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MoneyKey

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7.3

Overall Score

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LAST UPDATED: March 28th, 2023

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.

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The Good

  • Transparency
  • Fast Funding
  • Customer Policies and Resources
  • No Hidden Fees

Transparency

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.

Fast Funding

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.

Customer Policies and Resources

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.

No Hidden Fees

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.

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The Bad

  • Limited Availability by State
  • No Loans Available for Military Personnel

Limited Availability by State

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.

No Loans Available for Military Personnel

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.

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The Bottom Line

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.

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Star Rating

4.6

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288 Reviews

Review Breakdown

5 grade

78%

4 grade

12%

3 grade

6%

2 grade

1%

1 grade

3%

Sentiment Criteria

Value

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Quality

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Service

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Melody Edwards Abilene, TX

They have always been very helpful and kind I've been dealing with moneykey for a few years and I have always been pleased with your customer service experience thank u all for trusting and believing in me your genoriouty means a lot I won't deal with anyone else since I have been with you guys I rate you all #1 in my book always love you guys

2 years ago

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Reply from MoneyKey

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

May. 25th, 2021

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Johnny Amarillas Austin, TX

Assistant who helped me above & beyond.I was having issues with my phone was about to give up & even told her so. But she took the time to walk me through the process & got me signed in & got loan approved.

1 year ago

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Reply from MoneyKey

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

Mar. 10th, 2022

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John Chandler Fort Worth, TX

Fast and reliable with their customers.will stay on the phone when verifying information with your bank,explain contract agreement and monthly payment plan .Help you with downloading your contract agreement and provide you with a customer service number if you have any question.

1 year ago

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Reply from MoneyKey

Thanks, John! 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.

Feb. 18th, 2022

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Debbie Hutchison Plano, TX

I just feel like the fees are extremely high. It takes a while to pay it down because fees are so high. I keep using MoneyKey because I am an established customer. I just wish that after a customer became established the fees would lower.

1 year ago

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Reply from MoneyKey

Hey Debbie, being an established customer we greatly 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 for choosing MoneyKey.

Feb. 11th, 2022

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Margie Soseeah Zuni, NM

Help you right away when you need it! It's fast way to get money easy way to do it .I recommend to my son . That it help a lot. Am glad I choose Money Key Thank You ! So much!

1 year ago

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Reply from MoneyKey

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

Feb. 3rd, 2022

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Samantha Chandler Moselle, MS

My second time borrowing from MoneyKey was so easy and way faster than before since they kept my info safely stored in their system. They were there to help in the beginning when no one else was.

2 years ago

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Reply from MoneyKey

Hey Samantha. 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. Thank you for choosing MoneyKey!

Nov. 21st, 2021

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Christa Sampson Dallas, TX

With this pandemic going on it place me in a really bad jam and I needed some help and if it hadn't been for money key I don't know what I would have done they're a great company that help you

2 years ago

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Reply from MoneyKey

We appreciate the great review, Christa! Thank you for choosing MoneyKey.

Oct. 22nd, 2021

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Pam Davis Coleman, TX

They were very friendly and also easy to deal with. The money was in my account by the end of the day which was very nice. I would recommend them to others needing a little help,

2 years ago

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Reply from MoneyKey

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

Sep. 30th, 2021

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Cynthia valdez San Antonio, TX

They have always answer my questions and have transfer the money when they say also I like the reminders of my payment coming up all the people I have spoken with have been wonderful

2 years ago

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Reply from MoneyKey

Hey Cynthia, 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. Thank you for choosing MoneyKey!

Sep. 30th, 2021

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Melissa Stovall Sherman, TX

Money key is a fast friendly way to get a loan. I have always been a satisfied customer. They are very helpful when need questioned answered. I would recommend them to anyone who is need of short term help

2 years ago

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Reply from MoneyKey

Thanks, Melissaa! We are pleased to know that you are satisfied with the service you received!

