We make the online loan process fast

We’re Here To Help You Get Money When You Need It:

1. Simple Application

Submit an online application – it only takes a few minutes and is available 24 hours a day, 7 days a week, for your convenience. We receive a lot of positive reviews regarding unsecured online loans offered through the MoneyKey website.

2. Fast Approval

Submit an online application – it only takes a few minutes and is available 24 hours a day, 7 days a week, for your convenience. We receive a lot of positive reviews regarding unsecured online loans offered through the MoneyKey website.

3. Quick Funding

Submit an online application – it only takes a few minutes and is available 24 hours a day, 7 days a week, for your convenience. We receive a lot of positive reviews regarding unsecured online loans offered through the MoneyKey website.

Why choose MoneyKey?

We have been around since 2011 and each year we continue to reach thousands of new customers as we expand throughout the United States with various credit options. In addition to being an online lender and credit services provider, we also service the CC Flow Line of Credit offered by CC Flow, a division of Capital Community Bank.

Short-term online loans available through the MoneyKey website include Installment Loans and Lines of Credit. With MoneyKey, you can expect:

A simple online loan application process
Quick loan approval◆
Your funds as soon as the same business day*
Fast and friendly customer service
Transparency with no hidden fees
A safe and secure online platform
We strive to provide five-star service to customers and a variety of fast online loans are available through the MoneyKey website. The application process is quick and easy. If your application is approved, you may receive your money the same business day*.

Installment Loans
Installment loans are short-term online loans that are paid back over time. If approved, you’ll get the full loan amount deposited into your bank account as soon as the same business day*. Your payback period, or loan term, will range between 5 and 12 months, depending on the state you live in. Throughout the loan term, you will be expected to make your installment payments to repay your loan, often on a monthly, semi-monthly, or bi-weekly basis depending on how often you get paid. There is no penalty for pre-payment (paying more or earlier than a scheduled installment) for installment loans. Repayment terms will vary by state and depend on the duration of the loan. A MoneyKey Installment Loan can be used for a variety of reasons including home and car repairs, medical expenses or any unexpected non-recurring bill. These online short-term loans are currently available in Delaware, Idaho, Mississippi, Missouri, Texas, Utah and Wisconsin.
Lines of Credit
Lines of Credit
If you are looking to receive funds quickly*, then a line of credit might be right for you. This is an open-ended borrowing option and is different from traditional online short-term loans like payday and installment loans since it gives you greater control over your cash flow.

If your application is approved, you can draw your full credit limit at once or smaller amounts over time, so long as you have available credit**. With Lines of Credit offered through MoneyKey, you are only charged on the amount of money you have withdrawn, not your entire credit limit.

There are two types of Lines of Credit available through MoneyKey:

MoneyKey Line of Credit
The MoneyKey Line of Credit is currently available to new customers in Kansas and Tennessee. A Line of Credit is ideal for unexpected expenses that may occur in your day-to-day life. For specific rates and terms, visit the Products & Services page.

CC Flow Line of Credit

The CC Flow Line of Credit is currently offered through MoneyKey in Alabama, Alaska, Arizona, Arkansas, Florida, Hawaii, Indiana, Kentucky, Louisiana, Michigan, Montana, Ohio, Oklahoma, and Wyoming. Additional states will be operational soon. Check back often to see if the CC Flow Line of Credit is available in your state of residence.

The CC Flow Line of Credit is provided by CC Flow, a division of Capital Community Bank (CCBank), a Utah Chartered bank, located in Provo, Utah, Member FDIC. MoneyKey is an authorized servicer of CC Flow. Consumers can submit a request for a CC Flow Line of Credit through the MoneyKey website.

Click here to learn more about the CC Flow Line of Credit.

We’ve helped over 400,000 customers. Let us help you!

Installment Loans     Line of Credit     Online Loans     Online Direct Lenders     Cash Advance     Personal Loans Online     More Resources

Not all applications are approved; duration of approval process may vary. Credit limits/loan amounts are subject to further verification criteria and may vary depending on your individual circumstances and eligibility.

*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, click here.

**You may request a draw from your Line of Credit at any time, so long as you have available credit and your account is in good standing.

†As you move through your credit journey, your account may become eligible for reduced charges and/or increased credit limits/loan amounts based on good payment history over time. You will receive notices, as applicable, regarding your individual circumstances and eligibility.

Depending on your state of residence, applications submitted on this website may be originated by one of several lenders, including: CC Flow, a division of Capital Community Bank (CCBank), a Utah Chartered bank, located in Provo, Utah, Member FDIC. The CC Flow Line of Credit is provided by CC Flow. Additionally, CC Flow maintains critical control over loan origination, underwriting approvals, and regulatory and compliance oversight management. MoneyKey is an authorized servicer of CC Flow. This means the CC Flow Line of Credit is available through MoneyKey and you will maintain your CC Flow Line of Credit account through MoneyKey.

Product availability varies by state. To see loan products offered in your state of residence, please visit our Products & Services page.

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 for which MoneyKey acts as a CSO/CAB are funded by an unaffiliated third-party lender and serviced by MoneyKey.

Reviews and any ratings referenced are based on Trustpilot reviews. Images are for illustrative purposes only. Reviews reflect individuals’ opinions and may not be illustrative of all individual experiences with MoneyKey.

© 2025 MoneyKey, Inc. All rights reserved.

Terms of Use | Privacy Policies | Legal