Written by
Sam Onelia
Company name
MoneyKey
Website
https://www.moneykey.com
Phone
1-866-255-1668
customercare@moneykey.com
Address
1000 N West Street Suite 1200 Wilmington, DE 19801
MoneyKey Review: Fast Short-Term Loans with Same-Day Funding. Is It Worth It?
— Review updated Aug 2025
MoneyKey provides short-term loans with high costs disclosed upfront. Terms are clear, with no hidden fees and some flexibility. Fast support response, but unhelpful and didn’t address the question.
MoneyKey is one of our picks for fast loans, specially if you do not have an excelent credit history.
MoneyKey At glance
Read reviews (29)Pros & Cons
Broad Loan Range: Credit limits and amounts through MoneyKey range from $200 to $2,500. Applying is fast and easy, the amount depends on your state of residence.
Same Business Day Funding: Funds are deposited in your bank account as soon as the same business day, depending on the time of the request. Funding times are subject to your bank's policies.
Early Repayment Option: Pay off your loan early without being charged extra.
Hassle-Free Cancellation: No fee for canceling your loan within 3 days of your loan being approved.
Transparent Fees: All fees are made clear during borrowing, no surprise future fees.
Easy Repayment: Payment schedules are generally in line with your pay frequency.
Limited Availability: Not available in all US states
High Costs: APRs can be as high as 299%
Details
MoneyKey Loan
Terms & fees
Loan amount$200 - $2,500
Term6 months - 18 months
Annual interest rate199% - 599%
Origination fee$0
Monthly feesState-dependent
Requirements
Minimum age18
Minimum income$0
National bank requiredYes
National phone number requiredYes
Citizenship requiredYes
Electronic identificationYes
Features
Cosigner possibleNo
Revocation periodYes
Accept bad credit historyYes
Weekend payoutYes
Loan extensionsYes
Early paybackYes
Payment within 24 hoursYes
Loan brokerNo
Interest free loanNo
Additional fields
Payment hours8am-9pm ET
High approval rateNo
Recommended companyYes
MoneyKey is a reputable online lender offering a variety of financial solutions to individuals facing unexpected expenses.
The site offers a straightforward solution for those seeking financial assistance with short-term loans.
With a user-friendly online platform, MoneyKey provides quick access to installment loans, payday loans, and lines of credit, making it convenient for those facing unexpected expenses or emergencies.
Apply for a MoneyKey Loan NowHow We Rate MoneyKey
At Financer, all lenders go through a thorough research and review process. Here's how we rate MoneyKey:
| Category | Rating |
|---|---|
| Affordability | ⭐⭐⭐ |
| Application process | ⭐⭐⭐⭐ |
| Loan terms | ⭐⭐⭐⭐ |
| Transparency | ⭐⭐⭐⭐ |
| Customer support | ⭐⭐ |
| Overall | ⭐⭐⭐⭐ |
MoneyKey Overview
MoneyKey offers loans from $200 to $2,500 and APRs from 173%. They have flexible payment options and there are no minimum credit score requirements.
Borrowers have up to 12 months to pay and the approval process is very fast.
MoneyKey offers lines of credit and online personal loans in specific US states.
Here's a quick summary of MoneyKey:
| Overview | Features |
|---|---|
| Loan type: | Personal loans, line of credit |
| Loan amount: | $500 - $2,500 |
| Loan term: | Up to 12 months |
| APR: | 270% - 306% |
| Min. credit score: | None |
| Monthly fees: | None |
| Payout time: | One business day |
| Weekend payout: | No |
| Requirements: | At least 18 years oldU.S. citizenActive bank accountRegular incomeValid phone number and email |
Products Offered
MoneyKey offers the following:
Installment loans
Lines of credit
Installment Loans Through MoneyKey
MoneyKey offers or arranges installment loans, which have a broad borrowing range. Depending on the state you live in, you can borrow between $200 and $2,500 with easy repayment terms.
Repayment on Money Key loans usually starts on your next pay date and the remaining installment loan payments are set to line up with your pay frequency.
You can choose to pay off an installment loan through MoneyKey early without being charged extra fees.
Installment loans are available in Delaware, Idaho, Mississippi, Missouri, Texas, Utah, and Wisconsin.