Sep. 2nd, 2021

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Barbara Bell Kansas City, MO

The customer service was apologetic, but my first payment was taken out before my scheduled payday and caused my account to be overdrawn. They were very apologetic, but put me in a bad spot as I was traveling out of state.

2 years ago

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Reply from MoneyKey

Hello and thanks for providing this feedback. We’re sorry to hear you had a negative experience. We will review the account and ensure we address any service opportunities that we uncover. Thanks for choosing MoneyKey.

Jul. 26th, 2021

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Julia C Lewis Florence, MS

Loan is so easy to apply for. Interest rate is high. However, over all you get the money when you need it the most and I have never been denied. The payments automatically come out of my account so I don't have to take the time to actually make the payment.

2 years ago

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Reply from MoneyKey

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

Jun. 11th, 2021

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Joy Jock Quinlan, TX

Yes I'll give you a loan, yes you'll get it that evening if not the next morning but you have to pay twice as much meaning you get a $550 loan you have to not only pay that back you have to pay that much more for the loan!! I'm trying to build my credit and yes I needed the money and yes I opted for the first loan that popped up that was money key but then I found another loan company and the payback was half as much so I'm going to do everything I can to give money key back the loan amount they gave me with interest and would never ever refer money key to anyone else unless they wanted to pay the extreme amount that y'all charge very dissatisfied and unhappy customer.

1 year ago

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Reply from MoneyKey

Hi Joy, 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. 10th, 2022

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Christian Turner Andover, KS

So far it has been an amazing experience. It was quick and easy an the approval of the money was amazing. I needed money right then and they helped me!

1 year ago

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Reply from MoneyKey

Hey Christian, 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.

Feb. 10th, 2022

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Mary Zenner Sanger, TX

I was treated with dignity and respect. I was upset because it was taking several days to verify my account, but I was treated with kindness and pacience....

1 year ago

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Reply from MoneyKey

Thanks, Mary! We are pleased to know that you are satisfied with the service you received from our Customer Care/Service team. Thank you for choosing, MoneyKey!

Feb. 10th, 2022

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Joe medina Ruidoso Downs, NM

They don't make application complicated the approval time is quick they have good customer service will answer all questions and concerns you may need answered

1 year ago

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Reply from MoneyKey

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

Feb. 3rd, 2022

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Michael sachs Highland, CA

I'm an existing customer who has always repaid on Time. I recently applied for a loan and was noT approved even though I had paid a previous loan. I applied again a week later and was approved. I Don't understand how that could happen

2 years ago

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Reply from MoneyKey

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

Jun. 24th, 2021

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Dawn Houston, TX

great staff very helpful you don't have to wait long for money i just wish they still did loans over the phone but other then that they really are a great company

2 years ago

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Reply from MoneyKey

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

May. 4th, 2021

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Tera Houston, TX

It's ligit. They confirm everything with your bank. You get your money next business day. I will use them again if need be.

1 year ago

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Reply from MoneyKey

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

Mar. 10th, 2022

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Pamela Wilson Holmdel, NJ

Super easy and extremely helpful customer service. I was having an issue verifying my bank and they got me through it very patiently

1 year ago

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Reply from MoneyKey

Hey Pamela, 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.

Mar. 4th, 2022

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Laura Calderon Arlington, TX

Easy process and fast response. Same day service, you request money and couple hours later you have the money in your account.

1 year ago

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Reply from MoneyKey

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

Feb. 24th, 2022

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Evelyn Rider Terrell, TX

Because I never have a problem with processing a loan online when I pay one off it's smooth and easy to get another with no hassle thanks

1 year ago

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Reply from MoneyKey

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

Feb. 18th, 2022

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Betty Wilson Lubbock, TX

Very professional and cordial. The Rep that help me represent Money Key very well. Keep him he is excellent. Very helpful.

1 year ago

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Reply from MoneyKey

Hey Betty, 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.

Feb. 10th, 2022

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Richard Daly Saint Clair, MO

Had no problem getting approved or the process in getting this loan. I am having trouble making a payment through the link. It will not except my card of payment.

