Last Updated: 04/18/2025
SuperMoney User Recommendation Score 0
Mostly recommended5 total votes
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Highlights
Community Rating
Mostly recommended
Amount Range
$200 - $2,500
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APR (Fixed APR)
280% - 292%(Verified 12/26/2024)
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Number of Reviews
MoneyKey Lines of Credit Review
MoneyKey Lines of Credit is offered through MoneyKey Inc., a direct lender founded in 2011 and based in Wilmington, DE. MoneyKey Lines of Credit are available in 2 states.
MoneyKey Lines of Credit FAQ
What APRs does MoneyKey Lines of Credit offer?
MoneyKey Lines of Credit offers an APR that ranges from 280% APR up to 292% APR.
Does the MoneyKey Lines of Credit charge an origination fee?
No, MoneyKey Lines 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 Lines of Credit charge a cash advance fee?
No, MoneyKey Lines 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 Typically, fees range from 0.5% to 10% of the amount withdrawn.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 Lines of Credit charge a statement balance fee?
No, MoneyKey Inc. does not charge a statement balance fee.Does MoneyKey Lines of Credit charge a late fee?
No, MoneyKey Lines of Credit will not charge you a late fee.How much can you borrow via MoneyKey Lines of Credit?
Upon approval and based on your credit worthiness, your MoneyKey Lines of Credit personal line of credit will be assigned a credit limit of at least $200 and as much as $2,500.
| Cash Advance Fee | 0% |
| Origination Fee | No |
| Prepayment Fee? | No |
| Late Payment Fee | No |
| Statement Balance Fee | No |
What do you need to qualify for MoneyKey Lines of Credit?
The minimum age to be eligible is 18 or the state minimum, whichever is higher. MoneyKey Lines of Credit does not have or does not disclose a minimum annual income eligibility requirement.
U.S. citizens and permanent resident / green card holders are eligible to apply for the services offered by MoneyKey Lines of Credit.
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 Lines of Credit?
MoneyKey Lines of Credit will typically fund personal lines of credit within 1 business day of approval.Does MoneyKey Lines of Credit report your account activity to credit bureaus?
Yes, MoneyKey Lines of Credit reports to the following credit bureau:
Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help build your credit.
Does MoneyKey Inc. perform a hard credit pull?
No hard credit pulls are completed for MoneyKey.How to apply for MoneyKey Lines of Credit
- Visit the MoneyKey Lines 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 Lines of Credit Disclosure: MoneyKey Line of Credit Disclosure: Not all applications are approved; duration of approval process may vary. Terms displayed, including the APR, loan amount and estimated monthly payment are subject to change based on the consumer’s verified information and creditworthiness. All requests are subject to standard underwriting policies. Product availability varies by state. To see loan products offered in your state of residence, please visit our Rates and Terms page (https://www.moneykey.com/products-services).
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.
SuperMoney Disclosure: SuperMoney.com 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 Lines of Credit
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
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Learn MoreSuperMoney Net Recommendation Score
SuperMoney users mostly recommend this product, giving it a user recommendation score of 0, or 3 on a 5-point rating scale.
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Everyone recommends
MoneyKey Lines of Credit Community Reviews
Would you recommend MoneyKey Lines of Credit to your friends?
CD
Cedric D.
Aug 20, 2021
May or may not recommend
This business works incredibly fast with its same day approvals and customer service. But unless it's a dire emergency I don't recommend getting with this company. And even then, you'll need to pay it back quickly. There are radically high interest rates and overall expensive loans to pay back.
SL
Serise L.
Jun 20, 2021
May or may not recommend
MoneyKey dangles a solution to a classic problem: needing money in a hurry. They can do same day approvals and have the money in your bank account the next day. However, this level of convenience has a cost. The interest rate you receive is spelled out, but it is very high compared to other options. I would not recommend Money Key if you have other options to turn to. The ...Show More
VG
Vito G.
Jan 17, 2021
May or may not recommend
In today’s economy, knowing that I have someone who is ready to support me is very important. For all of my financing needs, I turn to MoneyKey Inc Direct as they can provide me with a quickly funded loan that meets my needs.
OD
Olayemi D.
Oct 18, 2020
May or may not recommend
The MoneyKey Line of Credit Personal loan is suitable for every of your financial problems at it gladly solved mine, multiple times. The loan body offers fast and quick loan service and do not have high interest. It is an highly recommendable loan body with a lot of fascinating offers.
U
Anonymous
Mar 21, 2019
May or may not recommend
This is a really expensive way to get a loan. I would only do it if I had an emergency like an auto repair where I was going to lose my job or get the loan.
Showing 5 of 5 reviews