Visit MoneyKey to get startedMoneyKey Line of Credit
A credit line is a flexible borrowing arrangement that allows you to access funds up to a predetermined limit set by the lender.
Moneykey offers lines of credit with limits ranging from $200 to $2,500 depending on your state and certain qualification criteria. If approved, you can withdraw funds as needed up to your credit limit.
With MoneyKey you can apply for a line of credit 24 hours a day. Keep in mind that the service is only available in Tennessee and Kansas.
How MoneyKey Works
MoneyKey is a direct online lender in most states. In Texas, MoneyKey arranges and services loans as a Credit Access Business.
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Installment loans and lines of credit through MoneyKey are offered to consumers who are typically underserved at traditional financial institutions.
Applying for an installment loan or line of credit through MoneyKey is easy and convenient, as it can be done 24 hours a day from the comfort of your home. MoneyKey also has a Customer Care team that can help you with your application during their operating hours when you need cash fast.
Loan Requirements
Be of legal age to contract in your state of residence
Be a U.S. citizen or a Permanent Resident
Have an active bank account
Have a regular source of income
Have a valid contact number and an active email address
Installment loans and lines of credit through MoneyKey are available in these states:
Delaware
Idaho
Kansas
Mississippi
Missouri
Tennessee
Texas
Utah
Wisconsin
Rates and Terms
The APRs of loan products offered through MoneyKey vary based on your state but in general, they can range between 270% and 306%.
Payment Terms
Repayment terms between six months and 12 months are available for installment loans. MoneyKey does not charge an origination fee for any of their loan products.
MoneyKey also does not charge a late fee if you miss a payment and there is no charge for early prepayments.
There’s no need to subject yourself to a lengthy, in-person experience as getting a loan through MoneyKey is hassle-free and convenient.
As an online lender and service provider, MoneyKey makes borrowing money fast and easy.
How Financer Rates MoneyKey
MoneyKey is a leading online lender and service provider, having built its reputation over the years on outstanding customer service and transparency.
MoneyKey makes all of its charges clear during the borrowing process and does not add additional fees for late payments.
You can contact MoneyKey’s Customer Care team to find out more about charges and the types of loans available in your state. Your state of residence may determine if you may apply for a line of credit or installment loan.
Responsible Lending
MoneyKey does not want to see you sink deeper into debt and therefore encourages responsible lending.
As with any loan, there are financial risks involved in taking out a loan or line of credit through MoneyKey. They should only be used when you’re temporarily short on cash, not as a long-term financial solution.
MoneyKey encourages you to read its loan terms and conditions carefully to ensure the loan is right for you.
It’s also important to ensure you:
Read the privacy policy. MoneyKey safeguards your personal information and has a privacy policy in line with industry standards.
Are able to repay the money according to your agreement.
Are not taking out a loan to pay off another loan.
Understand applicable fees/interest.
Support
We have had a good experience with MoneyKey's customer support. They can be reached via their online chat feature, or on their toll-free helpline and they’re well trained and friendly when assisting their customers.
We opened up the live chat (during their posted hours) and got connected to a representative immediately who helped us with general questions.
MoneyKey's email response times have been impressive with same-day communication.
Website
We love simplicity, both in functionality and design, and the MoneyKey site delivers on each of these fronts. It's easy to understand their website, and the loan application was very smooth.
It took us less than 10 minutes to fill out the application from beginning to end. They do a particularly good job of making every step clear and straightforward.
Customers can use the MoneyKey login directly from their home page via email and password. The website is straightforward and easy to navigate.
Does Financer recommend MoneyKey?
Yes, we do. This is one of the most popular lenders we have reviewed.
Their site and application process are streamlined and simple and provide reliable customer support.
As with any installment loan or line of credit, make sure you understand the interest rates/fees so that you can ensure you can afford to repay.
FAQs
How much can I borrow with MoneyKey?
Loan amounts and credit limits vary by state, but you can borrow between $200 and $2,000.
What are the rates?
Rates and fees will vary by state and you can see the different rates here.
Can I cancel my loan?
You can cancel your loan product through MoneyKey within three business days of the effective date of your agreement, without penalty. You can cancel by calling or emailing the Customer Care team.
How can I qualify for a loan?
You can read the loan requirements here.
Can I verify my bank statements electronically?
Yes, you can verify your bank statements electronically during the application process.