1 year ago

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Reply from MoneyKey

Hi Richard, 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.

Feb. 10th, 2022

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Teresa cimfl Prairie Farm, WI

If you need money fast . It only takes a couple minutes to get your application done and also you will know by that same day if you are approved

1 year ago

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Reply from MoneyKey

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

Feb. 10th, 2022

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Victor vigil Las Vegas, NM

There easy to deal with. They also have respectful and kind workers. I feel every body should take a lesson from them them.

1 year ago

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Reply from MoneyKey

Hey Victor, 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. Thank you for choosing MoneyKey!

Jan. 4th, 2022

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Wanda S Clements Houston, TX

MoneyKey has been flexible throughout the entire loan process, and went above and beyond to give me the amounts I have requested.

1 year ago

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Reply from MoneyKey

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

Dec. 9th, 2021

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Sophia Totsoni Albuquerque, NM

Fast, friendly and professional service. My experience as a customer extraordinary satisfied with my loan. Best service. Get your loan today!

2 years ago

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Reply from MoneyKey

Hey Sophia, 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. Thank you for choosing MoneyKey!

Dec. 2nd, 2021

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Lisa Mulieri Santa Fe, NM

Very good experience. They were and still are there when I needed them!!! I am grateful that they are available to me!!!

2 years ago

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Reply from MoneyKey

We appreciate the great review, Lisa! Thank you for choosing MoneyKey.

Nov. 21st, 2021

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Nitchie Nampa, ID

Gives me what I need and listens to what I need. This is the 3rd time I've used them, and they have always been right on

2 years ago

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Reply from MoneyKey

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

Nov. 5th, 2021

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Gwendolyn Grayer Dallas, TX

Love how fast the application took. I have use this company service a few times. I was very pleased every time. Thank u

2 years ago

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Reply from MoneyKey

We appreciate the great review, Gwendolyn! Thank you for choosing MoneyKey.

Oct. 28th, 2021

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Ramiro Ramirez Mercedes, TX

I was in need for extra cash and Money Key helped me out. Was approved quickly and funded with no wait. Great Customer Service

2 years ago

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Reply from MoneyKey

Hey Ramiro, 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. Thank you for choosing MoneyKey!

Oct. 22nd, 2021

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Mary Armijo Clovis, NM

I have had 2 loans with this fantastic company with0 problems .Very convieniant payments. Fantastic customer service team. Thank you.

2 years ago

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Reply from MoneyKey

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

Oct. 7th, 2021

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Laura Garcia East Troy, WI

Because all the questions I had asked them to answer them really nicely they helped me out they were just really really nice and understanding

2 years ago

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Reply from MoneyKey

We appreciate the great review, Laura! Thank you for choosing MoneyKey.

Sep. 2nd, 2021

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Stephanie Lewisville, TX

Because I can & they are nice people . They are very professional & easy to apply & you get a quick response to your application

2 years ago

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Reply from MoneyKey

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

Jul. 26th, 2021

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Jamie Rubio Waxahachie, TX

Customer service is great, the process online is fast and easy. Did met my request and was able to pay in full by 3 day without double interest

2 years ago

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Reply from MoneyKey

We appreciate the great review, Jamie! Thank you for choosing MoneyKey.

Jun. 4th, 2021

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Becky Starek Washington, MO

Because they’re so helpful & fast & courteous. They understand that we sometimes need money for life’s troubles.

2 years ago

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Reply from MoneyKey

Hey Becky, 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. Thank you for choosing MoneyKey!

May. 18th, 2021

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Marivel Hernandez El Paso, TX

Very easy to get the loan with. I had no problems with the customer service employees. I had several loans already and never had any issues.

2 years ago

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Reply from MoneyKey

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

May. 17th, 2021

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William Camp Elizabethton, TN

I was a bit put-off with the amount of personal information required to apply that most don't ask for. Otherwise, it was a good experience.

