moneykey loan

MoneyKey points out that the short-term installment loans it offers are “an expensive form of credit” and not intended to address long-term financial goals.

Is borrowing money from MoneyKey a good idea or a bad idea?

This lender offers installment loans at very high-interest rates.

If you take out a short-term, high-cost installment loan, you can pay your monthly bills on time.

How can personal loans with MoneyKey be used?

MoneyKey personal loans can be used for financial emergencies like job loss, medical expenses, or car repairs. They range in terms from $150 to $3500. These loans are good for fast cash but not for consolidating debt or financing investments.

Lenders stress that personal loans should only be used for temporary financial emergencies. They also advise that borrowers use the funds responsibly.

How do MoneyKey Personal Loans work?

In minutes, you can apply online for a MoneyKey personal loan. Call customer service or fill out the online application. MoneyKey will then review your credit and financial history.

MoneyKey will usually deposit funds into your account within 24hrs of approval for a loan.

Short-term loans are available for

  • Medical bills covered.
  • Unexpected home or auto repairs.
  • Small emergency expenses not exceeding $3,500

Borrowers cannot use loans for:

  • Finance illegal activity
  • Purchase drugs.
  • Purchase firearms
  • Credit card debts can be combined and paid off over time.

What terms, conditions, and fees are MoneyKey Loans?

Rates on MoneyKey loans can vary from one state to the next. Idaho residents pay 505% APRs, and their payment schedules will determine exactly how much.

There are different terms for repayment. Idaho residents can borrow as much as ten months. You have the option of paying weekly, biweekly, or semi-monthly.

What are your eligibility requirements for a MoneyKey Personal Loan?

You must be at least 18 years old to be eligible for a MoneyKey personal loan. MoneyKey will verify that you have a valid bank account, a consistent income source, and a telephone number.

MoneyKey does not require minimum credit scores to get personal loans. However, credit scores are more important for small installment loans and payday loans.

What credit score are you looking for?

A MoneyKey loan is available to those with a regular income stream, a bank account, and valid contact information.

Where is MoneyKey located?

MoneyKey is part of the CC Flow division of Capital Community Bank in Provo, Utah. Although it offers products in 16 states, not all are available worldwide.

Check out the service map to see if you’re eligible for a personal loan from MoneyKey.

MoneyKey provides good customer service

MoneyKey has not been rated or accredited by the Better Business Bureau. Trustpilot rates MoneyKey as 4.6 stars

How do you contact MoneyKey’s customer support?

MoneyKey offers customer service via chat, email, and phone.

Telephone: Call (866255-1668) between 9 a.m. to 9 p.m. Eastern Standard Time Monday to Friday, 10 – 6 p.m. Saturday, and 11 – 7 p.m. Sunday.

Email: Send messages to [email protected]

Chat online: You can ask questions Monday through Friday between 11.00 and 7.00 Eastern Standard Time using the MoneyKey chat function.

What are MoneyKey’s online features and benefits?

Apply for personal loans using the MoneyKey app. View documents, request additional loans, and track your loan status.

MoneyKey lets you manage your loan application online.



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I am David, economist, originally from Britain, and studied in Germany and Canada. I am now living in the United States. I have a house in Ontario, but I actually never go.  I wrote some books about sovereign debt, and mortgage loans. I am currently retired and dedicate most of my time to fishing. There were many topics in personal finances that have currently changed and other that I have never published before. So now in Business Finance, I found the opportunity to do so. Please let me know in the comments section which are your thoughts. Thank you and have a happy reading.

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A personal loan is a medium term loan with a fixed interest rate that is repaid in equal monthly payments and it's usually limited to 24 months. Loan offers and eligibility depend on your individual credit profile. Our lenders can help you obtain as much as $3,000 depending on the lender, your state and your financial situation.

The owner and operator of is not a lender and is not involved into making credit decisions associated with lending or making loan offers. Instead, the website is designed only for a matching service, which enables the users contact with the lenders and third parties. The website does not charge any fees for its service, nor does it oblige any user to initiate contact with any of the lenders or third parties or accept any loan product or service offered by the lenders. All the data concerning personal loan products and the industry is presented on the website for information purposes only. does not endorse any particular lender, nor does it represent or is responsible for the actions or inactions of the lenders. does not collect, store or has access to the information regarding the fees and charges associated with the contacting lenders and/or any loan products. Online personal loans are not available in all the states. Not all the lenders in the network can provide the loans up to $3,000. cannot guarantee that the user of the website will be approved by any lender or for any loan product, will be matched with a lender, or if matched, will receive a personal loan offer on the terms requested in the online form. The lenders may need to perform credit check via one or more credit bureaus, including but not limited to major credit bureaus in order to determine credit reliability and the scopes of credit products to offer. The lenders in the network may need to perform additional verifications, including but not limited to social security number, driver license number, national ID or other identification documents. The terms and scopes of loan products vary from lender to lender and can depend on numerous factors, including but not limited to the state of residence and credit standing of the applicant, as well as the terms determined by each lender individually. 


APR (Annual Percentage Rate) is the loan rate calculated for the annual term. Since is not a lender and has no information regarding the terms and other details of personal loan products offered by lenders individually, cannot provide the exact APR charged for any loan product offered by the lenders. The APRs greatly vary from lender to lender, state to state and depend on numerous factors, including but not limited to the credit standing of an applicant. Additional charges associated with the loan offer, including but not limited to origination fees, late payment, non-payment charges and penalties, as well as non-financial actions, such as late payment reporting and debt collection actions, may be applied by the lenders. These financial and non-financial actions have nothing to do with, and has no information regaining whatsoever actions may be taken by the lenders. All the financial and non-financial charges and actions are to be disclosed in any particular loan agreement in a clear and transparent manner. The APR is calculated as the annual charge and is not a financial charge for a personal loan product. 

Late Payment Implications

It is highly recommended to contact the lender if late payment is expected or considered possible. In this case, late payment fees and charges may be implied. Federal and state regulations are determined for the cases of late payment and may vary from case to case. All the details concerning the procedures and costs associated with late payment are disclosed in loan agreement and should be reviewed prior to signing any related document. 

Non-payment Implications

Financial and non-financial penalties may be implied in cases of non-payment or missed payment. Fees and other financial charges for late payment are to be disclosed in loan agreement. Additional actions related to non-payment, such as renewals, may be implied upon given consent. The terms of renewal are to be disclosed in each loan agreement individually. Additional charges and fees associated with renewal may be applied. 

Debt collection practices and other related procedures may be performed. All the actions related to these practices are adjusted to Fair Debt Collection Practices Act regulations and other applicable federal and state laws in order to protect consumers from unfair lending and negative borrowing experience. The majority of lenders do not refer to outside collection agencies and attempt to collect the debt via in-house means. 

Non-payment and late payment may have negative impact on the borrowers’ credit standing and downgrade their credit scores, as the lenders may report delinquency to credit bureaus, including but not limited to Equifax, Transunion, and Experian. In this case the results of non-payment and late payment may be recorded and remain in credit reports for the determined amount of time.