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MoneyKey

Name: MoneyKey
Rating: 4.5

4.5

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147 User Reviews

7.4

Overall Score

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4.5

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147 User Reviews

7.4

Overall Score

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Bad

Bottom Line

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Company Details

Minimum Loan Amount

$200–$3,500

Loan Terms

Up to 18 Months

States Serviced

Number of Reviews 147

Source of Information

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error This company may not service all states.

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LAST UPDATED: July 28th, 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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User Reviews

Star Rating

4.5

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147 Reviews

Review Breakdown

5 grade

73%

4 grade

14%

3 grade

2 grade

1 grade

Sentiment Criteria

Value

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Quality

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Service

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Trustworthiness

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Verified Customer

star star star star star

Donna Winfrey Chillicothe, MO

Very friendly. Explained everything very well.

1 year ago

Reply from MoneyKey

Hey Donna, 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. 10th, 2022

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Verified Customer

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Jeanne M Clark Grandview, MO

Good customer service. Expedient delivery of the funds

1 year ago

Reply from MoneyKey

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

Mar. 10th, 2022

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Verified Customer

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Clara Dancer Starkville, MS

Because they was courtesy and understood my need of and emergency!

1 year ago

Reply from MoneyKey

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

Mar. 10th, 2022

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Verified Customer

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Brian yeary Santa Fe, NM

They are so easy to work with..the website is so easy to use

1 year ago

Reply from MoneyKey

Hi Brian, We’re glad you have positive feedback about the service you received. Are you sure you want to leave a 2-star rating? If so, we want to hear more about your experience at [email protected] to help us improve our service.

Mar. 10th, 2022

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Verified Customer

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Kendra Hicks Cookeville, TN

Not very transparent about when payments are due. Website is not user friendly

1 year ago

Reply from MoneyKey

Hi Kendra, 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.

Mar. 10th, 2022

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Verified Customer

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Mildred Aidoo El Paso, TX

Very fast, easy approval great customer service

1 year ago

Reply from MoneyKey

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

Mar. 10th, 2022

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Verified Customer

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Vonda Thrower Milwaukee, WI

Great service and fast! Good customer service, prompt and good!

1 year ago

Reply from MoneyKey

Hi Vonda, We’re glad you have positive feedback about the service you received. Are you sure you want to leave a 1-star rating? If so, we want to hear more about your experience at [email protected] to help us improve our service.

Mar. 10th, 2022

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Verified Customer

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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

1 year ago

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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Verified Customer

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Jason M Boyd Menasha, WI

Easy approval and fast funding . A pleasant experience for an online lender

1 year ago

Reply from MoneyKey

Hey Jason, 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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Verified Customer

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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..

1 year ago

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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Verified Customer

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Leslie Logan, UT

Fast and easy in a jam. It was there in an emegency

1 year ago

Reply from MoneyKey

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

Mar. 31st, 2022

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Verified Customer

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George P Paterakis Grapevine, TX

Great customer service. Very friendly employees.

1 year ago

Reply from MoneyKey

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

Mar. 31st, 2022

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Verified Customer

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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.

1 year ago

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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Verified Customer

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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

1 year ago

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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Verified Customer

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Tiffany Bauder Canton, MS

Great people to work with. Always very helpful.

1 year ago

Reply from MoneyKey

Hey Tiffany, 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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Verified Customer

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Shirley pedrino Buckner, MO

Helpful took care of everything quick good experience

1 year ago

Reply from MoneyKey

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

Mar. 31st, 2022

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Verified Customer

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nicol benford Plano, TX

Easy application and friendly professional staff

1 year ago

Reply from MoneyKey

Hey Nicol, 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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Verified Customer

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ozzy isede Arlington, TX

ease of doing transactions.ease of funds availability.

1 year ago

Reply from MoneyKey

We appreciate the great review, Ozzy!

