Line of Credit in Knoxville, TN

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Online Line of Credit in Knoxville

We know that trying to deal with an unexpected expense can be stressful, especially when you have nowhere to turn to for emergency funding. If you’re in need of extra funds, MoneyKey may be able to help! With a Line of Credit in Knoxville and available throughout Tennessee, you may be able to get the money you need to help you take care of the financial repercussions of your emergency expense. If approved, you can get a personal Line of Credit with a credit limit between $200 and $2,000.

Completing an application for Personal Loans in Knoxville with MoneyKey is a clear and straightforward process. The application only takes a few minutes to complete, and if you’re approved, you could have the cash you need as soon as the same business day*.

Details of Our Lines of Credit in Knoxville, TN

Home to the University of Tennessee and sitting just 45 minutes from Smoky Mountains National Park, Knoxville is a vibrant community with much to offer. As the birthplace of HGTV, members of the Knoxville community may know a thing or two about the cost of home renovations. Because of this, they may have a better idea than most of the potential consequences of dealing with an emergency home repair. For times like this, it’s important to financially prepare yourself to handle these types of emergencies.

Your first step should be to build an emergency fund, but if you find yourself without one and need funds in an emergency, MoneyKey may be able to help! We offer Personal Loans in Knoxville, TN (in the form of a Line of Credit) that can help you take care of an emergency expense when you don’t have the savings to cover it.

Apply Now or call us at 1-866-255-1668 for more information.

Line of Credit Loan Amount in Knoxville

The amount of your Tennessee 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.

The Cost of Your Line of Credit

The interest you will be charged on your MoneyKey Line of Credit in Knoxville is made up of two charges:

Interest Charge Daily rate Annual Percentage Rate (APR
Interest 0.06575% 24.0%
Customary Fee 0.70000% 255.5%
Total 0.76575% 279.5%
  • The interest shown above will be calculated based on the Average Daily Principal Balance. This means that you’re charged interest at the daily rate for each day of your Billing Cycle.
  • You will only be charged interest on the amount of money you use, not on your total credit limit.

Making a Draw

  • Withdraw available funds all at once, or in smaller amounts as needed.
  • Funds are typically deposited into your bank account the same business day after requesting a draw*.

Making a Payment on Your Knoxville Line of Credit

  • Your Periodic Statement will be sent to you before your due date.
  • You must make your Minimum Payment by your due date.
  • You can make more than your Minimum Payment to pay down your Outstanding Principal Balance.

Your Minimum Payment

  • Your Minimum Payment for each Billing Cycle will be made up of two components:
    • Interest: this will be calculated based on your Average Daily Principal Balance; and
    • A Required Principal Payment: this is based on your pay frequency.

State License

MoneyKey – TN, Inc. is a Flexible Credit company licensed by the State of Tennessee, Department of Financial Institutions. The Line of Credit is funded by MoneyKey – TN, Inc. and governed by all applicable laws.

Please click on the photo below to view our Tennessee License.

Tennessee state license

Online Line of Credit in Knoxville: Frequently Asked Questions

What are the minimum requirements for a Line of Credit in Knoxville, TN?

In order to qualify for an online loan with MoneyKey in Knoxville, borrowers must:

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

Please note that currently, no credit products offered through MoneyKey have rates that would meet the requirements applicable to lend to covered members of the US Armed Forces and their dependents.

Can I qualify for Personal Loans in Knoxville, TN with a bad credit score?

You can. If you’re able to meet the minimum requirements listed above, you may be able to qualify for a Line of Credit in Knoxville with MoneyKey.

Is this the same thing as a payday loan?

No, this is not a payday loan. In fact, we don’t offer Payday Loans in the state of Tennessee. A payday loan is a short-term loan that you pay back in full on your next payday. This is a Line of Credit, which is a form of revolving credit that doesn’t require you to make a lump-sum payment on your next payday. Since a line of credit is an open-ended loan, you are only required to make your minimum payments to keep your account in good standing. MoneyKey recommends that you pay more than your minimum payments to pay off your line of credit sooner.

How do I access my account?

You can always log into your MoneyKey account 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.

Can I cancel my loan or a draw?

You can cancel your loan or any draw with no penalty within three (3) business days of the effective date of your loan/draw. To cancel, call our Customer Care team at 1-866-255-1668 or email Note, if you cancel your loan/draw, you will be responsible for returning the amount borrowed, as applicable, to MoneyKey. Otherwise, you will be responsible for repayment in accordance with your agreement.

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

Sorry, the Knoxville Line of Credit is only offered to Tennessee residents. Whether you live in a remote part of the state, or major cities like Nashville or Memphis – we make applying for a Line of Credit in Tennessee fast and secure.

If you don’t live in Tennessee, please check our rates page to see if Lines of Credit and other products such as Installment Loans are available in the state that you currently live in.

Do I need an appointment in order to apply for a Line of Credit with MoneyKey?

No, no appointment will be necessary when you apply for an online loan with MoneyKey. You can start the application online by clicking here. The application process is simple and convenient, as you can apply any time of the day or week from anywhere you get internet.

Whatever your specific needs may be, the process of submitting an application for a line of credit is something you need to consider carefully. At MoneyKey, we want to make this process as pain-free as possible for you. If you need additional guidance or have any questions about the application or borrowing process, reach out to us at 1-866-255-1668 and our Customer Care team will be happy to help you. You can also find more information about us and our products and/or services by visiting our general FAQ page.

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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.