Verified
4.6
9.6
Overall Score
Founded in 2011, MoneyKey offers or arranges online installment loans, and lines of credit in 9 states.
MoneyKey is a direct lender in most states, but in Texas, loans are through a third-party lender. Rates and terms depend on the following factors: your state of residence rules and regulations, credit product type, and whether/how you qualify.
MoneyKey’s state-by-state loan information is really in-depth. It even goes so far as to show you actual examples of the potential cost of a loan. This is much more transparent than many online lenders.
The application process is quick and easy. If approved, funds may be available in your bank account as soon as the same business day, depending on the time of the request. Funding timelines may vary and are subject to change.
It is important to note that the timing of funding will also be dependent on your bank's policies.
If you change your mind, you may cancel within three business days from when your loan is approved. Not many short-term lenders offer this length of a cancellation period.
Customer service is also available seven days a week via phone, email, and live chat, facilitating open communication between the company and its customers.
Installment loans and lines of credit through MoneyKey do not have any hidden fees, including late fees or prepayment penalty fees. The absence of a prepayment penalty, in particular, may reduce the overall cost of your loan.
Installment loans and lines of credit through MoneyKey are only offered in certain states. Thus, it is important that you know which loan products are available, if any, in your state of residence.
Unfortunately, no credit products offered through MoneyKey have rates that would meet the requirements for lending to covered members of the US Armed Forces and their dependents.
Costs are generally higher for short-term loans, including payday loans, as compared to other loan products since they are intended to be paid back in a much shorter amount of time than a traditional personal loan. The cost of loans available through MoneyKey are common in the industry. In order to provide short-term lending solutions available to those with poor credit, loans through MoneyKey have a maximum APR of 299 percent, depending on the state.
This is an online lender and funding may occur as soon as the same business day, but timing varies and depends on your bank's policies.
The site is clear and transparent, showing cost breakdowns for each state and type of loan.
If you need to borrow an installment or line of credit, this might be a good company to try, especially if you aren’t accepted by lenders with lower interest rates. If you do end up borrowing through MoneyKey, just remember that the faster you can pay off your loan, the cheaper it will be.
MoneyKey is an online direct lender that provides short-term, unsecured personal loans and lines of credit. Our goal is to provide underserved consumers with a safe and secure platform to borrow funds when they’re in need of a financial safety net. We also arrange installment loans as a Credit Access Business and a Credit Services Organization in the state of Texas.
At MoneyKey, we understand how difficult and lengthy the borrowing process can be when you apply for a loan with a traditional lender. Our aim is to make this process as fast and convenient as possible, while maintaining the highest level of customer service.
With MoneyKey, you can look forward to:
• Transparency with no hidden fees • A simple online loan application process • Your funds as soon as the same business day • A safe and secure online platform • Fast and friendly customer service
Our customers are our number one priority, and our friendly Customer Care team is ready to help you every step of the way throughout the entire borrowing process.
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Tenisha Tillman Milwaukee, WI
1 year ago
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May. 17th, 2021
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Diana L Argall Lancaster, WI
1 year ago
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May. 17th, 2021
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Johnny Amarillas Austin, TX
3 months ago
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Mar. 10th, 2022
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Joy Jock Quinlan, TX
3 months ago
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Mar. 10th, 2022
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John Chandler Fort Worth, TX
4 months ago
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Feb. 18th, 2022
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Debbie Hutchison Plano, TX
4 months ago
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Feb. 11th, 2022
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Margie Soseeah Zuni, NM
5 months ago
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Feb. 3rd, 2022
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Tera Houston, TX
3 months ago
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Mar. 10th, 2022
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Pamela Wilson Holmdel, NJ
3 months ago
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Mar. 4th, 2022
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Christian Turner Andover, KS
4 months ago
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Feb. 10th, 2022
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Mary Zenner Sanger, TX
4 months ago
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Feb. 10th, 2022
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Joe medina Ruidoso Downs, NM
5 months ago
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Feb. 3rd, 2022
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Samantha Chandler Moselle, MS
7 months ago
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Nov. 21st, 2021
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Christa Sampson Dallas, TX
8 months ago
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Oct. 22nd, 2021
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William Camp Elizabethton, TN
3 months ago
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Mar. 10th, 2022
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Laura Calderon Arlington, TX
4 months ago
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Feb. 24th, 2022
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Evelyn Rider Terrell, TX
4 months ago
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Feb. 18th, 2022
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Betty Wilson Lubbock, TX
4 months ago
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Feb. 10th, 2022
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Richard Daly Saint Clair, MO
4 months ago
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Feb. 10th, 2022
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Teresa cimfl Prairie Farm, WI
4 months ago
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Feb. 10th, 2022
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Pam Davis Coleman, TX
9 months ago
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Sep. 30th, 2021
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Cynthia valdez San Antonio, TX
9 months ago
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Sep. 30th, 2021
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Melissa Stovall Sherman, TX
10 months ago
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Sep. 2nd, 2021
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Barbara Bell Kansas City, MO
11 months ago
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Jul. 26th, 2021
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Melody Edwards Abilene, TX
1 year ago
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May. 25th, 2021
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Carol Austin, TX
3 months ago
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Mar. 4th, 2022
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Frances Mallard Gulfport, MS
3 months ago
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Mar. 4th, 2022
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Rick Loveall Lone Jack, MO
5 months ago
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Feb. 3rd, 2022
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Darren J Sinclair Wichita Falls, TX
5 months ago
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Feb. 3rd, 2022
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Danielle Hardrick Fort Worth, TX
5 months ago
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Jan. 4th, 2022
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Victor vigil Las Vegas, NM
6 months ago
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Jan. 4th, 2022
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Wanda S Clements Houston, TX
6 months ago
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Dec. 9th, 2021
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Sophia Totsoni Albuquerque, NM
6 months ago
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Dec. 2nd, 2021
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Lisa Mulieri Santa Fe, NM
7 months ago
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Nov. 21st, 2021
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Nitchie Nampa, ID
7 months ago
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Nov. 5th, 2021
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Gwendolyn Grayer Dallas, TX
8 months ago
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Oct. 28th, 2021
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Ramiro Ramirez Mercedes, TX
8 months ago
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Oct. 22nd, 2021
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Mary Armijo Clovis, NM
8 months ago
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Oct. 7th, 2021
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Julia C Lewis Florence, MS
1 year ago
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Jun. 11th, 2021
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Brad Simmons Irving, TX
3 months ago
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Mar. 10th, 2022
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AnniePearl Lavender Memphis, TN
3 months ago
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Mar. 10th, 2022
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Jesse Belmon Houston, TX
3 months ago
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Mar. 10th, 2022
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Kathy Belen, NM
3 months ago
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Mar. 10th, 2022
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Stephanie winslett Orange, TX
3 months ago
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Mar. 4th, 2022
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Tammy Hall Ocean Springs, MS
5 months ago
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Feb. 3rd, 2022
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Meika Durham Boise, ID
5 months ago
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Feb. 3rd, 2022
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Juliet Garcia San Antonio, TX
5 months ago
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Feb. 3rd, 2022
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Benita Mckee Maryville, TN
5 months ago
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Jan. 4th, 2022
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Linda Stephens Pittsburg, MO
6 months ago
Reply from MoneyKey
Jan. 4th, 2022
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Carolina Cardenas McAllen, TX
6 months ago
Reply from MoneyKey
Jan. 4th, 2022
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