MoneyKey Line of Credit

in Personal Lines of Credit from MoneyKey

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MoneyKey Line of Credit


in Personal Lines of Credit from MoneyKey

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Community Rating Mostly recommended
Loan Amount $200 - $1,000
APR (Fixed APR) 24% - 399%


Where does MoneyKey Line of Credit do business?

MoneyKey Line of Credit is a direct lender based in Wilmington, DE. that was founded in 2011. MoneyKey Line of Credit is offered in 3 state s across the USA.

What are the APRs offered via MoneyKey Line of Credit?

MoneyKey Line of Credit offers personal lines of credit with fixed APRs starting from 24% to 399%.

Does 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 MoneyKey Line of Credit charge a cash advance fee?

Yes, MoneyKey Line of Credit may charge a fee of 10% to 15% of the amount of each cash advance.

Does MoneyKey Line of Credit charge a late fee?

Yes, MoneyKey Line of Credit may charge borrowers a late payment fee.

Does MoneyKey Line of Credit charge prepayment fees?

No, MoneyKey Line of Credit 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 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 line of at least $200 and as much as $1,000. .

MoneyKey Line of Credit Fees
Cash Advance Fee 10% - 15%
Origination Fee N/A
Prepayment Fee? No
Late Payment Fee N/A

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

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

MoneyKey Line of Credit will also consider borrowers who are unemployed Active duty servicemembers and their covered dependents are not considered covered borrowers under the Military Lending Act (32 C.F.R. § 232). This means they cannot apply for a line of credit via MoneyKey Line of Credit. 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 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 2 business day s of approval.

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

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

  • Equifax
  • Experian
  • Transunion

Making regular and on-time payments on a credit card that reports your account activity to credit bureaus will demonstrate that you consistently manage debt well and can help increase your credit scores.

How to apply for MoneyKey Line of Credit

  • Visit the MoneyKey website.
  • Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, annual income, and source of employment.
  • Check the information is accurate and submit your application.
MONEYKEY LINE OF CREDIT 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.
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  • 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
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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