Payday Loans from Licensed Lender. Poor Credit Ok!

Online Payday Loans

Online Payday Loans

Do you have a below-average credit score that’s preventing you from applying for loans at mainstream banks? If so, MoneyKey may be able to help you get an online payday loan.

As an online lender committed to outstanding customer service, MoneyKey makes it easy for you to get a payday loan quickly through a simple, friendly and straightforward process. And unlike a bank or storefront lender, you can apply for a MoneyKey Payday Loan online 24 hours a day. Our application process is hassle-free and simpler than most banks, allowing you fast access to money when you need it most.

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Getting money couldn't get any simpler!

Easy, Quick & Secure Online Payday Loans

Ready to apply?

Need cash to cover expenses that pop up between paychecks? Apply for a MoneyKey Payday Loan online or by phone and get a quick response.


  • Be of legal age to contract in your state
  • Be a US citizen or a Permanent Resident
  • Live in the state where the payday loan is offered
  • Have an active bank account
  • Have a regular source of income
  • Have a valid contact number and an active email address

Apply Online

Apply for an online Payday Loan and receive your money as early as the next business day.


Apply by phone

If you prefer applying over the phone, call us at 1-866-255-1668. Our friendly and knowledgeable Customer Care agents are standing by, ready to assist you.

Find out what our Customers have to say about MoneyKey:

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Superior service
“The attention to detail is outstanding. Very friendly and helpful.”

5 stars

Easy to work with
“I’ve used MoneyKey several times over the past 4 years. I found it easy to work with them.”

TrustPilot 5 stars

“MoneyKey is wonderful to work with! If I had a question it was always answered correctly and promptly.”

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Online Payday Loans – Frequently Asked Questions


General Inquiries


Online payday loans are short-term, small-dollar personal loans that you usually pay back on your next pay date. Payday loans are also referred to as Same-Day Loans, Single-Pay Loans, Payday Cash Advance Loans, or Cash Advance loans.


A payday loan can be used to pay for an unexpected expense between your pay periods. If you can’t afford to repay the amount you want to borrow with your next paycheck, then a payday loan is not recommended. Common examples of when payday loans can be helpful are emergency car repairs like replacing a tire or radiator. In your home, a payday loan can be good for taking care of minor repairs like replacing a leaky pipe. As for utility bills, it’s advisable to use a payday loan to cover an unexpectedly high bill, but it likely isn’t an affordable solution to pay your regular bills month after month using a payday loan.


Online payday loans and installment loans are both personal loans to be used when you need extra money for a short period of time. However, the main difference between them is the timeframe for repayment. Payday loans are normally due in full on your next pay date, whereas installment loans come with a payment schedule that’s typically spread over several weeks or months depending on your pay cycle and the amount borrowed.

Application Inquiries


You can borrow $255 in the form of a Payday Loan from MoneyKey in California. MoneyKey’s Payday Loans are only available to new customers in California. MoneyKey can help returning customers get a payday loan in ,Ohio. If you don’t live in California and you’re not a returning customer in Ohio, you can find payday loan alternatives like a MoneyKey online Installment Loan in Alabama, California, Delaware, Idaho, Illinois, Mississippi, New Mexico, Ohio, Texas, and Utah. MoneyKey also offers Line of Credit products in Kansas, Missouri and Tennessee.


MoneyKey has served more than 200,000 customers since 2011. There are a number of benefits in choosing us for a payday loan:

  • We are a state-licensed direct payday lender in California.
  • We work with unaffiliated third-party lenders in Ohio as a Credit Services Organization (CSO) to arrange Payday Loans.
  • We have Customer Care representatives available by phone, email or online chat.
  • We provide you with exceptional customer service.
  • Our Customer Care team is available 7 days a week, including most holidays.
  • Our mobile app allows you to apply for a loan and access your account on the go.
  • We protect your information in accordance with industry standards.
  • We encourage you to use our products responsibly.

First, complete an online loan application. After submitting your application, you should know very quickly whether it has been accepted. This fast response is one of the benefits of applying for online payday loans.


Online Payday Loans are due in full on your next pay date. Your due date will fall between 8 and 31 days from the date you received your funds. The full payment includes the principal (or borrowed amount), the loan fee and/or interest. If something should occur and you are unable to make your full payment on your due date, please reach out to our Customer Care team at 1-866-255-1668. At MoneyKey, we try to work with our customers to help them stay on track.

Account Inquiries


You can log into your account to find your loan agreement.


You can log into your account and select “Reloan” to get started. After you’ve reviewed and signed your agreements, you can get your money as soon as the next business day. You can only apply for a new Payday Loan after your existing Payday Loan is paid in full.


Have more questions?

Visit our FAQ for more information or contact our friendly Customer Care team.

We’ve helped over 200,000 customers.Let us help you!

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 7:00 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 – OH, Inc. is licensed as a Credit Services Organization (CSO) by the Ohio Department of Financial Institutions, Department of Commerce: CS.900134.000.  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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