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MoneyKey

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6.6

Overall Score

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LAST UPDATED: October 24th, 2023

MoneyKey is an online direct lender and credit services provider, providing short-term unsecured installment loans and lines of credit to borrowers with less-than-perfect credit. Ideal for emergencies and/or unexpected expenses, applying is quick and easy and borrowers may receive funds as soon as the same business day. And if you have any questions along the way, a MoneyKey representative will be happy to help you.

It is important to note that MoneyKey provides short-term installment loans, similar to what is offered with a payday loan, but your loan term can range from 6 to 18 months. In addition, rates may be higher than you might see with other lenders who offer much longer loan terms up to multiple years.

MoneyKey also offers lines of credit, which are open-ended loans, allowing you to withdraw money, so long as you have available credit and your account is in good standing.

Continue reading for a complete review of this lender.

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The Good

  • Low-Credit Lending
  • Quick Application and Approval
  • Loan Amounts
  • Lines of Credit Available

Low-Credit Lending

Loans through MoneyKey are available to borrowers with bad credit and even no credit. No minimum credit score requirement is disclosed on the MoneyKey website, but you must meet the following criteria to qualify:

  • Be of legal age to contract in your state
  • Be a U.S. citizen or permanent resident
  • Be a resident of a state where loans through MoneyKey are offered
  • Have an active bank account
  • Have a verified source of income
  • Have a valid phone number and email address

Quick Application and Approval

The MoneyKey loan application can be filled out and submitted online, making it a convenient and efficient process. But, if you happen to have questions while completing your application, you can call MoneyKey and speak to a representative that can assist you. If approved for a loan through MoneyKey, you can receive your money as early as the same business day.

Thus if you are looking for some extra cash for an emergency or unexpected expense that has come up, MoneyKey could be a good option for you.

Loan Amounts

MoneyKey offers installment loans of $200 to $2,500. Since MoneyKey offers short-term loans, it is expected that you will pay your loan back quickly, which is reflected in the amounts that are offered.

Lines of Credit Available

In addition to installment loans, lines of credit are also offered through MoneyKey.

A line of credit is a borrowing option that gives you access to funds up to your credit limit. It is a revolving loan that, unlike a traditional payday or installment loan, generally remains active even after you have paid it down to a zero balance. This means that as you pay down your balance, you can continue to withdraw money up to your available credit limit.

To apply for a line of credit you will complete an online application, choose your credit limit (from $200 to $2,500), and then if approved you can begin withdrawing money as needed. MoneyKey line of credit approval is fast and you can close your account at any time, as long as you have repaid any outstanding balance.

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The Bad

  • Limited State Availability
  • No Loans Available to Military Personnel

Limited State Availability

Installment loans and lines of credit through MoneyKey are not available nationwide. To be eligible to apply for an installment loan you must live in one of the following states:

  • Delaware
  • Idaho
  • Mississippi
  • Missouri
  • Texas
  • Utah
  • Wisconsin

To be eligible to apply for a line of credit through MoneyKey, you must live in one of the following states:

  • Kansas
  • Tennessee

No Loans Available to Military Personnel

No credit products offered through MoneyKey have rates that would meet the requirements applicable to lending to covered members of the US Armed Forces and their dependents.

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The Bottom Line

An installment loan through MoneyKey is a great option for emergencies or unexpected expenses, offering smaller loan amounts as early as the same business day. Available loan terms are shorter than you will find with many other traditional lenders, and MoneyKey does encourage customers to repay their loan as early as possible to reduce the total cost.

If you would prefer an alternative borrowing method to an installment loan, MoneyKey also offers lines of credit. However, it is important to note that both installment loans and lines of credit offered through MoneyKey are only available in a handful of specific states.

We would recommend that you carefully assess your borrowing needs and other loan provider services before making a decision, but if you are in need of a smaller amount of money that you can pay back quickly, MoneyKey could be a good option for you.

There are currently no MoneyKey reviews. If you have borrowed from this company, in either the form of an installment loan or a line of credit, please let us know about your experience by leaving a review.

