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MoneyKey.com Review: Reliable Online Lender for Solving Financial Troubles

What is MoneyKey.com?

logoMoneyKey (moneykey.com) is an online lender offering short-term credit products to consumers via a safe and secure online platform. We also offer credit services for unaffiliated third-party lenders in certain states. MoneyKey is licensed as a credit services organization (CSO) and credit access business (CAB) in the states of Ohio and Texas, respectively. MoneyKey is a member of the Community Financial Service Association of America (CFSA) and the Online Lender’s Alliance (OLA). As a state licensed lender, MoneyKey only provides services in states where we have authority to operate as a Lender, CSO or CAB.


Types of LoanMin Loan AmountMax Loan AmountInterest RatePeriodDocumentsBad Credit History
  • payday loans;
  • installment loans;
  • line of credit.
$ 255$ 2 500agreed individuallyagreed individually
  • Drivers License#;
  • Social Security Number (SSN).

Types of Loans

MoneyKey.com offers clients the following types of loans:

  • installment loans – loan product that is repayable in substantially equal installments;
  • payday loans – online short-term, small-dollar personal loan called a Single-Pay Loan;
  • money key credit line – provides you with the benefits of a traditional loan, but allows you to have more control over your cash flow and payment options.

money key services

After surfing this online lender service website, we have found that MoneyKey works fast to get you the money you need – as early as the following business day (the date and time the funds are made available to you by your bank is subject to your bank’s policies.). It means that if you apply for a loan and your bank is working on the same business day, your funds will be transferred in time according to bank performance and working hours.

As you can guess you will be able to get money on your active bank account, there is no other way for getting funds because Money Key is an online credit institution providing customers with all available services but online only.

Terms of Use

To qualify a loan from Moneykey.com lender, a customer should meet the following requirements:

  • be 18 – 19 (depending on state) years of age or older;
  • be a US citizen or Permanent Resident;
  • be a resident of a state where there is Moneykey.com representation;
  • have an active bank account;
  • have a regular source of income;
  • have a valid contact number and an active email address.

As you can see, clients should be over 18 years old to have a legal right to applying for a loan online. You should also be a resident of the state where Moneykey.com has a license. Moneykey.com is present in the limited list of states that’s why if you do not live there, you have no opportunity to get a loan online.

Loan amount and period are also dependent on state. Here you will see the table with data relating to loan amount and period you are able to get a loan for:

StateInstallment LoanPayday LoanLine of Credit
 Alabama $2,000 and $2,600
 California $2,600 (18-36 months) $255 (8 and 31 days)
 Delaware $200 and $1,000 (6 months)
 Illinois $200 – $1,000 (180 days)
 Kansas $200 to $1,000
 Maryland $200 to $1,000
 Missouri $500 to $1,000
 New Mexico $200 and $1,000 (10 months)
 Ohio $200 and $1,500 (18 months)
 South Dakota  $200 and $1,000 (6 months)
 Texas  $200 and $1,000 (5 months)
 Utah $200 and $1,000 (6 months)

Interest rate is also independent and calculated according to state you live in, loan amount and period you are able to take use of a loan. A client should have constant source of income but it is not clear defined whether he should have a constant working place or whether he may have another source of income, for example collateral trust bonds. So that, a client may provide evidence of his constant monthly income an be approved in MoneyKey.com.


apply nowTo apply for a loan in MoneyKey.com you need to provide the following documents:

  1. Drivers License#;
  2. Social Security Number (SSN).

These are two main documents required for undergoing this specific procedure. There is no actual information relating to how much time it takes to process an online application left on MoneyKey.com. When looking at application form, there is no information that a client should provide some guarantors or contact persons. So that, online application is simplified as much as possible.

It takes some time for clients to understand all the aspects and details of Moneykey.com operating procedure because there is no common FAQs page where it is possible to find the answers to all the questions.


The loan may be paid back only by one method. A clients’ funds will be debited from an active bank account on the due date. You cannot pay a loan back by cash because MoneyKey.com is an online credit institution. In the majority of cases, a client is able to pay a loan back earlier, but this aspect is dependent on state regulation you take a loan in.

Loans are structured with a repayment schedule set to coincide with your pay dates. The scheduled amount with each installment is usually paid back by debiting your bank account on the planned due date. There are no penalties when a client decides to pay a Loan off earlier than planned. If you have a desire to make an early payment or pay an additional amount over and above your planned installment to reduce the total amount, you may do so at any time by contacting Money Key by phone number, email or online chat. There are no penalties associated with such payments.

