MoneyKey personal loans can be used for financial emergencies, such as medical expenses, car repairs or job losses. Loans from $200 to $2,500 with repayment terms of six to 12 months are quick sources of cash but not ideal for consolidating debt, funding investments or paying for home renovations.

The lender emphasizes that its personal loans are for short-term financial emergencies, and borrowers must use funds wisely.

Common reasons to get MoneyKey personal loans include:

  • Covering medical bills.
  • Paying for unexpected home or auto repairs.
  • Handling small emergency expenses that don’t exceed $2,500.

If you want a MoneyKey personal loan, you can apply online in minutes or call customer service. You’ll provide personal information, such as your Social Security number on the online application, and MoneyKey will check your credit and financial history.

If you are approved for a loan, MoneyKey can typically deposit the funds into your bank account as quickly as the next business day.

MoneyKey offers installment loans up to $2,000. Repayment terms range between six and 12 months and can be paid biweekly, semimonthly or monthly. Installment loans are only available in Delaware, Idaho, Mississippi, Missouri, Texas, Utah and Wisconsin.

Lines of credit are also offered and go up to $2,500 with an open-ended loan term. These are available in Kansas and Tennessee. A CC Flow Line of Credit, offered by Capitol Community Bank in Utah, is offered to people in these states: Alabama, Alaska, Arizona, Arkansas, Florida, Hawaii, Indiana, Kentucky, Louisiana, Michigan, Minnesota, Montana, Nebraska, Oklahoma and Wyoming.

Rates for MoneyKey loans differ by state. If you live in Delaware, for example, your annual percentage rate will vary based on the specific details of your loan and could reach up to 295%.

You must be at least 18 years old and a citizen or permanent U.S. resident to qualify for a MoneyKey personal loan. MoneyKey will verify that you have a bank account, a consistent source of income, and a valid email address and phone number.

MoneyKey does not disclose a minimum credit score for a personal loan, but credit scores carry less weight for this lender.

MoneyKey doesn’t publicly list any credit score requirements, but as long as you have a stable income stream, a bank account and valid contact information, you could qualify for a loan even with poor or no credit.

MoneyKey offers short-term installment loans in Delaware, Idaho, Mississippi, Missouri, Texas, Utah and Wisconsin.

Check out the lender’s service map to find out whether you can get a personal loan or line of credit from MoneyKey in your state.

Is MoneyKey Reputable?

MoneyKey has a B rating from the Better Business Bureau. Trustpilot scores MoneyKey an excellent 4.6 out of 5 stars based on over 3,000 reviews.

The Consumer Financial Protection Bureau reported 4,354 complaints related to personal loans by MoneyKey in 2021. Most were about unexpected fees, problems making payments and the payoff process. MoneyKey provided a timely response to all but 170 of the complaints and closed 3,903 with an explanation, 214 with nonmonetary relief and 206 with monetary relief.

How Is MoneyKey’s Customer Service?

MoneyKey offers customer service by phone and email. Call 866-255-1668 from 8 a.m. to 9 p.m. Eastern Time Monday through Friday, and 10 a.m. to 6 p.m. ET Saturday and Sunday. Send messages to

You can apply for a personal loan through the MoneyKey website or the MoneyKey Mobile app. The app can be used not only to apply for a loan, but also to view documents, request additional loans, check application status and view payment schedules.

You can manage the loan application and payment processes online. You can call customer service for support if you need it, but you won’t be required to speak with anyone when you apply for or accept a loan.

MoneyKey Personal Loans Are Best for:

  • People who need to borrow up to $2,500.
  • People who need money quickly.
  • People who have bad credit.

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