Online Line of Credit in Memphis

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Apply For an Online Line of Credit in Memphis Today

Are you having trouble dealing with an unexpected emergency that seemingly came out of nowhere? Do you not have enough money saved up to handle the expenses? If you find yourself in this situation, MoneyKey may be able to help! We offer personal Lines of Credit in Memphis and throughout Tennessee between $200 and $2,000.

The application for a personal Line of Credit in Memphis is not complicated, and it only takes a few minutes to complete. If you’re approved, you’ll have the cash you need as soon as the next business day*.


Details of Our Line of Credit Loan in Memphis, TN

Memphis is the largest city on the Mississippi River and the second most populous city in Tennessee. Known as the “Home of the Blues”, “Birthplace of Rock and Roll” and the cradle of American music, Memphis is a city that is proud to have been called home by multiple cultural music icons and legends such as B.B. King, Elvis Presley, Jerry Lee Lewis, and Johnny Cash.

Memphis stands out in its cultural scope and is considered one of the three most important cities in American music, along with New Orleans and Nashville. The city of Memphis is famous for being the home of Elvis Presley for a part of his life. The Graceland Mansion, a heritage of the Presley family, was transformed into a museum, and remains one of the most visited points of interest in the state.

According to the Council for Community and Economic Research, Memphis is considered one of the cheapest cities to live in the entire country. Even with the low cost of living, you may still struggle with an unexpected emergency expense, and a MoneyKey Line of Credit in Tennessee may be able to help! We offer Memphis Lines of Credit that may help you handle an emergency expenses that your savings won’t cover.

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

Our Line of Credit Amount in Memphis

• $200 to $2,000

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, we will typically deposit the funds in your account by the next 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 than your Minimum Payment to pay down your Outstanding Principal Balance.

Your Minimum Payment

Your Minimum Payment for each Billing Cycle will consist of 2 components:

  1. Interest Charges: calculated based on your Average Daily Principal Balance; and
  2. A Required Principal Payment: based on your pay frequency.

The exact amount of your Minimum Payment and the corresponding due date will be outlined in your Periodic Statement.

State Licensed Direct Lender

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

Frequently Asked Questions

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

In order to qualify for an online Loan with MoneyKey in Memphis, 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 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.

Can I qualify for a Line of Credit in Memphis with a bad credit score?

Yes, you may still qualify for a Memphis Line of Credit with MoneyKey.

How long will it take to get a cash advance with a Memphis Line of Credit?

If you’re approved, your money may be deposited into your bank account as early as the next business day*.

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

No, you don’t. If you’re looking to apply for an online Line of Credit with MoneyKey, you won’t need to make any appointments.

To start this process online, you can click here. Submitting an application is easy and it may only take a few minutes to complete.*

For more information, feel free to give us a call to speak with one of our Customer Care agents at 1-866-255-1668, and we will be pleased to help you.

Applying for a personal line of credit when you’re in a sticky financial situation is never a small decision. We aim to help at MoneyKey. If you need any information or guidance on this process, reach out to us at 1-866-255-1668 and our Customer Care team will be happy to help. You can also find more information about us and our products by visiting our general FAQ page.

We’ve helped over 400,000+ customers.Let us help you!

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.

Applications submitted on this website may be originated by one of several lenders, including: CC Flow, a division of Capital Community Bank, a Utah Chartered bank, located in Provo, Utah, Member FDIC. CC Flow will be responsible for underwriting, approving and funding the CC Flow Line of Credit. The CC Flow Line of Credit is available 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 Business Oversight 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.

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