MoneyKey Review: Fast Short-Term Loans with Same-Day Funding. Is It Worth It?

Overall the experience was really good. My town is pretty tiny with just a little local bank, so we ran into some issues getting the bank documentation sorted out, but we eventually worked through it all. Really happy with how everything turned out

The offer they gave me was reasonable and came through fast. Filling out the application was straightforward yet thorough and everything seemed really professional throughout the process.

Simple application process. Quick service.

They've been super helpful in getting my funds to me. Would definitely recommend them to others.

My application was done and I got the loan I needed in under 24 hours

Had a really good experience and got my money fast.

Definitely recommend fast simple dependable safe

They're consistently there when you need funds sent to your account before the day ends. When you pay on time they'll increase your credit line which is super helpful particularly around Christmas. Would absolutely recommend them to friends and family.

Anybody who's got the patience to walk a 70 year old through something on the phone like I'm 2 years old is amazing. Meaning a 2 year old could probably figure out my phone faster than me.

Higher rates Deposits generally show up fast App for the account functions well

Super straightforward process and the funds hit my account before the day was over.

Had a really good experience

Really appreciate your terms and business practices and especially how you treat your customers with respect

Kind of pricey with the interest rates and big monthly payback amounts. Would prefer smaller monthly payments that come once a month. I am grateful for the chance they provided me though.

Application process was straightforward and easy

Money key is amazing very reasonable affordable and super efficient.

What really made my experience positive was CC Flow noticing I've been paying on time and boosting my credit which made me really happy. They're doing an excellent job acknowledging customers like me who pay on schedule. I hope they keep recognizing customers and rewarding them for maintaining good payment history

Getting approved was really simple and I appreciate having payment plans instead of paying everything back at once.

I didn't realize this loan would pull money from every single paycheck bi weekly. I'm drowning in debt and can't even cover rent because of these bi weekly payments. If it was monthly I could handle it but I'm completely stressed and BROKE!!!

Quick and friendly service. It's great knowing I can access a small credit line for surprise expenses. Having a credit line available for life's unexpected moments is really helpful. I was able to purchase some additional gifts for my son to boost his confidence for the upcoming holidays.

Everything went smoothly and I got the whole thing done by the following day.

Amazing customer support came through for me right when I needed them most… quick and really effective😄

Perfect timing with this service, got cash exactly when I needed it which let me pay my smaller bills on time like utilities and gas.

Ridiculously easy from beginning to end. Moneykey turned what might've been an awful, embarrassing situation into something straightforward and totally dignified. Getting approved was a breeze. Payment options are super flexible. Website is simple for both applying and accessing your loan. Really quick and simple to reach someone at the company if you've got questions or issues. I'm really grateful to Moneykey for being there during a tough time and treating me with such kindness throughout.

Had a great experience overall. Simple process. Really convenient.

Super helpful, simple to navigate, appreciate getting those email reminders about when payments are due.

Everything from start to finish was really smooth.

The application went fast and was simple, got approved quickly with immediate access to my funds. Would definitely recommend

Quick and simple. Money showed up the next day. They really bailed me out…

Getting the funds I needed was straightforward and the process was quick. I'll be recommending this to others.

The person helping me was incredibly supportive and everything online was super straightforward with a quick turnaround

Everything was presented honestly with no surprises, got exactly what I was looking for.

