4.6
7.3
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.
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Melody Edwards Abilene, TX
3 years ago
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May. 25th, 2021
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Johnny Amarillas Austin, TX
2 years ago
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Mar. 10th, 2022
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John Chandler Fort Worth, TX
2 years ago
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Feb. 18th, 2022
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Debbie Hutchison Plano, TX
2 years ago
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Feb. 11th, 2022
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Margie Soseeah Zuni, NM
2 years ago
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Feb. 3rd, 2022
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Samantha Chandler Moselle, MS
2 years ago
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Nov. 21st, 2021
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Christa Sampson Dallas, TX
3 years ago
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Oct. 22nd, 2021
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Cynthia valdez San Antonio, TX
3 years ago
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Sep. 30th, 2021
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Pam Davis Coleman, TX
3 years ago
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Sep. 30th, 2021
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Melissa Stovall Sherman, TX
3 years ago
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Sep. 2nd, 2021
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Barbara Bell Kansas City, MO
3 years ago
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Jul. 26th, 2021
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Julia C Lewis Florence, MS
3 years ago
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Jun. 11th, 2021
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Joy Jock Quinlan, TX
2 years ago
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Mar. 10th, 2022
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Mary Zenner Sanger, TX
2 years ago
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Feb. 10th, 2022
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Christian Turner Andover, KS
2 years ago
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Feb. 10th, 2022
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Joe medina Ruidoso Downs, NM
2 years ago
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Feb. 3rd, 2022
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Michael sachs Highland, CA
3 years ago
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Jun. 24th, 2021
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Dawn Houston, TX
3 years ago
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May. 4th, 2021
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Tera Houston, TX
2 years ago
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Mar. 10th, 2022
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Pamela Wilson Holmdel, NJ
2 years ago
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Mar. 4th, 2022
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Laura Calderon Arlington, TX
2 years ago
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Feb. 24th, 2022
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Evelyn Rider Terrell, TX
2 years ago
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Feb. 18th, 2022
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Richard Daly Saint Clair, MO
2 years ago
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Feb. 10th, 2022
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Teresa cimfl Prairie Farm, WI
2 years ago
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Feb. 10th, 2022
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Betty Wilson Lubbock, TX
2 years ago
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Feb. 10th, 2022
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Victor vigil Las Vegas, NM
2 years ago
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Jan. 4th, 2022
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Wanda S Clements Houston, TX
2 years ago
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Dec. 9th, 2021
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Sophia Totsoni Albuquerque, NM
2 years ago
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Dec. 2nd, 2021
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Lisa Mulieri Santa Fe, NM
2 years ago
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Nov. 21st, 2021
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Nitchie Nampa, ID
3 years ago
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Nov. 5th, 2021
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Gwendolyn Grayer Dallas, TX
3 years ago
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Oct. 28th, 2021
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Ramiro Ramirez Mercedes, TX
3 years ago
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Oct. 22nd, 2021
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Mary Armijo Clovis, NM
3 years ago
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Oct. 7th, 2021
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Laura Garcia East Troy, WI
3 years ago
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Sep. 2nd, 2021
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Stephanie Lewisville, TX
3 years ago
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Jul. 26th, 2021
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Jamie Rubio Waxahachie, TX
3 years ago
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Jun. 4th, 2021
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Becky Starek Washington, MO
3 years ago
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May. 18th, 2021
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Marivel Hernandez El Paso, TX
3 years ago
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May. 17th, 2021
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William Camp Elizabethton, TN
2 years ago
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Mar. 10th, 2022
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Rick Loveall Lone Jack, MO
2 years ago
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Feb. 3rd, 2022
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Darren J Sinclair Wichita Falls, TX
2 years ago
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Feb. 3rd, 2022
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Danielle Hardrick Fort Worth, TX
2 years ago
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Jan. 4th, 2022
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Linda Stephens Pittsburg, MO
2 years ago
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Jan. 4th, 2022
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Carolina Cardenas McAllen, TX
2 years ago
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Jan. 4th, 2022
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Brandie Miller Fairview, UT
2 years ago
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Dec. 9th, 2021
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Shawn Lara-Menard Albuquerque, NM
2 years ago
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Dec. 9th, 2021
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Brenda Garza Athens, TX
2 years ago
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Dec. 2nd, 2021
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Gopikrishna Gokavarapu O'fallon, MO
2 years ago
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Dec. 2nd, 2021
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Veronica Uribe Grand Prairie, TX
3 years ago
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Oct. 22nd, 2021
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Dawn Saint Louis, MO
3 years ago
Reply from MoneyKey
Sep. 30th, 2021
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