MoneyKey Loans in Huntsville (AL)

This page provides a detailed overview of all MoneyKey Loans in Huntsville (AL), including lending terms, interest rates and customer reviews. Compare offers and choose the best loan product for your needs.
Offers: 2
Rating by Finanso®

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
200.00 – 3500.00 $
Rating by Finanso®

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
200.00 – 2500.00 $

Interest rate

to 295.00 %

Loan term for the financial product

5 months – 12 months

How to Apply for a MoneyKey in Huntsville (AL)?

  1. Visit Website. Start by navigating to MoneyKey's official website and click on the "Apply Now" button to begin the application process.

  2. Complete the Application Form. Fill in the online application form with the required information, which may include personal details, employment information, and financial data.

  3. Submit Application. After completing the form, review your application to ensure all the provided information is accurate and then submit it for consideration.

  4. Verification Process. Await verification from MoneyKey’s Customer Care team, which may involve confirming your information to ensure accuracy and eligibility.

  5. Await Approval. If your application is submitted successfully and meets all requirements, wait for the approval decision. Approval times can vary, but MoneyKey aims for quick approval processes.

  6. Receive Funds. Upon approval, the requested funds will typically be deposited into your bank account as soon as the same business day, depending on the timing of your application and the specifics of your bank’s policies.

Conditions and Requirements


  1. Loan Amounts. MoneyKey provides from $200 to $2,500 for installment loans and up to $3,500 for a line of credit.

  2. Interest Rates. For installment loans, the APR ranges from 290.89% to 401.2%. For the Line of Credit, interest is applied to the amount used rather than the total credit amount, at a daily rate of 0.8000% or an APR of 292%.

  3. Repayment Schedule. Repayment terms vary by the type of loan and state regulations. The installment loan include the option to make bi-weekly, semi-monthly, or monthly installments over a loan term ranging from 6 to 12 months. For the line of credit the flexibility to request draws as needed from your available credit, and the loan term is open-ended.

  4. State Availability. Installment loans are available in DE, ID, MS, MO, TX, UT, and WI. CC Flow Lines of Credit can be obtained in AL, AK, AZ, AR, FL, HI, IN, KY, LA, MI, MN, MT, OK, and WY.


  1. US Citizenship or Residency. Borrowers must be a US citizen or a permanent resident to qualify for a loan.

  2. Legal Age. Applicants must be of legal age to contract in their state of residence.

  3. Residency. Must be a resident in the state where MoneyKey's loan products are offered.

  4. Bank Account. An active bank account is required for the direct deposit of loan funds and subsequent loan repayment.

  5. Regular Income. Proof of a regular source of income is necessary to ensure the capability of repaying the loan.

  6. Contact Information. Applicants must provide a valid contact number and an active email address for communication purposes.


Keeping your Debt-to-Income (DTI) ratio below 30-40% of your monthly income is crucial. This will help you avoid potential financial problems in the future. Additionally, always assess the necessity and feasibility of taking a loan, ensuring you can comfortably manage its repayment.

How to Choose a Lender

  1. Make sure to confirm whether the lender is licensed to operate in your state. You can verify this information with your state regulator or attorney general.

  2. Check if the lender is a member of a reputable association, such as the Community Financial Services Association of America. Membership in such organizations may provide an extra level of reliability.

  3. Carefully review all the terms and conditions of your payday loan contract.

  4. Thoroughly examine the interest rates on payday loans and ensure that your contract includes a detailed breakdown of the total cost of the loan.

  5. Take advantage of your right of rescission. Usually, you can rescind the loan within three days after signing the agreement. Alternatively, there is typically a "cooling-off" period, which allows you several days to thoroughly review the contract before making an informed decision to enter into a consumer loan agreement based on the terms specified by the lender.

  6. Choosing a payday lender is a significant decision that demands careful consideration and a good understanding of how such organizations operate.

Additional Resources

Other Loans in Huntsville (AL)