MoneyKey Line of Credit

in Personal Lines of Credit from MoneyKey Inc.

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MoneyKey Line of Credit


in Personal Lines of Credit from MoneyKey Inc.

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

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 offered in 3 states across the USA.

What APRs does MoneyKey Line of Credit offer?

MoneyKey Line of Credit offers a fixed APR product that ranges from 24% APR up to 399% APR.

Your APR can vary depending on several factors, such as your credit score. Find out what your credit score is and whether there is any false or inaccurate information in your credit history with these credit monitoring tools.

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.

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 MoneyKey Line of Credit?

Applicants with a credit score of at least 300 and up to 700 are eligible 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.

Only U.S. citizens and permanent residents can apply for a loan.

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

How to apply for MoneyKey Line of Credit

  • Visit the MoneyKey Inc. 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 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.

Other Services by MoneyKey Inc.


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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