in Personal Loans from MoneyKey

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in Personal Loans from MoneyKey

SuperMoney Net Recommendation Score +1% 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

32 users recommend
5 users are unsure
31 users don't recommend
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Community Rating Mostly recommended
Loan Amount $200 - $2,600
APR (Fixed APR) 174% - 566%
Loan Term (Months) 5 - 36
Number of Reviews 68


Where does MoneyKey do business?

MoneyKey is a direct lender based in Wilmington, DE. Founded in 2011, MoneyKey offers access to personal loans in 14 states across the USA.

What rates and terms does MoneyKey offer?

MoneyKey has higher interest rates than the average for lenders reviewed on SuperMoney.

What personal loan APRs does MoneyKey offer?

MoneyKey offers a fixed APR personal loan product that ranges from 174% APR up to 566% 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.

How much can you borrow via MoneyKey?

Loan amounts start at $200 and go up to $2,600.

What can a personal loan from MoneyKey be used for?

Personal loans from MoneyKey are typically used for special purchases, medical expenses & procedures, unexpected expenses or similar purposes.

What is the maximum loan term you can get with MoneyKey?

MoneyKey offers personal loans with terms ranging from 5 to 36 months. Having the option of longer terms allows borrowers to take on larger loan amounts while keeping monthly payments more affordable. However, the longer the term of your loan, the more interest you will pay.

MoneyKey Rates & Terms
Loan Amount $200 - $2600
Loan Term 5 - 36 months
APR 174% - 566%

What fees does MoneyKey charge?

Does MoneyKey charge an origination fee?

MoneyKey does not charge a loan origination fee.

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

Does MoneyKey charge a late fee?

No, MoneyKey will not charge you a late 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 loan off early.

MoneyKey Fees
Origination Fee N/A
Prepayment Fee? No
Late Payment Fee N/A

What do you need to qualify for a loan with MoneyKey?

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

MoneyKey will consider borrowers regardless of their employment status if they can prove their ability to repay the loan requested.

Active duty servicemembers and their covered dependents cannot apply for a loan 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 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
  • MoneyKey Eligibility Criteria
    Minimum Age 18
    Bank Account Required? Yes
    Joint Applications Accepted? Yes
    Credit Score 300 - 700

    What is the estimated funding time for a personal loan via MoneyKey?

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

    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

    MoneyKey takes pride in providing excellent customer service while at the same time assisting customers with their immediate financial needs. MoneyKey’s aim is to remove the complication that is often associated with attempting to borrow funds. After a simple online application, a customer care agent will help the customer to understand their loan terms and get them funded by as soon as the next business day. MoneyKey also offers a 3-day cancellation policy if the customer, for any reason, has a change of heart.

    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 14 states
    • Alabama
    • California
    • Delaware
    • Idaho
    • Illinois
    • Kansas
    • Mississippi
    • Missouri
    • New Mexico
    • Ohio
    • Tennessee
    • Texas
    • Utah
    • Wisconsin

    Feature Breakdown

    No Origination Fee  
    No Prepayment Fee  
    No Late Fees  
    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 - $2.6K
    Loan Term (Months) 5 - 36
    APR (Fixed APR) 174% - 566%



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