kansas Line of Credit. Whether you live in Kansas City or Wichita, applying for a Line of Credit in Kansas is easy and secure.

    If you live in another state, please check our rates page to see if Lines of Credit or other products such as Installment Loans are available in the state that you currently live in.

Have more questions? Please refer to our general FAQ page or contact our Customer Care team at 1-866-255-1668.

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Not all applications are approved; duration of approval process may vary. Credit limits/loan amounts are subject to further verification criteria. If you are a returning customer, loan amounts may vary.

*If approved, any requested funds may typically be deposited into your bank account the same business day; timing of funding may vary by product and state. The date and time funds are made available to you by your bank are subject to your bank's policies. For specific funding cut-off times, click here.

**You may request a draw from your Line of Credit at any time, so long as you have available credit and your account is in good standing. In the State of South Carolina, you can withdraw the total credit available to you all at once, or in smaller amounts over time as you need it, with a required minimum draw of $610.

As you move through your credit journey, your account may become eligible for reduced charges and/or increased credit limits/loan amounts based on good payment history over time. You will receive notices, as applicable, regarding your individual circumstances and eligibility.

Depending on your state of residence, applications submitted on this website may be originated by one of several lenders, including: CC Flow, a division of Capital Community Bank (CCBank), a Utah Chartered bank, located in Provo, Utah, Member FDIC. The CC Flow Line of Credit is provided by CC Flow. Additionally, CC Flow maintains critical control over loan origination, underwriting approvals, and regulatory and compliance oversight management. MoneyKey is an authorized servicer of CC Flow. This means the CC Flow Line of Credit is available through MoneyKey and you will maintain your CC Flow Line of Credit account through MoneyKey.

Product availability varies by state. To see loan products offered in your state of residence, please visit our Rates and Terms page.

MoneyKey – TX, Inc. is licensed as a Credit Access Business (CAB), License No. 16641-62815, by the Office of the Consumer Credit Commissioner and registered as a Credit Services Organization (CSO), Registration No. 20110150, by the State of Texas. All loans for which MoneyKey acts as a CSO/CAB are funded by an unaffiliated third-party lender and serviced by MoneyKey. In the State of California, MoneyKey – CA, Inc. is licensed by the Department of Financial Protection and Innovation pursuant to California Deferred Deposit Transaction Law License No.1004516.

Reviews and any ratings referenced are based on Trustpilot reviews. Images are for illustrative purposes only. Reviews reflect individuals’ opinions and may not be illustrative of all individual experiences with MoneyKey.