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Star Rating

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4.5

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149 Reviews

Review Breakdown

5 grade

73%

4 grade

14%

3 grade

5%

2 grade

5%

1 grade

3%

Sentiment Criteria

Value

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Quality

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Service

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Della Rose Walking Sky Mesquite, TX

overall ratings exceptional. Quality trustworthiness,customer service knows your customers the product and service was fast and convenient of applying online and you get quick results within minutes the value for the money has an outstanding quality of helping to make payback according to your timing of when your funds will be mirrored with your paycheck and this is great for me living as a one check family

2 years ago

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Reply from MoneyKey

Hey Della, we appreciate your feedback and are pleased to know that you are satisfied with the service you received from our Customer Care team. We’re here 7 days a week if you ever need any assistance.

Jul. 4th, 2022

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Tricia Ellis-Griggs Duluth, GA

Wow you are one of the best the easiest to get approve and when I speak to an agent everyone is so helpful, knowledgeable, professional but very sweet and nice. Your payments are reasonable and affordable. I will always use your company .

1 year ago

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Reply from MoneyKey

Thanks, Tricia Ellis-Griggs! At MoneyKey, we take pride in our excellent customer service and are so pleased to learn that you had a great experience . We’re here 7 days a week if you ever need any assistance.

Jun. 7th, 2023

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Pamela Torrez Albuquerque, NM

Information is straightforward and easy to understand. I've taken a few loans with Money Key and never had any problems. Their customer service is professional and knowledgeable and very friendly and helpful. Always go to Money Key when I need that extra cash for an emergency. Thank you!!

2 years ago

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Reply from MoneyKey

Hey Pamela, we appreciate your feedback and are pleased to know that you are satisfied with the service you received from our Customer Care team. We’re here 7 days a week if you ever need any assistance.

Jun. 2nd, 2022

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beebe Foxx Shiprock, NM

It was easy for me, I tried all loans online and they would not give me wat I needed till Moneykey and it only took a few minutes and $ was n my Acct the next business day! No hassles on my 2 bday loan after I paid off the 1st loan from them !

2 years ago

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Reply from MoneyKey

Hey Beebe, we're happy to hear it and are pleased to know that you are satisfied with the service you received from our Customer Care team. Thanks for the 5-star review!

May. 13th, 2022

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Gaston Lachaise

Money Key is a very easy company to deal with. Excellent ,knowledgeable and polite Staff. The loans are not as expensive, easy to pay. I'm very satisfied with them and this is my second small loan with them.

1 year ago

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Reply from MoneyKey

Hey Gaston, we appreciate your feedback and are pleased to know that you are satisfied with the service you received from our Customer Care team. We’re here 7 days a week if you ever need any assistance.

Jul. 20th, 2022

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Rhonda Tiedt Katy, TX

They have always helped me & my family in our time of need. Going through alot of unexpected medical expenses that we could not afford but needed. MONEYKEY was right there and made process easy fast & efficent

2 years ago

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Reply from MoneyKey

Thanks, Rhonda! We are pleased to know that you are satisfied with the service you received from our Customer Care team. We're here to help when you need us.

Jun. 20th, 2022

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Joseph Miller

2 things, the process was quick and easy, and there are no origination fees, just the interest rate. Which yes is super high, but comparable to similar services, and overall cheaper due to the lack of fees.

2 years ago

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Reply from MoneyKey

Hey Joseph, we appreciate your feedback and are pleased to know that you are satisfied with the service you received from our Customer Care team. We’re here 7 days a week if you ever need any assistance.

Apr. 7th, 2022

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Dwane Jal, NM

We have sent numerous emails and not one has been replied to. It's like well we have their signatures so we do not have to be bothered any longer. Before that people were answering left and right.

2 years ago

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Reply from MoneyKey

Hi Dwane, we’re sorry to hear about your experience and would like the chance to properly assist you. To address your specific concerns, please give us a call at 1-800-766-2007/1-866-255-1668 or email us at feedback@moneykey.com. Thank you.

May. 27th, 2022

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Lamonte Evadney Blades Milwaukee, WI

I am a returning customer. I had an emergency and I called them for assistance, and the sales person was vey helpful and respectful to my need. Thank you..

2 years ago

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Reply from MoneyKey

Hey Lamonte, we appreciate your feedback and are pleased to know that you are satisfied with the service you received from our Customer Care team. We’re here 7 days a week if you ever need any assistance.

Mar. 31st, 2022

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Joyce Bradford-Terry Duncanville, TX

MoneyKey is rated to the highest of customer service because the organization has earned through providing their customer with respect and caring.

