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MoneyKey

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85 User Reviews

7.8

Overall Score

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LAST UPDATED: June 30th, 2022

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 12 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 $2,000. 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 $2,000), 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

4.5

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85 Reviews

Review Breakdown

5 grade

72%

4 grade

14%

3 grade

6%

2 grade

4%

1 grade

5%

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 days ago

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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 weeks 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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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 !

1 month 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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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.

1 month 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 [email protected] Thank you.

May. 27th, 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 months 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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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.

1 month 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 [email protected] Thank you.

May. 19th, 2022

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Louvenia Harding Port Arthur, TX

Their rates are really low and they give a person a chance

2 days ago

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Angela D Mitchem Kansas City, MO

They came through for me when I really needed help. Thank you so much

1 week ago

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Reply from MoneyKey

Hey Angela, 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 to help when you need us.

Jun. 23rd, 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 weeks 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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Anita L Giddens Mesquite, TX

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

2 weeks 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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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!

1 month 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.

1 month 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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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..

3 months 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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Judith Hooker Franklin, WI

The staff was very helpful and professional!!!

1 week 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, Judith!

Jun. 23rd, 2022

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Beth Eileen Spain Miller, MO

I had an emergency. MoneyKey was easy to apply and got my money fast

3 weeks ago

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Reply from MoneyKey

Hey Beth, 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.

Jun. 14th, 2022

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Joyce Brooks Manchester, TN

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

1 month 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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Cynthia Rendon El Paso, TX

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

2 months 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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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.

3 months 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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Mary I Munoz Brownsville, TX

They take for ever to give you a chance to borrow higher amounts.

2 days ago

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Barbara E Lambert Saint Louis, MO

in the stressful time this was a smoothing process

3 weeks ago

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Reply from MoneyKey

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

Jun. 14th, 2022

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Alfred Dillard Saint Louis, MO

Process easy and they not only are friendly but easy to work with.

3 weeks ago

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Reply from MoneyKey

We appreciate the great review, Alfred!

Jun. 14th, 2022

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Angela alford Alvin, TX

Good costumer service and they never hesitate to loan me money

1 month 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, Angela !

May. 27th, 2022

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hughetta atcitty Shiprock, NM

They did not give me a hard time and customer service person was very nice.

1 month ago

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Reply from MoneyKey

Thanks, Hughetta! We 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. 27th, 2022

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Dwayne Stephens Austin, TX

Generally lowest high payday % rate loan. Also longer payback installments

1 month ago

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Reply from MoneyKey

Hey Dwayne, we appreciate your feedback and are pleased to know that you are satisfied with the service you received. Thanks for the awesome review! We're here to help when you need us.

May. 13th, 2022

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Bobbie jo mercer Whitesboro, TX

They are real friendly was there for any questions or needs you may have

1 month ago

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Reply from MoneyKey

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

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 months 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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Latrice Milwaukee, WI

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

3 months 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.

3 months 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

3 months 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

3 months 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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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!!

1 month 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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Betty Kay Antigo, WI

They are friendly helpful and work with you

1 month ago

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Reply from MoneyKey

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

May. 27th, 2022

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Ray Calderon Kaufman, TX

Great company, I have never had a problem with them

1 month 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 !

May. 27th, 2022

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Ron McCracken Dallas, TX

I sent multiple emails and voicemails asking for help and they have not responded.

1 month ago

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Reply from MoneyKey

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

May. 27th, 2022

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Sandra K Conzemius Copperas Cove, TX

It is easy and convenient with short term timely payments

1 month ago

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Reply from MoneyKey

We appreciate the great review, Sandra!

May. 13th, 2022

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Paul Wayne Lewis Abilene, TX

Have always been helpful and transactions completed in a timely manner

2 months ago

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Reply from MoneyKey

Hey Paul, 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. 28th, 2022

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Julia Ann Hamilton

I had no problem applying for loan and it was quick and easy very hassle free

2 months ago

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Reply from MoneyKey

Hey Julia, 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.

Apr. 14th, 2022

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William sosa

Simple and easy to do. Next day funds, help you out completing loan

2 months 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, William!

Apr. 14th, 2022

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Jiron

Very fast to help get me money I needed for a truck repair.

2 months ago

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Reply from MoneyKey

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

Apr. 7th, 2022

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Charlotte E Cardillo Saint Charles, MO

Quick and easy loans but interest is WAY too high.

1 month ago

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Reply from MoneyKey

Hey Charlotte, 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. 19th, 2022

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Denise Medina Ranchos De Taos, NM

Rates are too high and most of the payment goes to the interest

1 month ago

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Reply from MoneyKey

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

May. 13th, 2022

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Roberta Haynes Converse, TX

The appreciation process could be simpler.

1 month ago

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Reply from MoneyKey

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

May. 13th, 2022

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Deborah J Jones Plano, TX

Quick and easy to use for returning customers.

1 month ago

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Reply from MoneyKey

Hey Deborah, 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. 13th, 2022

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Yilanca Pennix Fort Worth, TX

Work w/you on any situation, and money is recieved quickly

2 months ago

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Reply from MoneyKey

Hey Yilanca, 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 to help when you need us.

Apr. 28th, 2022

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LEONARD D JOHNSON Dallas, TX

Good experience through and through. Very helpful.

2 months ago

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Reply from MoneyKey

Hey Leonard, 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.

Apr. 22nd, 2022

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Catherine Saenz El Paso, TX

Very satisfied with the loan installation payemnts

2 months ago

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Reply from MoneyKey

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

Apr. 22nd, 2022

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Frank Saenz El Paso, TX

The fees are super high, great service & professional customer service

2 months ago

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Reply from MoneyKey

Hey Frank, 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. 22nd, 2022

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Gerald Burke Johnson City, TN

It's a racket. I tried to revoke my ACH authorization and they literally hung up on me. It's illegal to require me to repay the loan via ACH.

2 months ago

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Reply from MoneyKey

Hi Gerald, we’re sorry to hear about your experience and would like the chance to properly assist you. We aim to be as transparent as possible when it comes to the repayment terms and conditions on products offered through MoneyKey.com. To address your specific concerns, please give us a call at 1-866-255-1668 or email us at [email protected] Thank you.

Apr. 22nd, 2022

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Karma Grayman

Payments aren't super high, fast renewal.

2 months ago

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Reply from MoneyKey

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

Apr. 14th, 2022

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Priscilla R

Application was simply, n the payments are not too bad

2 months ago

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Reply from MoneyKey

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

Apr. 14th, 2022