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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.



About MoneyKey

MoneyKey was established in 2011 to help the underbanked and underserved population in the United States access online installment loans and lines of credit from as low as $200 to a maximum of $2,000. MoneyKey offers its services in 16 states in the United States of America. The company is a state-licensed direct online lender in Delaware, Idaho, Kansas, Mississippi, Missouri, New Mexico, Tennessee, Utah, and Wisconsin. The company is headquartered in Wilmington, Delaware, and is registered under the Financial Conduct Texas Authority (FCA) and Credit Service Organization (CSO). MoneyKey is committed to providing customers with quick unsecured loans. Even borrowers with less than perfect credit scores can quickly access MoneyKey loan products and repay in monthly installments. Since its inception, the direct lender has focused on offering online financial services via a range of easy-to-access loan amounts to its borrowers. Ideally, MoneyKey targets borrowers with a poor credit history or lower credit scores.

Pros and cons

MoneyKey offers short-term installment loans and lines of credit to customers who meet set criteria for these loan products. With flexible repayment plans, borrowers can access loan amounts from $200 to $2,000. Besides, the company does not charge additional fees if you pay off your loan on time. At the same time, MoneyKey provides fast funding, usually as soon as the same business day when you apply for a loan. While getting a loan can be a great way to get quick cash to sort out an emergency, the downside is that such quick loans usually attract very high interest rates. You are also likely to pay additional fees when you default on your loan repayment.


  • Faster access to money

  • The easy and convenient application process

  • Flexible bi-weekly, semi-monthly, or monthly payments, allowing borrowers to plan their repayments.

  • Good customer service, ensuring that your transactions go smoothly.


  • High APRs

  • Only operates in 16 states

Loan conditions

First-time loan borrowers can access loans from $200 regardless of the states where they come from and their credit scores. MoneyKey also allows borrowers to check and confirm the terms of the respective loans before they sign a loan agreement. Therefore, customers pay no additional hidden charges when taking a loan. However, repeat customers can only get a loan after repaying their first loans. In most cases, the company accesses one’s ability to repay the subsequent loans to increase the minimum loan amount they can access.

Moreover, MoneyKey rates and repayment terms vary in every state. The APR can go up to 294% in Delaware, depending on the loan information you give out during your application. APR for Idaho borrowers can go up 504%, with up to a ten monthly limit depending on the payment schedule one chooses, which can be semi-monthly, monthly, biweekly, or weekly. Borrowers get loans despite their income status as long as they can demonstrate that the loan is paid in time.

Funding a loan

Approval or denial of a loan depends on information that one gives during a loan application. MoneyKey usually approves loans within a business day. However, an installment loan can take up to two days to be approved and disbursed to your account. After approval of your loan, you will be able to access it from the bank account you provide during the loan application process. Usually, you will get your loan almost instantly if you apply for a payday loan compared to when you apply for a traditional personal loan.



What is MoneyKey?

MoneyKey offers a range of comprehensive loan products and services to its customers, even those with low credit scores. 

Who owns MoneyKey?

The Kyle family has privately owned MoneyKey since 1972.

How do you qualify for MoneyKey loans?

You qualify for a MoneyKey loan if you are above the age of 18, have proof of identity, and have an active bank account. However, qualifications also depend on the type of loan you apply for. For personal loans, you must be of 18 years and above, a permanent resident or citizen of the United States, and have an active bank account showing regular income. You do not require a credit score for payday loans and small installments loans.

Is MoneyKey a legitimate company?

Yes. MoneyKey is a legit financial services company that offers digital banking and payment solutions to individuals in the United States. The company is state-licensed to operate in 16 states.

Company documents

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What to focus on before applying for a loan with MoneyKey

To ensure the lender is legitimate, check if it meets the following criteria:

How do you know if a loan company is registered?

The lending company is registered with the US Securities and Exchange Commission (SEC) and has a tax identification number (EIN). Note that tribal lending companies operate under the jurisdiction of tribal laws, and they don't have to register with the SEC. But still, tribes must act under federal consumer protection laws enforced by the Consumer Financial Protection Bureau (CFPB) and Federal Trade Commission (FTC).

According to the FTC requirement, the lending company is registered in your state, excluding tribal lenders abiding by tribal and federal laws only. That is why tribal lending companies can charge interest rates exceeding your state's maximum.

Finally, the State Attorney General can verify the registration of the lending company if you need additional proof of whether it is legitimate.

If a US lending company scams you, please report to local law enforcement, your state attorney general, CFPB, or FTC.

Finanso® also recommends

Learn the total cost of a loan, including:

It will be best to read a loan agreement carefully before signing it. If any part of the agreement seems incomprehensible, do not hesitate to ask the lender about particulars.

Remember that you don’t have to make an immediate decision when considering getting a loan. However, you must be sure that you are ready to repay following your loan documents. If the lender’s terms and conditions are uncomfortable for you, you are free to search for another proposal, as there are about 780 lending companies in the US.

What’s the difference between MoneyKey and a bank?

  1. You need to have a good credit history to qualify for a credit card with a bank. In contrast, even bad credit history debtors can borrow money from US lenders with personal or payday loans. 
  2. Interest rates and annual percentage rate for a loan with an online lending company are significantly higher than with a credit card released by a bank.
  3. Applying for an online loan with a lending company doesn’t require paperwork or even visiting their office. Instead, a borrower can apply entirely online and receive money via direct deposit on the next business day.
  4. The online lending business is high-risk for investors, and their capital is not protected from unfair borrowers.
  5. A loan with legitimate loan companies for bad credit is a simple but expensive form of borrowing to resolve financial hardship.
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All MoneyKey’s reviews by October 2022
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