I'm giving 1 star because that's the minimum required to leave a review. If I could I'd rate them zero or negative stars for accuracy. I've dealt with some really bad/predatory lenders when I was younger and didn't know better while building credit, but this company takes it to a whole new level of terrible. When you apply (most people with poor credit trying to rebuild like myself discover this company through Credit Karma of all things) they'll quote you something high like 27% or 32% interest (around that range) but that's only the start. With bad credit that I'm actively working on I expected to pay higher rates but THIS BLOWS EVERY OTHER LENDER OUT OF THE WATER BY A MILE! On top of interest rates already maxed out legally, they slip in extra "processing and maintenance" garbage fees. Once you begin making payments you'll see almost nothing touches your principal balance. Real example, I pay $335 monthly on a $1500 loan. Out of that payment literally only $35 goes to principal! That's the actual number with absolutely no exaggeration! It's gonna take years paying off $1500 with over $300 monthly payments which is or ought to be flat out illegal! If I'd known this I never would've taken this emergency loan back then. I would've been better off finding a loan shark or real mobster and paying their vig which would end up way cheaper than what these crooks charge! Something else I noticed is after you pay they prominently display and promote a button to "request more funds easily". Wow! Pure evil! Anyway, I'm contacting my bank to stop the ACH payment authorization. *Oh, and by the way, that's another way they screw you over. They make you set up ACH payment authorization which means they get paid even if it overdraws your bank account and worse they basically get all your employment information. Never agree to ACH payments. They collect way more information than they should when you do. So I'm calling my bank right away to report this payment as fraud. I'll work with a credit counselor to sort this out but I refuse to pay what amounts to over 80% interest on a loan that wasn't even a big amount. Absolutely disgusting what these people do. **I should also talk about their "customer service" briefly. They start harassing you the moment you miss a payment. Super aggressive and will call constantly throughout the day even very early morning (3am or thereabouts) and late night (way past business hours). They show zero empathy when you explain the payment setup is fraudulent. All around an awful company!

Was awesome great app and super easy and user friendly, got approved within minutes 😊

Everything was straightforward and came through right when I needed help

My request to increase my funds got approved and deposited right away without any waiting.

The rep was courteous & professional in how they walked me through everything really appreciated 👏🏼 👍🏼

Delivered exactly when I needed it

Money's tight for most people right now... when unexpected expenses come up it's really comforting knowing I've got basically same-day access to additional funds. The interest on my MoneyKey advances costs way less than overdraft fees and returned item charges would run me. The request process is easy and fast using the app, and if I submit a draw request early enough in the day the money deposits same day. It's been a lifesaver for me.

They're ready to help. Excellent customer service!

I needed to borrow money despite having some issues on my credit report. Moneykey.com gave me respectful, courteous service and provided exactly what I was looking for quickly. Thank you so much, I'm truly grateful for everything you did to help me out!!!

Simple and straightforward

Super simple process and the communication was really great throughout!

Straightforward application quick funding

that they gave me a loan when times were tough

It's a decent option for quick cash at first, but make sure to pay it back immediately or you'll end up stuck in never-ending debt. The interest rates are insanely high, and most of what you pay goes straight to interest and fees, with barely anything touching the principal balance.

Completed all required applications and verification steps. Got told I was approved. So I went ahead and paid off 2 bills and waited around. Nothing came. Reached out to customer service. They eventually got back to me. Just to inform me my offer had expired! I checked my account multiple times, no alerts except great your approved. Then abandoned completely. Everything was fine until this happened. Thanks Now I'm broke and can't cover anything Already communicated through email, your support staff don't care that I'm 500 dollars in the hole now, about to lose my vehicle and power. They claimed I didn't earn enough for the 550 and was never truly approved. Even after I sent them the approval email. My paycheck after taxes is 803. Primary account gets 585. The remainder gets divided between 3 accounts for easier automatic payments.

Super simple and helpful staff

The ability to get money quickly is excellent, but I really don't believe you should be getting rich off the interest rates you charge. The interest is completely ridiculous! If you borrow money and repay it really fast it's a solid option, but pay it back quickly or the interest will destroy you.

They've consistently come through whenever I needed assistance

They totally understood my situation and came through for me completely. Really grateful for this company and would definitely recommend them.

Everything was straightforward and the monthly payments are low enough that I can actually manage them.

Simple to request, process moved smoothly

Very satisfied customer!

