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Overview - MoneyKey

MoneyKey offers payday loans, installment loans and lines of credit to consumers who are typically unable to qualify for loans at traditional financial institutions. Below are a few of the many advantages of choosing MoneyKey for your borrowing needs:

  • Broad Loan Range:$200 to $1,000. Borrowing is fast and easy, amount depends on your state
  • Next Day Funding: Funds deposited in your bank account as soon as the next business day
  • Early Repayment Option: Pay off your loan early without being charged extra
  • Hassle-Free Cancellation: No fee for canceling your loan within 3 days
  • Transparent Fees: All fees are made clear during borrowing, no surprise future fees
  • Easy Repayment: Payment schedules that are in line with your pay frequency, varies by state

MoneyKey - Summary & info

MoneyKey is a direct online lender in most states. In Texas, MoneyKey arranges and services loans as a Credit Access Business. Applying for a MoneyKey loan 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 when you need cash fast.

Loan requirements

  • Be of legal age to contract in your state of residence
  • Be a US 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

How it Works

  1. Submit an online application form or call to apply over the phone.
  2. Once approved, review and sign your loan agreement.
  3. Receive your funds as early as the next business day.
  4. Repay your loan on the due date(s) in your agreement.

MoneyKey Convenience

Today, there’s no need to subject yourself to this experience as getting a loan should be hassle-free and convenient, not stressful. As an online lender, MoneyKey makes borrowing money fast and easy. There’s no lengthy application process. You can apply for a MoneyKey loan online at any time that’s convenient for you. Simply fill out an online form or just call to apply.

MoneyKey Transparency

MoneyKey is a leading online lender, building its reputation over the years on outstanding customer service and transparency. People search for lenders they can trust and MoneyKey is committed to integrity. MoneyKey makes all of its loan fees clear during the borrowing process and does not surprise you with additional fees weeks or months later.

  • You can contact MoneyKey’s Customer Care team to find out more about fees and the types of loans available in your state. Your situation may call for a Payday Loan, Line of Credit or Installment Loan.

MoneyKey Payday Loan, Installment Loan, Line of Credit

A MoneyKey Payday Loan can come in handy when you’re short on funds between paychecks. The maximum amount you can receive in a Payday Loan is $1,000. Payday Loans are designed to be repaid on your next pay date.

The duration of a MoneyKey Payday Loan is 8 to 31 days, with 8 days being the minimum loan period and 31 the maximum.  Your Payday Loan will be due during this period depending on when you receive your income.

MoneyKey also offers Installment Loans, which have a broad borrowing range. Depending on the state you live, you can borrow between $150 and $2,600 with easy repayment terms.

Repayment 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 a MoneyKey Installment Loan or Payday Loan early without being charged extra fees.

You may also be able to qualify for a 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 control over your cash flow and payment options. Once approved, you can withdraw funds as needed up to your credit limit. For MoneyKey, the credit limit ranges from $200 to $1000, depending on your state and certain qualification criteria. You’ll have to make your minimum monthly payment and you only pay interest on the amount of credit you use.

MoneyKey Responsible Lending

MoneyKey does not want to see you sink deeper into debt and therefore encourages responsible lending. There are financial risks involved in taking on any loan. 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 within the loan term.
  • Are not taking out a loan to pay off another loan.
  • Understand applicable fees and interest. Remember that extending the term of a loan may result in additional fees/interest.

Reviews from customers

Lisa B
January 18, 2019
Simple and fast. I applied was approved money in account next day!
Michael Ibarra
March 21, 2019
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 . SHE WAS VERY KNOWLEDGEABLE AND EXPLAINED EVERYTHING IN VERY SIMPLE TERMS. HEATHER I SALUTE YOU!!!
Sonja Starks
February 20, 2019
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. Go to the place I went to which is money key. Payments. Are not bad they fit my budget really good. So in all aspects. Thank you! Money tree for all you've done for me. I appreciate you alot.

Why MoneyKey?

  • $150 to $2,600. Borrowing is fast and easy, amount depends on your state
  • Funds deposited in your bank account as soon as the next business day
  • Affordable rates and easy online application
  • Payment schedules that are in line with your pay frequency, varies by state
Apply for loan »

No commitments! This won't affect your credit score!

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Reviews - Read Customer Reviews of MoneyKey

  1.   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 . SHE WAS VERY KNOWLEDGEABLE AND EXPLAINED EVERYTHING IN VERY SIMPLE TERMS. HEATHER I SALUTE YOU!!!
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  2.   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. I got Toni Ann and she explained all of my questions in detail. I told her that I was not normally drawn to these loan companies, but she made an otherwise complicated experience quite agreeable. I only wish that other companies could be as accommodating.
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  3.   Komo was very helpful and professional.
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  4.   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. Go to the place I went to which is money key. Payments. Are not bad they fit my budget really good. So in all aspects. Thank you! Money tree for all you've done for me. I appreciate you alot.
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  5.   Very friendly & helpful, but I still have not received my money
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  6.   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 money key.
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  7.   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 was comfortable with the loan requested. Thank You. MoneyCare Team.
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  8.   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 with complicated credit , it's a decent choice.
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  9.   THEY WERE FAST AND VERY FRIENDLY.
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  10.   Simple and fast. I applied was approved money in account next day!
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  11.   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 really make you go through the "rig-a-ma-role" by having you first apply online, then they go through all the information again on the phone - then you have to call your bank on a 3-way conversation to verify the account, etc. I have never had a loan from any other place that made a person go through all of that. And I also think the web site is "bare bones" and does not show you all your past payments, etc. I would say is - just proceed with caution, and maybe consider this your last choice when getting an installment loan.
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  12.   Never use this service
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  13.   Short term loans from MoneyKey are pretty reasonably priced but there are cheaper options out there for longer term loans
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