1 year ago

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Reply from MoneyKey

Hey Joyce, we appreciate your feedback and are pleased to know that you are satisfied with the service you received from our Customer Care team. We’re here 7 days a week if you ever need any assistance.

Sep. 29th, 2022

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Tineyale Bible The Colony, TX

I needed help in a situation I had & they was a big help for me. Payments were bad at all. It was doable. I would go back again if needed.

1 year ago

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Reply from MoneyKey

Thanks for the awesome review, Tineyale! We're here to help when you need us.

Aug. 12th, 2022

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Sheila K Buehrlen Rolla, MO

I had a discharged bankruptcy in April and I needed a small loan for an emergency at the end of April and MoneyKey gave me one.

2 years ago

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Reply from MoneyKey

Thanks for the awesome review, Sheila! We're here to help when you need us.

Jun. 2nd, 2022

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Steven Cryer Holland, TX

Fast and Friendly Service! I haven't had any problems since I started using Monkey! I would highly recommend it to others!

2 years ago

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Reply from MoneyKey

Thanks for the awesome review, Steven! We are pleased to know that you are satisfied with the service you received from our Customer Care team.

Jun. 2nd, 2022

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Carolyn J Crochran Harker Heights, TX

Because my bank chgd their name, it was difficult to verify my info, therefore making it frustrating when trying to get new loan after being a return customer for the 3rd time.

2 years ago

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Reply from MoneyKey

Hi Carolyn, we’re sorry to hear about your experience and would like the chance to properly assist you. To address your specific concerns, please give us a call at 1-800-766-2007/1-866-255-1668 or email us at feedback@moneykey.com. Thank you.

May. 19th, 2022

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Janie Lugo Weslaco, TX

I had no problem when it came to requesting a loan. The process was quick and easy. My funds were also deposited within one business day.

2 years ago

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Reply from MoneyKey

Hey Janie, we're happy to hear it and are pleased to know that you are satisfied with the service you received from our Customer Care team.

Mar. 31st, 2022

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Gary L Garrison Dallas, TX

Easy to apply and qualify. Very fair loan terms. Excellent company to do business with. I appreciate MoneyKey!

1 year ago

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Reply from MoneyKey

•Hey Gary, we're happy to hear it and are pleased to know that you are satisfied with the service you received from our Customer Care team.

Nov. 17th, 2022

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albert coben Madison, WI

Always been there for me and they do what they say they going to do and I had the money by the next day

1 year ago

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Reply from MoneyKey

We're happy to hear you had a great experience with our Customer Care team. Thanks for the 5-star review, Albert!

Sep. 1st, 2022

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Gail Morris Smyrna, DE

I was able to get what I needed quickly. I was even approved for more than I needed, which was good as well.

1 year ago

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Reply from MoneyKey

Hey Gail, we appreciate your feedback and are pleased to know that you are satisfied with the service you received from our Customer Care team. We’re here 7 days a week if you ever need any assistance.

Aug. 12th, 2022

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Lisa Wilmington, DE

I rated them that way because you where available when I needed you most. Interest rate very high, but great service.

1 year ago

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Reply from MoneyKey

Hey Lisa, we appreciate your feedback and are pleased to know that you are satisfied with the service you received from our Customer Care team. We’re here 7 days a week if you ever need any assistance.

Jul. 28th, 2022

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Tonia Houston, TX

Barely give you a week if that long to start taking their money back! Doesn't even make sense! If someone needs a loan why would you expect them to start paying back a week later

1 year ago

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Reply from MoneyKey

Hi Tonia, your feedback is valued. We’re interested in hearing from you and addressing your specific concerns. Please send an email to feedback@moneykey.com with your details so we may look into your experience and answer any questions that you might have. Thank you.

Jul. 28th, 2022

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Miranda T Benson Albuquerque, NM

They are always fast in responding to emails, customer service is great, and no early pay off penalty fees.

2 years ago

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Reply from MoneyKey

We appreciate the great review, Miranda! We are pleased to know that you are satisfied with the service you received from our Customer Care team.

Jun. 2nd, 2022

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Bettina Bridger Richmond, TX

Fast and easy! I have bad credit but they were able to approve me in no time and gave the money to me very fast!

2 years ago

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Reply from MoneyKey

Thanks for the awesome review, Bettina ! We're here to help when you need us.

May. 24th, 2022

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Rose Ruiz San Antonio, TX

Never had any problems . Great customer Service any time I needed help financially I was able to count this company.