Payment plan was manageable and got me back on track

Love how quick and simple the approval was

My additional funds didn't arrive today. Was told it'll be deposited to my account ASAP.

Most loans turn me down since my credit is worse than bad. Getting approved for this credit line was pretty straightforward and the approval came fast and I'm grateful for the loan.

Didn't receive payment

Incredible Service

Perfect for emergencies fast and simple

Staff members were really helpful.

Simple straightforward process 👌

What they're charging for this line of credit is completely ridiculous!! I desperately needed emergency funds and they did give me approval but I'm paying $150+ in fees alone every two weeks and only about $20 actually goes to my balance. Between all the fees I've given them five times what I borrowed but still owe 80% of the original amount.

Awful customer service and payment choices. Took out a debt consolidation loan and dealing with them to pay it off has been a nightmare. They told me a check sent by mail would need 3-4 weeks to process. That adds a ton of interest

Straightforward renewal process for my loan.

Money key showed up exactly when I needed help the most. Thank you Money Key

Simple

Thanks so much for improving things for my family and me! Plus, how quickly everything moved was a total lifesaver. I was at risk of getting my electricity shut off a second time. Nobody wants to need to borrow money in this economy, but this program saved This single mom.

My experience using MoneyKey Financing was really positive, fast, and professional. Love how you handle loans for returning customers. Excellent work.

Simple to secure funds and they've always been there when I'm in a tight spot.

This is straight up predatory. They take a $45 payment two times monthly but only apply $20 as credit. Completely ridiculous. So glad I finally paid it off.

Super simple to navigate and funding hits your account the next business day….two thumbs up Money Key!!

Quick, straightforward and hassle-free process.

Really simple process and money showed up fast in my account.

Moneykey is seriously amazing! They're always there for me exactly when I need them most! Getting through the stretch between paydays can get tight sometimes but Moneykey helps me make it work every time.

Getting help when I was desperate was wonderful and I really am grateful But having to repay $2,000.00 after borrowing $800.00 is way too excessive you should have better policies I'm thankful for the assistance but I'd never take a loan from them again and I'm telling my friends and family not to either. You exploit people way too much.

This company offers pretty reasonable payment amounts and interest rates. I really like that it's a credit line you can tap into repeatedly for surprise costs without needing to apply again

Everything was smooth sailing i Would definitely recommend this company to anybody

appreciate everything you guys do I definitely recommend you all keep doing what you're doing thanks

MoneyKey really comes through whenever I need some extra cash in my checking. It's been a huge help.

Didn't run into any issues getting the loan. It arrived right when I desperately needed it. Thanks Money Key. Already finished paying it back.

The monthly payment fits my budget nicely, though the interest is pretty steep for what I took out. Still, the loan did what I needed it to. I'd choose Money Key over other lenders

The rep who assisted me was incredibly professional. She walked me through everything with patience and made it simple. She clearly knew her stuff as a loan officer. Getting the money was a breeze. I'll definitely keep using Money Key Loans going forward. Thanks for the help.

How efficiently you can request funds and receive them quickly.

Interest way too high. Rates are way too high. This is robbing folks. Only $10 gets applied when you make a $100 payment. $90 goes straight to fees and interest. This company is drowning people. You're only getting 10 credited to your balance while paying 95 each paycheck. Total rip off. They're not letting me rebuild my credit limit this way.

They delivered exactly when I was in a real bind

They got me the funds when times were tough, but paying it off feels like it goes on forever!!

Let me just say most reviews focus on the "process" and they seem to score well there. But… after you take out a loan, if you're unable to repay within 30 days, your payments balloon with extra fees and you'll end up drowning in even more debt. If you're desperate and need cash it's available, but whatever amount you borrow plan on adding roughly 50% and repaying within 30 days. If not, they'll tack their fees onto your balance and it snowballs fast.

They'll work with you on financial problems

Quick replies and excellent customer service

Super simple process!

