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Types of Loans Available Online

Installment Loans Installment Loans

Installment loans are short-term personal loans that are paid back in installments over time. Once you’re approved for an installment loan, you’ll typically get the loan amount deposited in your bank account the next business day*. The loan term varies by state but will typically range between 6 and 18 months.

A MoneyKey Installment Loan can be used for a variety of things like home and car repairs, emergency medical expenses or other non-recurring bills. Repayment terms will vary by state.

Installment Loan Summary

Applying: Simple, secure, fast process

Loan Amount: $150 to $2,600, varies by state

Funding: Next business day funding*

Repayment: Bi-weekly, semi-monthly or monthly installments

Loan Term: 5 – 18 months, varies by state

Pre-Payment Available: Yes

Available in: Idaho, Utah, New Mexico, Texas, Missouri, Wisconsin, Mississippi, Delaware

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Payday Loans Payday Loans

Payday loans are quick, small-dollar personal loans that are typically paid back in full on your next payday. Payment will include the principal loan amount and a finance charge. These loans may be used for unexpected expenses like emergency car repairs or other non-recurring bills between paydays.

It’s important to remember that payday loans are meant for short-term use only and are not a long-term financial solution.

Payday Loans, previously offered in California, are no longer available to new customers. If you don’t live in California, please check our rates page to see if other online loans such as Installment Loans or Lines of Credit are available in the state that you currently live in.

If you live in California and still need funds, you may be able to find a loan product suitable for you from another company* by clicking ‘Continue’ below:

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Please note that by clicking “Continue”, you are navigating away from the MoneyKey website to the website of an unaffiliated third party.

*MoneyKey does not promote or endorse any products and/or services offered by any company you may be directed to by clicking ‘Continue’, and does not assume responsibility or liability for any actions taken by you in relation to any such products and/or services.

Lines of Credit Lines of Credit

A line of credit is an open-ended borrowing option that you apply for only once. Unlike a traditional payday or installment loan, a line of credit remains active even after you have paid it down to a zero balance. This means that if you want to borrow more money after you have paid 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. Interest and/or fees are only charged on the amount of money you use, not your entire credit limit.

A MoneyKey Line of Credit can be used for unexpected expenses that may occur in your day-to-day life. The specific terms of the line of credit, including fees and interest, will vary across the states where the product is offered.


Line of Credit Summary

Applying: Simple, secure, fast process

Credit Amount: $200 to $1,475, depending on state

Funding: Next business day funding*

Repayment: Minimum payments only

Fee charged: Yes, interest and/or fees

Draw Option: Request draws as needed, up to credit limit

Pre-Payment Available: Yes

End Date: No, open-ended

Available in: Kansas and Tennessee

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Have questions about our products? Please refer to our FAQ page.

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

* If approved, any requested funds will typically be deposited into your bank account within one (1) to two (2) business days. The date and time funds are made available to you by your bank are subject to your bank's policies.

MoneyKey reserves the right to assess your creditworthiness periodically.

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 and/or CAB are funded by an unaffiliated third-party lender and serviced by MoneyKey.

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.