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MoneyKey

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8.4

Overall Score

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LAST UPDATED: February 1st, 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 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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125 Reviews

Review Breakdown

5 grade

74%

4 grade

14%

3 grade

5%

2 grade

4%

1 grade

3%

Sentiment Criteria

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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

7 months 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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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!!

8 months 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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Gary L Garrison Dallas, TX

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

2 months 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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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.

6 months 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

7 months 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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Reynaldo Shreveport, LA

Love the easy use of app, helps me when I need it!! Very satisfied!!

6 days ago

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Reply from MoneyKey

We appreciate the great review, Reynaldo! We're here to help when you need us.

Feb. 2nd, 2023

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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 !

8 months 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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sandi taylor Joplin, MO

I like the fast response if the customer service reps. And that the application was easy

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, Sandi!

Jan. 27th, 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.

2 months 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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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.

4 months 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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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.

8 months 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.

10 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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Stacie Johnson Minneapolis, MN

It satisfied my interest of consolidating my financial issues ..

1 week ago

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Reply from MoneyKey

We appreciate the great review, Stacie!

Jan. 27th, 2023

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Robin Hopkins Saint Louis, MO

They're very understanding and willing to help

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, Robin!

Dec. 22nd, 2022

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Cindy Rosa Big Spring, TX

Excellent service and easy to manage online paperwork!

1 month ago

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Reply from MoneyKey

Hey Cindy, 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.

Dec. 22nd, 2022

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Dominga acosta Houston, TX

They were very helpful. They met my needs when needed

1 month ago

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Reply from MoneyKey

Hey Dominga, 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. 22nd, 2022

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Linda F Austin Euless, TX

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

2 months 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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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

5 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, Albert!

Sep. 1st, 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.

8 months 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!

8 months 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.

8 months 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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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..

10 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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Jerry Dallas, TX

The online process is very easy and quick

1 week ago

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Reply from MoneyKey

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

Jan. 27th, 2023

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Pablo Contreras San Juan, TX

No problem getting financing when needed

2 months ago

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Reply from MoneyKey

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

Nov. 11th, 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

4 months 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 [email protected] 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.

5 months 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

5 months 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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Lisa Wilmington, DE

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

6 months 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

6 months 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 [email protected] 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.

8 months 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!

8 months 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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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.

10 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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Auvale Siufanua

I like that Money Key always responded when I needed the money.

2 weeks ago

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Reply from MoneyKey

Hey Auvale, 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.

Jan. 19th, 2023

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Ruben San Antonio, TX

Easy to use and very well helpful with receiving the help.

3 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, Ruben!

Jan. 11th, 2023

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Harry Bartee Kingsland, TX

Convenient and expensive but there when you need them

2 months ago

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Reply from MoneyKey

We appreciate the great review, Harry! We're here to help when you need us.

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.

4 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, 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.

4 months 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

4 months 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.

5 months 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

5 months 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

5 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, Joseph!

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!

7 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, 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.

7 months 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!

8 months 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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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.

8 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, 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

9 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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Latrice Milwaukee, WI

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

10 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.

10 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

10 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

10 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