Adding to my credit line was really simple and convenient. Honestly took under 5 minutes from start to finish

Funds are available whenever I need them.

Quick and simple.

Really helpful

Everything was straightforward and the staff were super friendly and helpful. Well done.

They genuinely care about helping people

Simple interface and great support from customer service

I opened the credit line several months back and don't recall it being hard. Just did my first withdrawal today. Super easy and the funds showed up in my account within a few hours.

The speed of getting my funds was impressive

They gave credit to folks who have bad credit scores and their customer service walks you through everything. They break down all the credit line details so it makes sense before you accept anything.

Everything's been great up to now. No complaints or concerns at all

Quick and simple application. Excellent transparency and service. I'll absolutely be using them again!!!!!!

What bothers me is the ridiculously high fee on each payment I make I pay 75 and only ten bucks goes to principal everything else is billing fees That's insane

Everything felt professional and I got approved for an $1800. creditline. The money got deposited into my checking like I asked. I really needed the full $3500. I originally requested but only got the $1800. That said, Moneykey Representatives were extremely Professional and supportive throughout everything. Maybe if I'm a good customer they'll approve me for the higher amount later to help pay off debt and fix my car. Thanks for the Approval Bruce Newell

Fantastic company simple approval process and flexible payment options

Super easy process. Never thought I'd get approved and receive money that fast. Amazing!

Great communication the whole way through. My problems got taken care of quickly without endless waiting.

Solid company

Solid service, interest rates are just a bit steep

The refinancing process was simple and stress-free. Appreciate it

Sounds great getting approved for emergency cash, but the reality is it's not actually accessible for 2 to 3 days after approval when you're waiting on emergency funds. Doesn't really help when you need money immediately. It shows up as debt before you can even use it. In my opinion a payday loan would work way better because even though it costs more, at least the funds are available right away

Really helpful team.

My initial limit amount was pretty decent. The only tough part is the monthly fees when you can't pay everything off in a month or two. I usually pay in full but with utilities and rent going up plus food costs rising even more it's harder to pay in full until I get a few other things paid down to put more back into this account. The only downside is those monthly fees. They do work with you though if you don't have the full amount on the due date. That's definitely a plus. Wish I qualified for a limit increase so I could knock out some other bills then I could stay paid up in full every month again. It's good to have a cc flow account when you need cash quickly and need it fast.

Absolutely love it everything was quick and simple if you need fast cash right away, money key.com & Trustpilot is definitely the way to go I'm grateful for you guys thank you ❤️

When you're in a tight spot....need quick money this is the one....repayment is fast too. Really helps Emma

They're a good company really easy to communicate with just wish the loan amount could be higher

Everything is simple never had any problems with the website.

Really love this program

Outstanding experience and a great rep

Working with you guys has been really straightforward. The payment amounts are affordable and I'm grateful for that.

Setting up my account was simple. The customer service team knew their stuff and really helped me through everything.

The lady at my service office was super courteous and helpful and I really appreciated how kind she was to me

The rates are way too high. I'm only getting 10 back in my account while paying 95 each paycheck. Total rip off. This doesn't give me any opportunity to rebuild my credit limit.

Quick and simple. Delivered exactly when I needed it most

They're willing to work with you

Getting approved for the larger amount was straightforward and they made their fees totally clear upfront.

Everyone was really friendly and getting approved was incredibly easy.

My experience borrowing from your line of credit has been positive, plus you receive it same day when needed by a certain time

The whole process was super quick, thought I'd need to provide way more documentation but this ended up being exactly the kind of loan I needed, weird considering our own bank turned us down for a personal loan, so this is definitely helping us climb out of the hole we're in

Super simple app to use, zero problems at all

Everything's been pretty great up to this point. My one complaint is the wait time to qualify for a loan increase is way too long

Would be great if they offered refinancing options.

Even though there was a mix-up.. Monkeykey got it right

Quick and helpful with affordable repayment terms.