2 years ago

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Reply from MoneyKey

We're happy to hear you had a great experience with our Customer Care team. Thanks for the 5-star review, Rose! We're here to help when you need us.

May. 12th, 2022

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Cynthia Rendon El Paso, TX

Professional, quick and courteous. I contacted them by email and received a quick response. Thank you again

2 years ago

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Reply from MoneyKey

We're happy to hear you had a great experience with our Customer Care team. Thanks for the 5-star review, Cynthia!

Apr. 28th, 2022

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Latrice Milwaukee, WI

They have great customer service and they walk you through the loan process and answer any questions you may have.

2 years ago

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Reply from MoneyKey

Hey Latrice, we appreciate your feedback and are pleased to know that you are satisfied with the service you received from our Customer Care team. We’re here 7 days a week if you ever need any assistance.

Mar. 31st, 2022

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Melanie Herbert Tohatchi, NM

Money key has really helped me out financial by giving me a respond right way and giving me the amount I needed.

2 years ago

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Reply from MoneyKey

Thanks for the awesome review, Melanie! We're here to help when you need us.

Mar. 31st, 2022

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Enrique Alvarado El Paso, TX

Approved fast and got the money fast, great experience paid off one loan and applied for another one right after

2 years ago

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Reply from MoneyKey

Thanks, Enrique! We are pleased to know that you are satisfied with the service you received from our Customer Care team.

Mar. 31st, 2022

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Ivis wright Dallas, TX

Very easy to apply for loan. The representative was very courteous and polite and made the transaction very easy

2 years ago

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Reply from MoneyKey

We're happy to hear you had a great experience with our Customer Care team. Thanks for the 5-star review, Ivis!

Mar. 31st, 2022

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Maria Pearland, TX

Easy way to get a loan. Payments aren't too bad

8 months ago

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gary holer Plano, TX

No explanation on the interest rates until the end of the loan process. I also don’t like that Money Key has access to my Bank. Have trust in your customers.

1 year ago

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Reply from MoneyKey

Hello Gary,
We aim to be as transparent as possible when it comes to the cost of credit products offered through MoneyKey. Details about the cost of borrowing can be found in disclosures provided during the application process. Consumers also have the option to learn more about the cost of credit before submitting an application by calling us at 1-866-255-1668 or visiting our Products & Services page at https://www.moneykey.com/products-services/.
Please note that any financial details requested by MoneyKey are for the purposes of assessing applications for credit. We ensure that any information collected is done in compliance with all applicable federal and state regulations. If you have any specific concerns, please email us at feedback@moneykey.com. Thank you.

Jul. 11th, 2023

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Wanda Lee Anderson Killeen, TX

You find quickly if you are approved for your loan and it goes in the next business day.

1 year ago

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Reply from MoneyKey

Hey Wanda, we're happy to hear it and are pleased to know that you are satisfied with the service you received from our Customer Care team.

Nov. 28th, 2022

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John Schulze Brenham, TX

Took all day just to get a small loan Every time I signed paperwork something else needed to change The process needs to be shorter

1 year ago

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Reply from MoneyKey

Hi John, we’re sorry to hear about your experience and would like the chance to properly assist you. To address your specific concerns, please give us a call at 1-866-255-1668 or email us at feedback@moneykey.com. Thank you.

Oct. 6th, 2022

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Verna Burr Seaford, DE

I recently received my 5th loan with moneykey. It was done online and went very smoothly.

1 year ago

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Reply from MoneyKey

Thanks for the awesome review, Verna! We're here to help when you need us.

Aug. 18th, 2022

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Edna F King Lancaster, TX

The interest rate is rather high but when the need is there so I smokey key service is good and response time is great

1 year ago

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Reply from MoneyKey

We appreciate the great review, Edna! We’re here 7 days a week if you ever need any assistance.

Aug. 18th, 2022

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Anita L Giddens Mesquite, TX

Quick and easy process where customers service people were knowledgeable and easy to talk too!

2 years ago

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Reply from MoneyKey

We're happy to hear you had a great experience with our Customer Care team. Thanks for the 5-star review, Anita!

Jun. 20th, 2022

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Frankie King Fort Worth, TX

Every time a financial set back comes my way. Money Key has always been there to see me through.

2 years ago

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Reply from MoneyKey

Thanks for the awesome review, Frankie! We're here to help when you need us.

