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 Line of Credit in Missouri

Rates and Terms

The Missouri Line of Credit product is no longer offered to new customers. New customers may apply for our Missouri Installment Loan. For Rates & Terms, please click here. If you are a returning customer, please click here to login.

About MoneyKey Online Line of Credit in Missouri

A MoneyKey online Line of Credit provides you with the benefits of a traditional loan, but allows you to have more control over your cash flow. Once approved+, you can borrow any amount up to your available credit limit. When you pay down the principal balance of your Line of Credit, you can continue to access the remaining credit available up to your credit limit.

What is the Credit Limit in Missouri?

The credit limit is the amount of cash that you can access on your MoneyKey online Line of Credit. For this Line of Credit, credit limit amounts range from $500 to $1,000.

How much will my Line of Credit cost in Missouri?

Your MoneyKey Line of Credit accrues daily interest at a rate of 1.09315%. The corresponding annual percentage rate (APR) is 399%. Interest is only charged on the amount you use i.e. the outstanding principal balance. Interest is calculated based on the Daily Balance of your MoneyKey Line of Credit.

You will be charged an annual fee of $50 on the date of your first statement following your first withdrawal, and annually thereafter if there is an outstanding balance on your account.

How is the Daily Balance Calculated?

The Daily Balance of your MoneyKey Line of Credit is calculated by taking the opening balance of your Account each day, adding any new withdrawals, and subtracting any payments received or credits to your Account on that day.

What is my Required Principal Payment?

The Required Principal Payment, which is included in your Minimum Payment, is a mandatory contribution towards your Outstanding Principal Balance.

If you receive your income weekly, bi-weekly or semi-monthly, your Required Principal Payment as shown on your periodic statement will be 5% of your Outstanding Principal Balance as of the close of each billing cycle.

If you only make your Minimum Payment, have no Amount Past Due, and do not make any additional draws between now and your Due Date, your Outstanding Principal Balance will be reduced by 5% or 10%, depending on your income frequency.

What is my Minimum Payment?

Your Minimum Payment is the minimum amount due in each Billing Cycle. Your Minimum Payment will consist of

  • i. Fees accrued during each billing cycle
       (may include annual fee);
  • ii. Interest accrued during each billing cycle; and
  • iii. Your Required Principal Payment.

Moneykey encourages you to make additional payments over and above your Minimum Payment to reduce your principal balance owing, increase your available credit and decrease your interest charges.

Are there any additional charges for the online Line of Credit in Missouri?

There are no additional charges for the online Line of Credit beyond what has been disclosed here.

Can I cancel my Line of Credit?

You can rescind your Line of Credit at no cost within three (3) business days of the effective date of your initial draw by phone at 1-866-255-1668 or via email at If you do rescind your Line of Credit, you will be responsible for returning the entire principal balance back to us. If you do not return the entire principal balance to us, your Line of Credit will remain in full force and effect and you will accrue fees and interest on such outstanding principal balance..

Who funds the Line of Credit in Missouri?

Lines of Credit are funded by MoneyKey – MO, Inc., a consumer credit loan company licensed by the State of Missouri.

I have a few more questions about the Line of Credit in Missouri

For additional questions, or if you would like to learn more about the MoneyKey online Line of Credit, please call our Customer Care team at 1-866-255-1668, email us at or check out our frequently asked questions (FAQs).

Authority to Operate

To view MoneyKey – MO, Inc.’s state license, please click on the photo below.

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