You guys are hands down the best loan company out there

really helped me out

Getting a line of credit has never been this simple. And right when I needed some financial help because my work hours got cut temporarily. Thanks so much MoneyKey for being there when I needed it. I really appreciate that the money is there only when I actually need it and in the exact amounts I want and then I can pay it back and reuse it as needed. Such a lifesaver.

Funds deposited same day

This company provided me with an excellent experience

Every time I reached out with questions, their customer service was super helpful!!

After every payment, I get a follow-up email with all the info I need about my account status and it tells me how much I can borrow if I want to. This makes the whole process Quick, Simple and Reliable with funds deposited fast.

Getting approved and receiving exactly the loan amount I requested was super quick and simple..Outstanding customer service..

Had a really great experience

The application process is straightforward and if they need anything clarified about your application they'll actually call you personally to sort it out and send it for review

Super simple to work through everything and getting approved was quick and painless 👌

Thanks so much for helping us out! Everything was incredibly easy! Your representative was amazingly kind & helpful. Thank you

The whole process was super quick and simple.

The application was simple to complete, talking with a representative was even simpler & they were really courteous and professional. I'd absolutely rate this company 10 stars because they truly went the extra mile. Thank you

Absolutely fantastic experience

Super simple to work with and they'll assist you with whatever you need!!

Got approved quick and hassle-free!!

Had my doubts going in but the process was pretty straightforward and I got approved which is helping me rebuild my credit

Super professional outfit and really polite! The team went out of their way to ensure I fully grasped the loan terms, and walked me through every detail...I'm incredibly Grateful and thankful for getting approved, and I'd definitely recommend them to my friends and family!

Pretty unhappy at the moment I haven't gotten my funds yet and nobody's helping me figure it out so I'm not pleased right now

Nice to find somewhere that treats you well when you're trying to help out family members.

Had to cover some bills and this totally saved me received my funds the next day 🫶🏻

The whole thing was quick and straightforward. Rates are fair. Hoping for a great long term partnership with Money Key. Thanks

Fast, dependable and simple.

They come across as a legitimate business and they're there for you when you need help

simple application process clear results immediate credit line with personalized one on one service

The representative knew their stuff, provided straightforward guidance on the repayment process. They were polite and respectful throughout. I'm grateful to everyone involved in getting my loan approved.

Really professional, approachable and they made everything smooth and simple.

Had a wonderful experience. Fast, straightforward and welcoming service. Appreciate it!

Professional and efficient lately

Really simple application process. Trustworthy, transparent, and ethical company.

super simple application process and fast reply!

You guys are really helpful, right when I needed some extra cash most. You came through. Thanks.

Money key is an excellent business. Customer service they provide is top notch! Everything about my experience with them has been really positive.

Everything moved fast. The website is really easy to navigate.

Appreciate it Moneykey everything went smoothly. Everyone I dealt with was courteous and helpful

really nice person on the phone was useful

Help from the team members.

Don't ever, and I mean ever take out a loan with them. Their APR is 295. I borrowed 1,660 and they're making me pay back 4425. I was totally floored by the payback amount. if you don't pay it off fast, you'll end up paying way more. wish i had known so i could've paid it earlier. I've had this since March, now it's July. they pull 202.91 out of my account every two weeks. I wouldn't get another loan from them again.

Simple to get to. Really happy with how it turned out.

They're very professional. The money comes right away. All in all it's a quick and simple process.

This was among the simplest loans I've ever gotten and it was super fast. Plus you don't wait long to get your deposit

Got approved for a credit line. Everything was straightforward.

Super simple application gave me exactly what i was looking for.

Perfect for anyone needing cash the same day. Really simple to navigate. I'll definitely be coming back to this company

Doesn't matter how long you've been with them or that you always pay on time, they will NEVER raise your credit limit. Save yourself the hassle and go with a better company

Money Key came through for me when nobody else would, fast with zero issues. Thank you I've been recommending Money Key to my family and friends.

