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Why choose MoneyKey?

We have been around since 2011 and each year we continue to reach thousands of new customers as we expand throughout the United States with various credit options. In addition to being an online lender and credit services provider, we also service the CC Flow Line of Credit offered by CC Flow, a division of Capital Community Bank.

Short-term online loans available through the MoneyKey website include Installment Loans and Lines of Credit. With MoneyKey, you can expect:

  • A simple online loan application process
  • Quick loan approval
  • Your funds the next business day*
  • Fast and friendly customer service
  • Transparency with no hidden fees
  • A safe and secure online platform

We strive to provide five-star service to customers and a variety of fast online loans are available through the MoneyKey website. The application process is quick and easy. If your application is approved, you may receive your money the next business day*.

Installment Loans

Installment loans are short-term online loans that are paid back over time. If approved, you’ll get the full loan amount deposited into your bank account the next business day*. Your payback period, or loan term, will range between 5 and 12 months, depending on the state you live in. Throughout the loan term, you will be expected to make your installment payments to repay your loan, often on a monthly, semi-monthly, or bi-weekly basis depending on how often you get paid. There is no penalty for pre-payment (paying more or earlier than a scheduled installment) for installment loans. Repayment terms will vary by state and depend on the duration of the loan. A MoneyKey Installment Loan can be used for a variety of reasons including home and car repairs, medical expenses or any unexpected non-recurring bill. These online short-term loans are currently available in Delaware, Idaho, Mississippi, Missouri, Texas, Utah and Wisconsin.

Lines of Credit

If you are looking to receive funds quickly*, then a line of credit might be right for you. This is an open-ended borrowing option and is different from traditional online short-term loans like payday and installment loans since it gives you greater control over your cash flow.

If your application is approved, you can draw your full credit limit at once or smaller amounts over time, so long as you have available credit**. With Lines of Credit offered through MoneyKey, you are only charged on the amount of money you have withdrawn, not your entire credit limit.

There are two types of Lines of Credit available through MoneyKey:

  • MoneyKey Line of Credit

    The MoneyKey Line of Credit is currently available to new customers in Kansas and Tennessee. A Line of Credit is ideal for unexpected expenses that may occur in your day-to-day life. For specific rates and terms, visit the Rates and Terms page.

    CC Flow Line of Credit

    The CC Flow Line of Credit is currently offered through MoneyKey in Alabama, Alaska, Arizona, Arkansas, Florida, Hawaii, Indiana, Kentucky, Louisiana, Michigan, Minnesota, Montana, Nebraska, Oklahoma, and Wyoming. Additional states will be operational soon. Check back often to see if the CC Flow Line of Credit is available in your state of residence.

    The CC Flow Line of Credit is provided by CC Flow, a division of Capital Community Bank (CCBank), a Utah Chartered bank, located in Provo, Utah, Member FDIC. MoneyKey is an authorized servicer of CC Flow. Consumers can submit a request for a CC Flow Line of Credit through the MoneyKey website.

    Click here to learn more about the CC Flow Line of Credit.

Payday Loans

Payday loans are small-dollar, personal short-term online loans that are typically repaid by your next pay date. These loans are meant for short-term use only and are not a long-term financial solution. These loans may be used for unexpected expenses between paychecks, like emergency car repairs or other non-recurring bills.

As a responsible lender, credit services provider and loan servicer, payday loan alternatives, like Installment Loans and Lines of Credit, are offered through MoneyKey. Unlike payday loans, these types of loans are generally repaid over a period of time with multiple payments. We urge customers to ensure they borrow from a responsible lender or credit services provider.

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

*If approved, any requested funds may typically be deposited into your bank account the same business day; timing of funding may vary by product and state. The date and time funds are made available to you by your bank are subject to your bank's policies. For specific funding cut-off times, click here.

**You may request a draw from your Line of Credit at any time, so long as you have available credit and your account is in good standing. In the State of South Carolina, you can withdraw the total credit available to you all at once, or in smaller amounts over time as you need it, with a required minimum draw of $610.

As you move through your credit journey, your account may become eligible for reduced charges and/or increased credit limits/loan amounts based on good payment history over time. You will receive notices, as applicable, regarding your individual circumstances and eligibility.

Depending on your state of residence, applications submitted on this website may be originated by one of several lenders, including: CC Flow, a division of Capital Community Bank (CCBank), a Utah Chartered bank, located in Provo, Utah, Member FDIC. The CC Flow Line of Credit is provided by CC Flow. Additionally, CC Flow maintains critical control over loan origination, underwriting approvals, and regulatory and compliance oversight management. MoneyKey is an authorized servicer of CC Flow. This means the CC Flow Line of Credit is available through MoneyKey and you will maintain your CC Flow Line of Credit account through MoneyKey.

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/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 Financial Protection and Innovation pursuant to 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.