Jun. 20th, 2022

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Bennie Grandview, MO

MoneyKey really helped me get through this months bills. Lost of job put me in a panic but you guys had my back!

2 years ago

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Reply from MoneyKey

We appreciate the great review, Bennie! We’re here 7 days a week if you ever need any assistance.

Jun. 2nd, 2022

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Joyce Brooks Manchester, TN

Good customer service and they work with you until you get what you need resolved.

2 years ago

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Reply from MoneyKey

Hey Joyce, we're happy to hear it and are pleased to know that you are satisfied with the service you received from our Customer Care team. We’re here 7 days a week if you ever need any assistance.

May. 5th, 2022

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Victoria Hesler

Fast. Efficient. All around wonderful. I needed funds quickly and I received them in a day or less.

2 years ago

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Reply from MoneyKey

Hey Victoria, we're happy to hear it and are pleased to know that you are satisfied with the service you received from our Customer Care team. We’re here 7 days a week if you ever need any assistance.

Apr. 7th, 2022

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Victoria Houston, TX

This was an easy process, they were very quick to process my application. I was approved in a matter of minutes. My deposit was made and available with in 24 hours.

1 year ago

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Reply from MoneyKey

Hey Victoria, we're so happy to hear that you had a quick and easy borrowing experience!

Jul. 18th, 2023

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Kelly Branch Bryan, TX

I was looking for a loan they took my information and got it input and they deposited the loan very quickly the next day. There was no waiting to get it done.

1 year ago

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Reply from MoneyKey

Hey Kelly, we appreciate your feedback and are pleased to know that you are satisfied with the service you received from our Customer Care team. We’re here 7 days a week if you ever need any assistance.

May. 10th, 2023

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Pamela Sorsby-Byers Italy, TX

It was super easy to receive and process and then. Since I was able to pay it back within a couple weeks it was only $38 more than my loan I had to pay back.

1 year ago

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Reply from MoneyKey

Thanks, Pamela! We are pleased to know that you are satisfied with the service you received from our Customer Care team. We're here to help when you need us.

Mar. 27th, 2023

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Linda F Austin Euless, TX

The only service that I would use convenience. Very good experience.

1 year ago

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Reply from MoneyKey

Hey Linda, we appreciate your feedback and are pleased to know that you are satisfied with the service you received from our Customer Care team. We’re here 7 days a week if you ever need any assistance.

Dec. 2nd, 2022

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Ray Cryer Cedar Hill, TX

Very caring and took the time to make sure I made the right choice.

1 year ago

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Reply from MoneyKey

We're happy to hear you had a great experience with our Customer Care team. Thanks for the 5-star review, Ray! We’re here 7 days a week if you ever need any assistance.

Sep. 28th, 2022

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Carmen D Goodman Houston, TX

Customer service walked me through my application process.

1 year ago

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Reply from MoneyKey

Hey Carmen, we're happy to hear it and are pleased to know that you are satisfied with the service you received from our Customer Care team.

Sep. 28th, 2022

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MARCELLE Jones Missouri City, TX

Representatives very informative and courteous..The process is Easy and Quick

1 year ago

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Reply from MoneyKey

Thanks, Marcelle! We are pleased to know that you are satisfied with the service you received from our Customer Care team.

Sep. 28th, 2022

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Verne willits Crosby, TX

They are most convenient compared to other similar service providers.

1 year ago

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Reply from MoneyKey

We appreciate the great review, Verne! We're happy to hear you had a great experience with our Customer Care team

Aug. 18th, 2022

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Diana l may Fredericktown, MO

Never had no problewas great coustomer servicems had automatic deposits

1 year ago

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Reply from MoneyKey

Hey Diana, we're happy to hear it and are pleased to know that you are satisfied with the service you received from our Customer Care team.

Aug. 18th, 2022

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joseph karwowski San Antonio, TX

Have no problems and everything went smoothly when I applied for my loan

1 year ago

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Reply from MoneyKey

We're happy to hear you had a great experience with our Customer Care team. Thanks for the 5-star review, Joseph!

Aug. 18th, 2022

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lizalpha Rupert, ID

Because of how easy with no stress to secure a loan when needed

1 year ago

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Reply from MoneyKey

We're happy to hear you had a great experience with our Customer Care team. Thanks for the 5-star review, Lizapha!

Aug. 5th, 2022