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MoneyKey Overall rating: ★★☆☆☆ 2.3 based on 10 reviews.
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Online Payday Personal Consumer Loans up to $5,000

Easy Application, Fast Processing, Quick Approval, Any Credit Score

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MoneyKey is a direct online lender that started in 2011 and offers borrowers with less-than-perfect credit scores access to fast cash. MoneyKey is part of the CC Flow division of Capital Community Bank in Provo, Utah. The company serves customers in 9 states. Their values are Urgency, Respect, Extraordinary Service, Excellence, and Integrity. MoneyKey also provides its customers with a wealth of resources through its website, including numerous articles and the online blog, which gives financial advice and tips to help people with budgeting and even choosing the most suitable lender.

Company name MoneyKey, Inc
Founded 2011
Address Street Suite 1200 Wilmington, DE 19801
Phone number
moneykey website


  • Direct lender
  • Easy online application
  • Fast funding, as soon as the same business day
  • No additional fees for early repayment
  • Financial education resources
  • Experienced company
  • Bad credit accepted
  • Transparent fees
  • Easy repayment
  • Broad loan range
  • Hassle-free cancellation
  • Great mobile app


  • APRs can be as high as 299%
  • Offer no payday loans
  • Not accredited by the Better Business Bureau
  • Controversial user reviews
  • Only available in 9 states

Bottom line

MoneyKey is one of the most popular online lenders and service providers. The lender has built its reputation over many years on excellent customer service and transparency. Even if you have bad credit, you may still qualify for a loan with this lender. But MoneyKey installment loans come with very high interest rates.  Make sure you research all of your available options. If you still apply with MoneyKey for a high-cost installment loan, make sure you fully understand the loan rates and terms and are able to make your payments on time.

Types of loans

MoneyKey offers the following loan types:

  1. Installment loans;
  2. Lines of credit.

An installment loan is a type of loan where you borrow a predetermined amount of money all at one time. You then repay the loan over a fixed number of installments over months.  Installment loans can be used for various financial emergencies, such as medical treatment, home improvement, auto repairs or job losses. Loan amounts range from $150 to $3,500 with repayment terms of 5 to 18 months. The APRs of loans offered through this online platform vary based on your state but they typically range between 270% and 299%.

A line of credit is a type of loan that provides borrowers money they can draw from as needed. The credit limit ranges from $200 to $2,000, depending on your state and certain qualification criteria. The MoneyKey Line of Credit is available in Tennessee and Kansas.

Eligibility criteria

To qualify for a loan with MoneyKey, you must typically meet the following requirements:

  1. Be of legal age in your state of residence;
  2. Be a U.S. citizen or a permanent resident;
  3. Have a steady source of income;
  4. Have an active bank account in your name;
  5. Have a phone number and email address.

Category: Online Loans

Tags: Delaware, Idaho, Kansas, Mississippi, Missouri, Tennessee, Texas, Utah, Wisconsin

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MoneyKey Reviews

Started loan process but got suspicious when MoneyKey asked for gift cards.. Not recommended!
- Rose Lewis

The entire process was easy for me. It was done quickly and the man I talked with was very nice. Pleasant experience.
- Anthony Coyer

Crazy interest!!! I will never use this company again nor will I recommend them to anyone! Worst lender!!
- Brandy Ferguson

MoneyKey sends out pre-approved letter then when you go to sign up they deny you!!
- Audrey Salmo

If you use them as a short term loan and repay them on time you will be ok.
- Peter Peeples

Interest is horrible high, they are going to screw you over is a worse way. Terrible company!! Don’t ever use them.
- Debra Miller

Back in January of 2022, I got a $300 loan from Moneykey. Now no one explained to me that they would be charge me basically every day for fees. I’ve made several payments. But instead of my loan coming down, it’s going up and up and up!!!! So now it’s at $432 as if I never made any payments. They can’t even explain why they are adding every day fees. Total scam!!
- Dennis Ross

The fees are insane! While every 2 or 3 days, they keep adding on to my balance. This makes it almost impossible to repay this loan. BEWARE!! Not recommended.
- Mack Montgomery

So far it has been a great experience. It was fast and easy an the approval was amazing. I needed $800 right then and they helped me!
- Mary Young

I just feel like the interest is extremely high. It takes a while to repay the loan because fees are so high. I just keep using this lender because I am an established client. I just wish the fees would go down.
- James Meeks

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