1 year ago

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Reply from MoneyKey

Hey William, we appreciate your feedback and are pleased to know that you are satisfied with the service you received from our Customer Care team. In order to address your concerns, we need additional information regarding your experience. To protect your privacy, please send an email to [email protected]. We’re here 7 days a week if you ever need any assistance.

Mar. 10th, 2022

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Rick Loveall Lone Jack, MO

Quick and easy to do business with. Funds are available immediately. Rates are high, but, not as bad as some others I've used. Terms are reasonable.

1 year ago

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Reply from MoneyKey

Hi Rick, we appreciate your feedback. We aim to be as transparent as possible when it comes to the terms, conditions and payback expectations on products offered through MoneyKey.com. Thank you for choosing us!

Feb. 3rd, 2022

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Darren J Sinclair Wichita Falls, TX

they are easy to deal with for a loan. However the cost is a little high but that is to be expect when using this type of loan.

1 year ago

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Reply from MoneyKey

Hi Darren, we appreciate your feedback. We aim to be as transparent as possible when it comes to the terms, conditions and payback expectations on products offered through MoneyKey.com. Thank you for choosing us!

Feb. 3rd, 2022

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Danielle Hardrick Fort Worth, TX

Always had a wonderful experience with this company and loved how the company comprised with me on payments

1 year ago

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Reply from MoneyKey

We appreciate the great review, Danielle Thank you for choosing MoneyKey.

Jan. 4th, 2022

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Linda Stephens Pittsburg, MO

I was approved paid it off and borrowed again. They are very easy to work with. My only problem is the high interest rate.

1 year ago

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Reply from MoneyKey

We appreciate your feedback, Linda. We aim to be as transparent as possible when it comes to the total cost of credit. As you move through your credit journey, your account may become eligible for reduced charges and/or increased loan amounts based on good payment history over time. You will receive notices, as applicable, regarding your individual circumstances and eligibility. We’d love to hear from you at [email protected] about how we can improve!

Jan. 4th, 2022

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Carolina Cardenas McAllen, TX

Great costumer service all the time, they are fast replying and solving your problems. They are kind and helpful

1 year ago

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Reply from MoneyKey

Hey Carolina, 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. Thank you for choosing MoneyKey!

Jan. 4th, 2022

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Shawn Lara-Menard Albuquerque, NM

Because a lot of lenders didn't want to help me and money key did & now I've been with money key for more than 3 yrs

1 year ago

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Reply from MoneyKey

Thanks for the awesome review, Shawn Lara-Menard! We're here to help when you need us.

Dec. 9th, 2021

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Brandie Miller Fairview, UT

Customer Review Video

1 year ago

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Reply from MoneyKey

We appreciate the great review, Brandie Thank you for choosing MoneyKey.

Dec. 9th, 2021

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Brenda Garza Athens, TX

they have always been there for me...I have needed money quickly and it was there the same day ate the next morning.

2 years ago

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Reply from MoneyKey

We appreciate the great review, Brenda! Thank you for choosing MoneyKey.

Dec. 2nd, 2021

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Gopikrishna Gokavarapu O'fallon, MO

Money key is best lender which we get instant approval for emergency expenses and they will credit in to our accounts within 24 hours

2 years ago

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Reply from MoneyKey

We appreciate the great review, Gopikrishna! Thank you for choosing MoneyKey.

Dec. 2nd, 2021

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Veronica Uribe Grand Prairie, TX

They were there when I needed help. I'm very excited that they can help everyone in the time of need.

2 years ago

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Reply from MoneyKey

We appreciate the great review, Veronica! Thank you for choosing MoneyKey.

Oct. 22nd, 2021

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Dawn Saint Louis, MO

They were there when i needed funds fast and i was able to get the amount i needed with no ridiculous hassles

2 years ago

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Reply from MoneyKey

We appreciate the great review, Dawn! Thank you for choosing MoneyKey

Sep. 30th, 2021