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From the business
Installment Loans and Lines of Credit between $200-$3,500
MoneyKey is an online lender and service provider.
Apply online and verify your information; the process is quick1. If your application is approved, you may receive funds the same business day2.
MoneyKey is a state-licensed direct lender in Delaware, Idaho, Kansas, Mississippi, Missouri, Tennessee, Utah and Wisconsin. In Texas, MoneyKey is not the direct lender but is licensed as a Credit Services Organization and a Credit Access Business. In this state, loans are funded by third-party lenders and serviced by MoneyKey.
The CC Flow Line of Credit is provided by CC Flow, a division of Capital Community Bank, a Utah Chartered bank, located in Provo, Utah, Member FDIC. The CC Flow Line of Credit is serviced by MoneyKey.
1Not all applications are approved; duration of process may vary.
2If approved, any requested funds may typically be deposited into your bank account the same business day. For specific funding cut-off times here.
MoneyKey Reviews Summary
MoneyKey has garnered a mixed reputation, with many customers praising its efficient service and supportive customer representatives who provide clear explanations of loan terms. Users appreciate the quick access to funds and the flexibility in repayment options, often highlighting the professionalism and patience of staff. However, concerns arise regarding high fees and the complexity of repayment structures, leading some customers to feel misled. Additionally, there are reports of unauthorized transactions and account freezes, which have contributed to skepticism about the company's integrity. Overall, while MoneyKey is recognized for its customer service, potential borrowers should be cautious and fully understand the terms before proceeding.
This summary is generated by AI, based on text from customer reviews
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I NEEDED A PERSONAL LOAN TO HELP PAY SOME OF MY BILLS. MONEY AND CC FLOW APPROVED A LOAN FOR ME FOR $1,400. THE PROCESS WAS COMPLICATED BUT INSTRUCTIONS HELPED. I RECEIVED THE LOAN WITHIN 48 HOURS OR LESS, IN TIME TO GET BILL PAID AND MY CHECKING ACCOUNT RESTORED. THANK YOU
Works ok if ya pay extra to get out of it as the fees add up quickly. But transactions are very smooth
Overall, the MoneyKey process was easy to complete and submit to the bank for its review. However, the automated review that is listed may not be enough to get an application accepted, so even if the online process verifies your banking information, you may need to take an extra step and call MoneyKey customer service directly to have your information verified. The stress of adding this extra step without a quick decision (it may take from 24-48 hours) was very frustrating, which is the reason for my 4 star review grade. Once approved, the process to receive funds is very quick and simple. The phone center staff is very helpful with any questions the consumer might have and funds were available in about one business day.
Getting a loan thru is simple and fast.And they our very nice when talking to them, they answer you're. Question fast.
I appreciate all you have done with my finances when I needed your fast response with my funds request and the on time deposit. Thank you again for all you have done in my financial aid.
This is the third time I have used my credit line and it has been a great experience. I found them easy to work with and they give you a certain amount of comfort when you need.
Thank you! I really needed money for emergency expenses so I found this site and they help so quick quicker then I thought! Thanks again!
I love how they give you a limit and let you slowly withdrawal from it if you need to kind of like a credit card. This is the best cash advance app I've ever tried.
I love MoneyKey for short term crisis that you know that you can repay quickly. This is not a loan for you if you can not have a quick turnaround time for payoff as interest and fees will not make it a benefit for you. They have a great platform that is user friendly.
This is a very helpful, polite and friendly company. The people you talk to on the phone sound like they really care and want to help and ensure that you clearly understand everything as you proceed step by step. The company is fast to help and true to their word
MoneyKey is awesome financial resource there when you need it. The approval process was simple and straightforward, and it's very easy to access your line of credit. The website is user friendly, you can request a withdrawal and make payments effortlessly. Highly recommend!
My experience with Moneykey has been a positive and beneficial one. The payments are very affordable. They make it so easy to pay extra towards your balance, when you are actually able to do so in this economy. I would definitely recommend this company in your time of financial need.
Loan was easily acquired.received it the next day. Will definitely use again if I find myself in another tight spot.
It's always a pleasure to speak to any of the representatives. I have had 2 increases in my limit with ease. I'm always know I'm in good hands and I'm so grateful for that. That is so hard to find in today's world. Thank you Moneykey you are the best 🥰
It's nice to have the open line of credit- if I am needing some extra cash, I just log in and get what I need! So simple!
Received money same day person was very experienced in what my needs were. Very pleasant to work with.
The department team I spoke with was professional, answered all questions
That I had and gave me a solution and options. I liked that.
The percentage rate amd charges are not clear and conspicuous and extremely
Misleading. I'm
On year two of paying a 1500 dollar loan and I've only
Paid Down 500 dollars. They charge a ridiculous amount of fees and very little
Goes to principal and at the same time enticing you to withdraw more funds from available balance so you can never get out of debt.
When you need money they freely give the loan to you but your payment is a 120 dollars and they put 20 dollars to the principal only and 100 towards the interest. You never going to pay this off unless you get some money and paid the whole loan off. They are a RIP OFF.
Hello Theresla,
We appreciate you sharing your concerns and we take them seriously.
Please note that although each minimum payment includes a contribution to the principal balance, additional payments can also be made without prepayment penalties.
We always encourage customers to make additional payments to help pay down their balance faster as doing so will help reduce the overall cost of borrowing. Payments can be made online or over the phone.
If you have any further concerns, please feel free to contact us at [email protected]. Thank you.
Application was very easy and approval was fast, no hassles and would recommend it to friends and family.
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- SmartCustomer’s sole mission is to increase online transparency for buyers and businesses
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- Suspicious reviews are flagged by our algorithms, moderators, and community members
- SmartCustomer’s sole mission is to increase online transparency for buyers and businesses
- SmartCustomer has helped over 200M buyers make better purchasing decisions online
- Suspicious reviews are flagged by our algorithms, moderators, and community members
Hello Alma,
Thank you for taking the time to leave a review. Please note that at MoneyKey, transparency is important to us. Details about cost of borrowing can be found in disclosures provided during the application process.
Please also note that although each minimum payment includes a contribution to the principal balance, additional payments can also be made without prepayment penalties.
We always encourage customers to make additional payments to help pay down their balance faster as doing so will help reduce the overall cost of borrowing. Payments can be made online or over the phone.
If you have any further concerns that we can help with, please email us at [email protected]. Thank you.