29 Reviews

Interest & Costs

Flexibility & Terms

Website & Functionality

Support & Service

  • Installment loans and lines of credit from $200 to $2,500
  • Fast funding, as soon as the same business day
  • Quick online process
  • No early repayment penalty fees
Pros & Cons
  • Easy online loan application
  • Fast funds payout
  • MoneyKey is a direct lender
  • Not available in all US states
Author  Abraham Jimoh
Last updated: November 14, 2023
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.

MoneyKey Review

MoneyKey is a direct lender founded in 2011. In Texas, MoneyKey arranges and services loans as a Credit Access Business / Credit Services Organization.

MoneyKey offers loan products to underserved consumers in 9 states across the U.S.

Over time, it has proven to be one of the most popular lenders in the states where they do business.

How We Rate MoneyKey

At Financer.com, all lenders go through a thorough research and review process. Here’s how we rate MoneyKey:

Application process⭐⭐⭐⭐
Loan terms⭐⭐⭐⭐
Customer support⭐⭐

Do We Recommend MoneyKey?

Yes, we recommend MoneyKey as a reliable lending marketplace. Skip to our full review below to see how we rate MoneyKey.

      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:

      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 old
      U.S. citizen
      Active bank account
      Regular income
      Valid phone number and email
      Chosen 31,219 times
      • Installment loans and lines of credit from $200 to $2,500
      • Fast funding, as soon as the same business day
      • Quick online process
      • No early repayment penalty fees

      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.

      MoneyKey Line of Credit

      A line of credit is an open-ended loan that gives you all the benefits of a traditional loan; however, you have flexibility over how much you draw at a time.

      With MoneyKey you can apply for a line of credit 24 hours a day. The MoneyKey Line of Credit is available in Tennessee and Kansas.

      If approved, you can withdraw funds as needed up to your credit limit. For MoneyKey, the credit limit ranges from $200 to $2,500, depending on your state and certain qualification criteria.

      If you have an outstanding balance, you’ll have to make your minimum payments and you only pay interest charges on the amount of credit you use.

      MoneyKey Pros and Cons


      • APRs can be as high as 299%.

      How MoneyKey Works

      MoneyKey is a direct online lender in most states. In Texas, MoneyKey arranges and services loans as a Credit Access Business.

      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.

      How To Apply for a Loan Through MoneyKey

      Step 1

      Apply online

      Submit an online application form on the MoneyKey website.

      Step 2

      Review and sign

      Once completed, review and sign your loan agreement.

      Step 3

      Get approved

      If approved, you will receive your funds as early as the same business day.

      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.

      Chosen 31,219 times
      • Installment loans and lines of credit from $200 to $2,500
      • Fast funding, as soon as the same business day
      • Quick online process
      • No early repayment penalty fees

      How Financer.com 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.


      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.


      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.com 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.


      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:

      LenderReviewsLoan AmountAPRMax. Loan TermBad Credit?
      5KFundsView$500 – $35,0005.99-35.99%Up to 5 yearsYes
      PersonalLoans.comView$500 – $35,0005.99-35.99%Up to 6 yearsYes
      BadCreditLoansView$500 – $5,0005.99-35.99%Up to 2 yearsYes
      CashUSA.comView$500 – $10,0005.99-35.99%Up to 6 yearsYes
      Fast5KLoansView$500 – $35,0005.99-35.99%Up to 5 yearsYes

      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.

      More 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.com from verified users below.

      Have you used MoneyKey before? Leave your review now.

      Was this article helpful?

      Be the first one to give feedback

      Reviews of MoneyKey

      MoneyKey is rated 87 out of 316 companies in total rating and got an average review score of 3.9 based on 29 reviews. Their weakness is Interest & Costs and their strength is Support & Service.
      Customer reviews
      Filter reviews Close Icon
      All reviews
      Loan reviews
      Sort by Close Icon
      Best rated
      Worst rated
      Most helpful
      Karla Callahan 3 reviews | December 3, 2023
      General Review
      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 was great.
      I would highly recommend MoneyKey.
      Post reply
      Abby May 6 reviews | November 12, 2023
      General Review
      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 everything for me to understand.
      Repayments start immediately and interest rates are quite high in comparison to other lenders.... I am still happy though.
      Post reply
      Soliz Cheyenne 1 review | August 22, 2023
      General Review
      Trial convinces
      Not really bad
      Post reply
      Clark Johnson 1 review | October 3, 2022
      General Review
      MoneyKey SupportPartnerDecember 23, 2022

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

      Post reply
      Wasim Mazumder 1 review | September 1, 2022
      General Review
      That offer a great service
      MoneyKey SupportPartnerDecember 23, 2022

      Hey Wasim, 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.

      Post reply
      Neutralizer82 2 reviews | May 27, 2022
      Personal Loan Review
      Easy to get money.
      Rates are horrible, Take 2 payments a month and barely touches the principle. This place is a con.
      Post reply
      Neutralizer82 2 reviews | May 27, 2022
      Personal Loan Review
      Easy to get money.
      Payments are ridiculous. Get charged twice a month and barely anything goes to the balance.
      Post reply
      Kyle Lindsay 1 review | May 15, 2021
      Personal Loan Review
      Got money fast
      Interest way high 1500 for 500 insane rates
      Post reply
      tyrone may 1 review | April 30, 2021
      General Review
      the best money lending company i know highly suggest it
      the interest can be a little lower for us businessman
      Post reply
      sonn nies 1 review | April 29, 2021
      General Review
      very flexibles terms
      the pricing should be more affordable
      Post reply
      Load more reviews

      Rate & Review MoneyKey

      Not convinced?

      Visit their official website and learn more about MoneyKey

      We use cookies to give you the most relevant experience. By using our site, you accept all cookies and our privacy policy. To find out more about what cookies we use you can go to privacy overview