They come through when you're in a bind

Their fees are ridiculously high. Hopefully I'll never need them again. My advice is only use them if you're able to pay everything back with your next paycheck

Funds are there when you're in need

Got the money I was looking for. Is there any way I could get my loan increased for additional funds. Maybe $300.00. Thanks.

Great customer service, simple application process and excellent follow up.

Customer service was really helpful and professional Fantastic

You helped me get a loan when nobody else would and the application process was simple.

Money Key comes through whenever I've got a bill or unexpected cost that needs quick cash.

Really convenient service. Simple to navigate

Really appreciate how you guys keep raising my borrowing limit over time. Super helpful.👍👍👍👍

Using their service was incredibly straightforward and hassle-free. The rep I talked with on the phone was really pleasant and supportive.

You guys have really helped me out and I'm genuinely grateful for everything you've done and I want to thank you and it's been super convenient

They're solid companies

All of it adds up to an excellent experience

Not certain I understood this right but borrowing $2000 means I'd pay back almost 13,500 over 24 months!? That's insane!!

Straightforward and honest company!

Everything went perfectly and was all correct!

MoneyKey is ok. The rates aren't horrible, but the process in getting a loan in the first place leaves a lot to be desired. They require too much documentation and the approval time could be faster.

THEY WERE FAST AND VERY FRIENDLY.

Short term loans from MoneyKey are pretty reasonably priced but there are cheaper options out there for longer term loans

the best money lending company i know highly suggest it

the interest can be a little lower for us businessman

Simple and fast. I applied was approved money in account next day!

Fast and Easy! Good customer service. I really thought they were professional and kind when I called to verify my info. They even took the time to explain all the terms clearly and made sure I understood everything.

Repayments start immediately and interest rates are quite high in comparison to other lenders.... I am still happy though.

Komo was very helpful and professional.

The loan process was rather smooth and quick. I was impressed with their speed in getting the money (within a few hours). Their customer service team was helpful and answered all my questions promptly.

I would highly recommend MoneyKey.

very flexibles terms

the pricing should be more affordable

Easy to get money.

Rates are horrible, Take 2 payments a month and barely touches the principle. This place is a con.

That offer a great service

Nothing

Easy to get money.

Payments are ridiculous. Get charged twice a month and barely anything goes to the balance.

Very flexible terms

high rates

AWESOME CUSTOMER SERVICE!!! THESE PEOPLE REALLY WANT TO HELP YOU. HEATHER THE AGENT THAT I HAD WAS GREAT!! SHE HELPED ME THROUGH THE LOAN PROCESS AND ANSWERED ALL MY QUESTIONS. I WOULD DEFINITELY RECOMMEND THEM TO ANYONE NEEDING A LOAN.

Very flexible terms, fast response, transparent policies and great customer support

moderate to high rates, relatively new to the market

Got money fast

Interest way high 1500 for 500 insane rates

Very friendly & helpful, but I still have not received my money

It was fast and easy, customer service was friendly and made sure i was comfortable with the terms before proceeding. It's expensive but for people in emergency situations, it's a viable option that delivers quickly.

Trial convinces

Not really bad

When I first began to search for a loan, I was a bit undecided by the number of terms and was directed to speak to a representative. They explained everything clearly and helped me choose the best option for my situation.

Yes.This gives a good amount of money.This is my second loan from this company

I have nothing wrong till now

My first experience and i had a good feeling. I needed help very badly and it wasn't much but it help. I appreciated it. Thanks for being there when I needed assistance the most.

Customer service is awesome! They helped me get out of financial problem. Which helped me a lot. I always tell people if your in need of quick cash, this is the place to go. They are reliable and trustworthy.

Yes. This is my second loan with Money Key. I liked their personal customer service care. They talked loan details with me and made sure I understood everything before finalizing. The process was smooth and efficient both times.

Never use this service