MoneyKey Alternatives
Here's a list of alternatives to MoneyKey and how they compare:
| Lender | Reviews | Loan Amount | APR | Max. Loan Term | Bad Credit? |
|---|---|---|---|---|---|
| 5KFunds | View | $500 – $35,000 | 5.99-35.99% | Up to 5 years | Yes |
| PersonalLoans.com | View | $500 – $35,000 | 5.99-35.99% | Up to 6 years | Yes |
| BadCreditLoans | View | $500 – $5,000 | 5.99-35.99% | Up to 2 years | Yes |
| CashUSA.com | View | $500 – $10,000 | 5.99-35.99% | Up to 6 years | Yes |
| Fast5KLoans | View | $500 – $35,000 | 5.99-35.99% | Up to 5 years | Yes |
Should you take a loan with MoneyKey?
MoneyKey has been around for quite a while and has proven to be a trustworthy lending platform where borrowers can get personalized loans and credit lines.
One of the best reasons for applying for a loan with MoneyKey is that the application process is done online and money is available fast.
Their customer service is responsive and they have a good feedback rating from past customers.
Read more MoneyKey reviews from customers below or add your own.
Apply for a loan now \u003eMore Money Personal Loan Reviews
What Users On the Web Are Saying
MoneyKey gets 4.6 out of 5 stars on TrustPilot, with users showing mixed feelings:
MoneyKey is quick to reply to reviews and seems to take customer service seriously, which is a positive feature for borrowers.
More User Reviews - Add Your Rating
Read more reviews on Financer from verified users below.
Have you used MoneyKey before? Leave your review now.
Our Commitment to Transparency
At Financer.com, we're committed to helping you with your finances. All our content abides by our Editorial Guidelines. We are open about how we review products and services in our Review Process and how we make money in our Advertiser Disclosure.
Latest Reviews
C
C31fe8656cc241
Upsides
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...
Downsides
I would highly recommend MoneyKey.
A
Abby61538
Upsides
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...
Downsides
Repayments start immediately and interest rates are quite high in comparison to other lenders.... I am still happy though.
F
Faraway27
Upsides
Trial convinces
Downsides
Not really bad
G
Grad.sad66
Upsides
Downsides
W
Wasimbusinessinfo
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That offer a great service
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Nothing
J
Jerrodsims82
Upsides
Easy to get money.
Downsides
Rates are horrible, Take 2 payments a month and barely touches the principle. This place is a con.
J
Jerrodsims82
Upsides
Easy to get money.
Downsides
Payments are ridiculous. Get charged twice a month and barely anything goes to the balance.
K
Kylelindsay2018
Upsides
Got money fast
Downsides
Interest way high 1500 for 500 insane rates
T
Tyronemay69
Upsides
the best money lending company i know highly suggest it
Downsides
the interest can be a little lower for us businessman
S
Soniiei667
Upsides
very flexibles terms
Downsides
the pricing should be more affordable
K
Kokoyestribor
Upsides
Very flexible terms
Downsides
high rates
R
Roni69.rv
Upsides
Downsides
K
Kumudi155
Upsides
Yes.This gives a good amount of money.This is my second loan from this company
Downsides
I have nothing wrong till now
S
Stevenflagg
Upsides
Very flexible terms, fast response, transparent policies and great customer support
Downsides
moderate to high rates, relatively new to the market
R
Randallboler
Upsides
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M
Medicgirl42
Upsides
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M
Michaelibarra45
Upsides
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...
Downsides
X
Xavierosanchez65
Upsides
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...
Downsides
J
Jeanette0028
Upsides
Komo was very helpful and professional.
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N
Nascar453
Upsides
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....
Downsides
M
Mamst2
Upsides
Very friendly & helpful, but I still have not received my money
Downsides
A
Anagarza07
Upsides
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...
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S
Sc1946355
Upsides
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...
Downsides
T
Tonymachado78
Upsides
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...
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G
Garlandspencer
Upsides
THEY WERE FAST AND VERY FRIENDLY.
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LBlack7011
Upsides
Simple and fast. I applied was approved money in account next day!
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D
Dkamalic
Upsides
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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...
A
Angelajholmes
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Never use this service
U
Us
Upsides
Short term loans from MoneyKey are pretty reasonably priced but there are cheaper options out there for longer term loans
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