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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 (west to east): California, Idaho, Utah, New Mexico, Texas, Missouri, Wisconsin, Illinois, Mississippi, Alabama, 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 Loan Summary

Applying: Simple, secure, fast process

Loan Amount: $255

Funding: Next business day funding*

Repayment: Next payday

Loan Term: 8 – 31 days

Pre-Payment Available: Yes

Available in: California

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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, South Carolina, 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.

* If your loan is approved before 9:00 PM ET from Monday through Thursday, or before 6:30 PM ET Sunday, the funds will typically be deposited into your bank account the next business day, otherwise, your funds will be deposited into your bank account in two (2) business days. The date and time funds are made available to you are subject to your bank's policies.

Disclaimers: 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.

In the State of California, MoneyKey – CA, Inc. is licensed by the Department of Business Oversight pursuant to California Finance Lenders Law License No. 60DBO43590 and 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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