in Personal Lines of Credit

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Where does MoneyKey do business?

MoneyKey is a direct lender based in Wilmington, DE. It was founded in 2011 and offers personal lines of credit in 3 states across the USA.

What are the APRs offered via MoneyKey?

MoneyKey offers a fixed APR personal line of credit that ranges from 24% up to 399%.

Does MoneyKey charge an origination fee?

No, MoneyKey does not charge an origination fee.

An origination fee is what some lenders charge for processing, underwriting, and funding a line of credit. These fees can range from 0.5% to 5% of the line of credit amount. Whenever possible, go with lenders that don’t charge origination fees.

Does MoneyKey charge a cash advance fee?

Yes, MoneyKey charges a fee of 10% to 15% of the amount of each cash advance..

Does MoneyKey charge a late fee?

Yes, MoneyKey may charge borrowers a late payment fee.

Does MoneyKey charge prepayment fees?

No, MoneyKey does not charge prepayment fees. This means you will not have to pay additional fees if you decide to pay the line of credit off and close the account.

How much can you borrow via MoneyKey?

Personal lines of credit start at $200 and go up to $1,000.

What do you need to qualify for a line of credit with MoneyKey?

Applicants with a credit score of at least 300 can apply for a line of credit via MoneyKey. The minimum age to apply for a line of credit is 18 or the state minimum, whichever is higher.

MoneyKey will also consider borrowers who are unemployed.

Active duty servicemembers and their covered dependents cannot apply for a line of credit via MoneyKey. The Military Lending Act prohibits lenders from charging servicemembers more than a 36% APR.

Only U.S. citizens and permanent residents can apply for a line of credit.

To qualify, applicants may need to provide the following documentation:

  • Applicants must have an active and valid checking account
  • Recent pay stubs
  • Proof of income

What is the estimated funding time for a personal line of credit via MoneyKey?

MoneyKey will typically approve (or deny) a line of credit application within 24 hours and fund personal lines of credit within 2 business days of approval.

Does MoneyKey report payments to credit bureaus?

MoneyKey may report credit data to the following credit reporting agencies:

  • Equifax
  • Experian
  • Transunion
MONEYKEY Disclosure: MONEYKEY Disclosure: Product availability varies by state. To see loan products offered in your state of residence, please visit our Rates and Terms page ( The date and time the funds are made available to you by your bank is subject to your bank’s policies. MoneyKey is a state licensed online lender, in the states of Alabama, California, Delaware, Illinois, Kansas, Mississippi, Missouri, New Mexico, Utah. MoneyKey-OH is licensed as a Credit Services Organization (CSO) by the Ohio Department of Financial Institutions, Department of Commerce: CS.900134.000. MoneyKey-TX, Inc. is licensed as a Credit Access Business (CAB), License No. 16641-62815, by the Office of the Consumer Credit Commissioner and registered as a Credit Services Organization (CSO), Registration No. 20110150, by the State of Texas. All loans in which MoneyKey acts as a CAB/CSO are funded by an unaffiliated third-party lender and serviced by MoneyKey. In the State of California, MoneyKey - CA, Inc. is licensed by the Department of Business Oversight pursuant to a California Finance Lenders Law License, License No. 60DBO43590 and a California Deferred Deposit Transaction Law License, License No.1004516.
SUPERMONEY Disclosure: is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...


  • Headquarters
  •   3422 Old Capitol Trail Suite 1613
    Wilmington, DE 19808 USA
  •   Visit Site

Message from MoneyKey

A MoneyKey online Line of Credit provides you with the benefits of a traditional loan, but allows you to have more control over your cash flow. Once approved, you can borrow any amount up to your available credit limit. When you pay down the principal balance of your Line of Credit, you can continue to access the remaining credit available up to your credit limit.

Other Services by MoneyKey


Alaska Alabama Arkansas Arizona California Colorado Connecticut Washington, D.C. Delaware Florida Georgia Hawaii Iowa Idaho Illinois Indiana Kansas Kentucky Louisiana Massachusetts Maryland Maine Michigan Minnesota Missouri Mississippi Montana North Carolina North Dakota Nebraska New Hampshire New Jersey New Mexico Nevada New York Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Virginia Vermont Washington Wisconsin West Virginia Wyoming
  Available in 3 states
  • Kansas
  • Maryland
  • Missouri

Feature Breakdown

No Origination Fee  
No Prepayment Fee  
Cash Advance Fee (%) 10% - 15%
Minimum Payment $15
Minimum Age 18
Credit Score Range 300 - 700
850 300 700
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Bank Account Required  
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
  • Unemployed
Military Status
  • Non-Military
  • Veterans
Supported Income Types
  • 1099 Misc. Income
  • Cash
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
Joint Loan Applications Accepted
  • Individual Applications
Verification Documents Required
  • Proof of Income
  • Recent Pay Stubs
Loan Amount $200 - $1K
APR (Fixed APR) 24% - 399%

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