MoneyKey Line of Credit
MoneyKey Line of Credit
in Personal Lines of Credit from MoneyKey Inc.

MoneyKey Line of Credit

in Personal Lines of Credit from MoneyKey Inc.
SuperMoney Net Recommendation Score 0  


This product is mostly not recommended by SuperMoney users with a score of 0, equating to 3 on a 5 point rating scale.


Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

Mostly recommended

2 users recommend
1 user is unsure
2 users don't recommend
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MoneyKey Line of Credit Review

MoneyKey Line of Credit is offered by MoneyKey Inc., a direct lender founded in 2011 and based in Wilmington, DE. MoneyKey Line of Credit is available in 2 states across the USA.

MoneyKey Line of Credit FAQ

What APRs does MoneyKey Line of Credit offer?

MoneyKey Line of Credit offers a fixed APR product that ranges from 280% APR up to 292% APR.

Does the MoneyKey Line of Credit charge an origination fee?

No, MoneyKey Line of Credit 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 the MoneyKey Line of Credit charge a cash advance fee?

No, MoneyKey Line of Credit doesn't charge a cash advance fee. Some lenders charge a cash advance fee every time borrowers withdraw cash from their line of credit. Typically, fees range from 0.5% to 10% of the amount withdrawn.

Does the MoneyKey Line of Credit charge a statement balance fee?

No, MoneyKey Inc. does not charge a statement balance fee.

Does MoneyKey Line of Credit charge a late fee?

No, MoneyKey Line of Credit will not charge you a late fee.

How much can you borrow via MoneyKey Line of Credit?

Upon approval and based on your credit worthiness, your MoneyKey Line of Credit personal line of credit will be assigned a credit limit of at least $200 and as much as $2,000. .

MoneyKey Line of Credit Fees
Cash Advance Fee N/A
Origination Fee No
Prepayment Fee? No
Late Payment Fee No
Statement Balance Fee No

What do you need to qualify for MoneyKey Line of Credit?

The minimum age to be eligible is 18 or the state minimum, whichever is higher.

MoneyKey Line of Credit does not have or does not disclose a minimum annual income eligibility requirement. MoneyKey Line of Credit will consider borrowers regardless of their employment status if they can prove their ability to repay their obligations.

The Military Lending Act (32 C.F.R. § 232) prohibits lenders from charging service members more than 36% APR on credit extended to covered borrowers. APRs for the MoneyKey Line of Credit product fall outside of the MLA limits, and as a result, the product cannot be issued to these applicants. Active duty service members and their covered dependents are considered “covered borrowers" under the Military Lending Act.

U.S. citizens are, of course, eligible for the services offered by MoneyKey Line of Credit. Permanent resident / green card holders are also eligible to apply.

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

  • Proof of income

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

MoneyKey Line of Credit will typically approve (or deny) a line of credit application within 24 hour s and fund personal lines of credit within 1 business day of approval.

Does MoneyKey Line of Credit report your account activity to credit bureaus?

Yes, MoneyKey Line of Credit reports your account activity to the following credit reporting agencies:

Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help improve your credit.

How to apply for MoneyKey Line of Credit

  • Visit the MoneyKey Line of Credit website.
  • Fill in the application form. You will typically need to provide general information such as your name, address, email address, Social Security Number, source of income and employment, and checking account information.
  • Check the information is accurate and submit your application.
MoneyKey Line of Credit Disclosure: Not all applications are approved; duration of approval process may vary. Product availability varies by state. To see loan products offered in your state of residence, please visit our Rates and Terms page ( If approved, any requested funds may typically be deposited into your bank account the same business day; timing of funding may vary by product and state. The date and time funds are made available to you by your bank are subject to your bank's policies. For specific funding cut-off times, check our website. MoneyKey is a state license online lender in the states of Kansas and Tennessee. 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.
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...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Message From MoneyKey Inc.

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.


Hours of Operation

  • Sunday 10:00am - 6:00pm
  • Monday 8:00am - 9:00pm
  • Tuesday 8:00am - 9:00pm
  • Wednesday 8:00am - 9:00pm
  • Thursday 8:00am - 9:00pm
  • Friday 8:00am - 9:00pm
  • Saturday 10:00am - 6:00pm

Other Services by MoneyKey Inc.


  Available in 2 states
  • Kansas
  • Tennessee

Feature Breakdown

Annual Fee $0
Minimum Payment $0
No Origination Fee
No Prepayment Fee
No Late Fees
Credit Score Range 300 - 700
Employment Statuses Considered
  • Other
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
  • Unemployed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Joint Loan Applications Accepted
  • Individual Applications
Military Status
  • Non-Military
Minimum Age 18
Supported Income Types
  • Direct Deposit (W2, SSA, SSDI)
  • Cash
  • Payroll Check or Prepaid Card
  • 1099 Misc. Income
  • Tax Returns
Verification Documents Required
  • Proof of Income
Approval Speed 24 hours
Credit Bureau Reporting Other
Funding Time Range 1 day
Payment Options Automatic Payments
APR (Fixed APR) 280% - 292%
Loan Amount $200 - $2,000

MoneyKey Line of Credit Community Reviews


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This product is mostly not recommended by SuperMoney users with a score of 0, equating to 3 on a 5 point rating scale.


Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

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