MoneyKey Loans isn't available on Finder right now.
Fast emergency loans and lines of credit with extremely high rates, only for borrowers with no better options
MoneyKey has two products: installment loans up to $2,500 and lines of credit up to $3,500 (the latter through CC Flow, a division of Capital Community Bank). Installment loans give you a lump sum repaid over five to 12 months. Lines of credit let you draw what you need and only pay interest on what you use. You can get funded as soon as the same business day, and applying is simple.
The catch: APRs run 249% to 295%, depending on your state and product, some of the highest rates out there. MoneyKey is up front about the costs, but these rates mean this should be a last resort for true emergencies when you have no other options and a solid plan to pay it back fast.
Best for: Emergency borrowers with poor credit who can repay quickly.
Yes, MoneyKey is a legitimate online lender that has been operating since 2011. The company is a direct lender in several states and also services the CC Flow Line of Credit offered by Capital Community Bank, a Utah chartered bank and an FDIC member. MoneyKey states it protects customer information according to industry standards, including SSL encryption.
MoneyKey is not accredited by the Better Business Bureau (BBB), where it holds a B rating. On Trustpilot, MoneyKey has high ratings from over 4,000 reviews.
However, while the company is legitimate, the extremely high interest rates mean you should exhaust other borrowing options first.
| Minimum credit score | No minimum disclosed; considers bad credit |
| APR | Up to 295% depending on state |
| Loan amount | $200 to $2,500 (varies by state) |
| Terms | 5 to 12 months |
| Approval turnaround | Minutes to approve; same business day funding possible |
| Availability | Only available in: Delaware, Idaho, Illinois, Mississippi, Missouri, Texas, Utah, Wisconsin |
| Fees | Application/Origination: None Prepayment: None Late or NSF penalties: No late fees |
| MoneyKey LOC | CC Flow LOC | |
|---|---|---|
| APR | 292% | 249% |
| Credit limits | $200 to $2,500 | $250 to $3,500 |
| Terms | Open-ended (draw as needed) | Open-ended (draw as needed) |
| Approval turnaround | Same business day funding possible | Same business day funding possible |
| Availability | Kansas, Tennessee, Missouri | AL, AK, AR, AZ, FL, ID, IN, HI, KY, LA, MI, MT, OH, OK, SC, TX, WY |
| Minimum payments | Required based on pay frequency | Required based on pay frequency |
| Fees | None stated | None |
| Phone number | 866-255-1668 |
| customer service hours | Weekdays: 8 a.m. to 9 p.m. ET Weekends: 10 a.m to 6 p.m. ET Holidays: 9 a.m. to 5 p.m. ET |
| customercare@moneykey.com | |
| X, formerly Twitter | @moneykeyonline |
| MoneyKey |
Use our personal loan calculator below to see how much a loan from MoneyKey or other lenders might cost you monthly. Note that for lines of credit, your monthly payment will vary based on how much you’ve drawn and your outstanding balance.
|
Your loan
|
|---|
| Loan amount |
|
$
|
| Loan terms (in years) |
|
|
| Interest rate |
|
%
|
or
Compare more lenders| Principal | $ |
|---|---|
| Interest | $ |
| Total Cost | $ |
To qualify for either an installment loan or a line of credit through MoneyKey, you must meet these basic requirements:
Currently, no credit products offered through MoneyKey meet the requirements to lend to covered members of the US Armed Forces and their dependents.
Applying for a MoneyKey loan or line of credit takes just a few minutes online, though you’ll need to verify information with customer care. Here’s the process:
We currently don't have that product, but here are others to consider:
How we picked theseThe Finder Score crunches 3+ types of short-term loans across 65+ lenders. It takes into account the product's interest rate, fees and features, as well as the type of loan eg investor, variable, fixed rate - this gives you a simple score out of 10.
To provide a Score, we compare like-for-like loans. So if you're comparing the best short-term loans for all credit types, you can see how each short-term loan stacks up against other short-term loans with the same borrower type, rate type and repayment type.
| BBB accredited | No |
|---|---|
| BBB rating | B |
| BBB customer reviews | 2.59 out of 5 stars, based on 100 customer reviews |
| Trustpilot Score | 4.4 out of 5 stars, based on 4,715 customer reviews |
| Customer reviews verified as of | 22 February 2026 |
MoneyKey is not BBB accredited and holds a B rating from the Better Business Bureau. Customer complaints on the BBB cite high interest rates, confusing billing practices and aggressive collection calls. Some reviewers describe feeling misled about rates or trapped in debt cycles. Several complaints specifically mention confusion about the line-of-credit billing cycles and minimum payment calculations.
On Trustpilot, MoneyKey fares better, with thousands of reviews. Positive reviews praise the fast application process, same-day funding and helpful customer service representatives. Some reviewers specifically appreciate having both loan and line-of-credit options. Negative reviews focus on the high costs, with some borrowers surprised by how much they end up repaying, particularly on lines of credit where interest compounds daily.
Several users specifically warn about lines of credit, noting how easy it is to keep drawing funds and accumulate debt at 292% APR. Most Reddit discussions warn others to avoid MoneyKey unless absolutely necessary, emphasizing that the high costs can quickly spiral out of control.
Lacey Finder
Writer
Hi there, looking for more information? Ask us a question.
You are about to post a question on finder.com:
Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our finder.com Terms of Use and Privacy and Cookies Policy.
This site is protected by reCAPTCHA and the Privacy Policy and Terms of Service apply.