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How Online Single-Pay Loans Work

MoneyKey and its unaffiliated third-party lenders offer an online short-term, small dollar personal loan called a Single-Pay Loan. It works much like a traditional payday loan that is due and paid in full on your next pay date.

Is a Single-Pay Loan available in my state?

MoneyKey is licensed as a Credit Services Organization (CSO) and is not the lender in the state of Ohio. All loans are made by an unaffiliated third-party lender. As a CSO, MoneyKey will attempt to arrange a Single-Pay loan between you and an unaffiliated third-party lender. To learn more about the Single-Pay loan available in Ohio, please visit the Rates and Terms page.

When to Use a Single-Pay or Payday Loan

Single-Pay Loans are small dollar loans, typically for less than $1000, that are paid back in full on your next payday. Single-Pay Loans are personal loans, consisting of a small cash advance that is typically used for unexpected expenses. They are sometimes used to pay non-reoccurring bills on time (for example, emergency car repairs).

It's important to remember that Single-Pay or Payday Loans are meant for short term use only and not as a long term financial solution.

What Should You Know Before You Apply for a Single-Pay Loan Online

Before applying for a Single Pay Loan, make sure you’ve determined that a Single-Pay Loan is right for you and ensure that you understand how to use it responsibly.

To apply for an online Single-Pay Loan you must:

  • Be 18 years of age or older
  • Be a US citizen or Permanent Resident
  • Be an Ohio resident
  • Have an active bank account
  • Have a regular source of income
  • Have a valid contact number and an active email address

To apply for a Single-Pay Loan, simply complete an online loan application. If your application is accepted, you will then go through the verification and approval process*.

First time customers can borrow anywhere from $200 - $1,000. The approved loan amount is subject to certain verification criteria. You can also apply over the phone by calling 1-866-255-1668. Our highly trained customer care team will be happy to take your application details over the phone.

When Do I Pay Back an Online Single-Pay Loan?

Similar to a payday loan, the Single-Pay Loan will be due on your next pay date for the full loan amount. This means that the total amount (principal loan amount, loan fee and interest) will be due on the agreed upon due date. If you are unable to make your full payment on your due date, you can contact our Customer Care Team at 1-866- 255-1668 and learn about available payment options.

Why Choose a Single-Pay Loan arranged by MoneyKey?

MoneyKey aims to remove the complexity that borrowers often experience when trying to borrow money. Taking out a loan can be a daunting task and, at times, borrowing funds from a bank or obtaining credit can be time consuming and not available to everybody.

Our highly trained Customer Care Team will answer any questions about the products and process and review the terms and conditions with you to ensure you understand how the borrowing and repayment process work. We’re here to help you every step of the way.

MoneyKey is committed to Responsible Lending and encourages you to use our products responsibly.

  • MoneyKey works fast to get you the money you need.
  • MoneyKey works with unaffiliated third-party lenders in Ohio in its capacity as a Credit Services Organization (CSO).
  • MoneyKey has customer care representatives available by phone, email or online chat.
  • MoneyKey protects your information in accordance with industry standards.
  • MoneyKey is committed to responsible lending.

* * For more information about the Single-Pay Loan and its repayment terms, please visit our Rates and Terms page.

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