Mar. 31st, 2022

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Verified Customer

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Theresa Buehring Nekoosa, WI

Yall are always amazing and go above and beyond to help

1 year ago

Reply from MoneyKey

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

Mar. 31st, 2022

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Verified Customer

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Melisa Gill Bryan, TX

Just very caring, professional employees explaining everything we need to know

1 year ago

Reply from MoneyKey

Hey Melisa, 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.

Mar. 31st, 2022

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Verified Customer

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Joseph Laduca El Paso, TX

Loan shark type interest rares. Pure usuary.

1 year ago

Reply from MoneyKey

Hi Joseph, we appreciate your feedback. We aim to be as transparent as possible when it comes to the repayment terms and conditions on products offered through MoneyKey.com. In order to address your concerns, we need additional information regarding your experience. To protect your privacy, please send an email to [email protected]. Thank you.

Mar. 31st, 2022

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Verified Customer

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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.

1 year ago

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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Verified Customer

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Lisa Andrews, TX

It's not complicated , very friendly, easy, fast

1 year ago

Reply from MoneyKey

We appreciate the great review, Lisa!

Mar. 31st, 2022

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Verified Customer

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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.

1 year ago

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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Verified Customer

star star star star star

Enjoli Pope Crowley, TX

Easy to get a loan. Great customer service

1 year ago

Reply from MoneyKey

Thanks, Enjoli! 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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Verified Customer

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Cary N Brawner Willis, TX

Very easy process to get funds needed to help me with needs.

1 year ago

Reply from MoneyKey

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

Mar. 31st, 2022

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Verified Customer

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Jiron

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

1 year ago

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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Verified Customer

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Victoria Hesler

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

1 year ago

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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Verified Customer

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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.

1 year ago

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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Verified Customer

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William sosa

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

1 year ago

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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Verified Customer

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Sandra D Taylor

Very good service. Trustworthy and honest. Great service

1 year ago

Reply from MoneyKey

Hey Sandra, 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. 14th, 2022

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Verified Customer

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Julia Ann Hamilton

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

1 year ago

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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Verified Customer

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Priscilla R

Application was simply, n the payments are not too bad

1 year ago

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

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Verified Customer

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Karma Grayman

Payments aren't super high, fast renewal.

1 year ago

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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Verified Customer

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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.

1 year ago

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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Verified Customer

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Frank Saenz El Paso, TX

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

1 year ago

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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Verified Customer

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Catherine Saenz El Paso, TX

Very satisfied with the loan installation payemnts

1 year ago

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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Verified Customer

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LEONARD D JOHNSON Dallas, TX

Good experience through and through. Very helpful.

1 year ago

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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Verified Customer

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James Euless, TX

There could be more transparency in the loan arrangement between parties.

1 year ago

Reply from MoneyKey

Hi James, 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.

Apr. 28th, 2022

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Verified Customer

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Paul Wayne Lewis Abilene, TX

Have always been helpful and transactions completed in a timely manner

1 year ago

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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Verified Customer

star star star star star

Yilanca Pennix Fort Worth, TX

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

1 year ago

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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Verified Customer

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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

1 year ago

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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Verified Customer

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Joyce Brooks Manchester, TN

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

1 year ago

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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Verified Customer

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Bobbie jo mercer Whitesboro, TX

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

1 year ago

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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Verified Customer

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Carrie Tyler, TX

It cost me $800 for $300 loaned. Way to expensive!

1 year ago

Reply from MoneyKey

Hi Carrie, we appreciate your feedback. We aim to be as transparent as possible when it comes to the repayment terms and conditions on products offered through MoneyKey.com. In order to address your concerns, we need additional information regarding your experience. To protect your privacy, please send an email to [email protected]. Thank you.

May. 12th, 2022

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Verified Customer

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Denise Medina Ranchos De Taos, NM

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

1 year ago

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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Verified Customer

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Roberta Haynes Converse, TX

The appreciation process could be simpler.

1 year ago

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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Verified Customer

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Deborah J Jones Plano, TX

Quick and easy to use for returning customers.

1 year ago

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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Verified Customer

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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 year ago

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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Verified Customer

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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 year ago

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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