If you have a desire to defer payment you should contact Money Key customer support group. This issue should be solved in an individual way. We cannot estimate fairly the information relating to penalties if a client misses paying a loan back in due date because we believe that it is possible to cope with all the problems by contacting MoneyKey organization.


MoneyKey organization provides concrete information about a client who is able to pay a loan back earlier but we do not find any evidence of facts relating to loan extension. We believe that MoneyKey.com will try to cope with all difficult situation. To get to know more about loan extension, you’d better to contact customers support group.

In the majority of cases, there is no possibility to take loan before the first one is not paid yet. Clients may contact Moneykey administration to understand properly whether a client has an opportunity to get one more loan if you have not paid the first one back yet.

MoneyKey.com Bad Credit History

Surfing the website from top to bottom we do not find any confirmation to the idea that credit history, bad or good or its absence, plays any role for MoneyKey online lender. In prevailing cases, online lenders provide people with funds independently of their credit history. This issue is still unanswerable for the majority of people having a desire to apply for a loan in MoneyKey.com.

Technical Data

Is Connection Secure on MoneyKey.com?

This is a logic question whether all your connections and transactions are secured when commanding online service. When you enter your personal data, you should be sure you are protected for all 100-%. MoneyKey.com provides customers with 256-bit encryption service, which security certificate is verified by GoDaddy.com, Inc.

secure connection

This is the most effective method of customers’ personal data protection but unfortunately, company owner is hidden what makes us think that there is a risk that your personal data may be poorly protected and be disclosed. Nowadays there are so many hackers who main gain unlegalized access to personal data and use it for his own ends.

But we see that MoneyKey.com does its best to ensure security and clients may not be anxious about personal data disclosure.

Mobile Version of MoneyKey.com

More and more people worldwide prefer to use mobile devices to perform online activities that’s why we decide to examine the mobile version of MoneyKey.com. According to Search.Google.com mobile version of MoneyKey.com is user-friendly and may be used with plans you decide to realize. This mobile version is adjusted to different mobile devices. It becomes possible to apply for a loan by means of different smartphones. Everything is organized on the level to make it useful for people who cannot give up on a smartphone.

mobile version

Antivirus Presence

Unfortunately, there is no antivirus on Moneykey.com so that there is a great risk to “catch” viruses and online threats. The Internet is full of viruses nowadays that’s why clients should be informed that this online service may damage your device – computer or mobile phone – with viruses. For MoneyKey.com it is better to install an antivirus to cope with such problems and to avoid some pretensions. Antivirus is a way for the safe Internet. If all people follow this recommendation, everyone will be protected while surfing the Internet.

Convenience of Application

There are three main aspects for customers to get access to an online application. They are:


A client is also able to fill in a reduced application form where a client should enter an e-mail address, choose state and loan amount. This reduced form will transfer you to complete an online application with one click.

apply now

There are 3 main steps which will provide you with access to be applied for a loan.

  • The first step is known as contact information:step#1
  • The second step includes main identification information:step#2
  • The third step includes Moneykey.com login and password to know the answer to your application:step#3

In general, how to order procedure is convenient, there are no difficulties in filling in an application form. There is only one aspect which may take some time exactly registration. A client should make Moneykey.com login and password. But it takes several minutes to undergo this procedure. We cannot find any information about how much it will take to process the application, but in general, this procedure takes from some minutes to several hours. So that, you will get a confirmation e-mail with the response from Money Key customer support group.

 Is MoneyKey.com Legit and Secure?

According to ScamAdviser.com, Money Key online loan lender has 85-% of security. There is some doubt website origin, exactly, Money Key administration claims it is the United States of America based, but there is a suspicion it is located in Canada. Moreover, the main ScamAdviser.com status is “This Site Has Negative Feedback”. It appears on Moneykey.com it has been detected some negative online reviews and you should explore their online reputation to examine comments/reviews validity. Try searching on Google for ‘MONEYKEY.COM reviews’ for getting further information.

Although MoneyKey.com appears to be based in the United States there are other countries involved and you should review this information carefully and decide if it is as you expect. This website has been listed on a threat site at some time in its life. These can relate to virus/malware issues. Free email addresses have been prepared in his website setup. This is not necessarily worrying, depending on the site. For online shops, this can be a sign that the site has some risk.

Domain age is great – 19 years, 277 days and this online service have lots of visitors but its cost is too low. These aspects are interrelated to each other that’s why we may to a conclusion that there is some risk of being cheated.


In general, an indicator of legitimacy and safety is high enough to trust in this online service. Remember, examine all the information about this online service before applying for a loan there.

Reviews about MoneyKey.com

Reviews on MoneyKey.com

There are no reviews on moneykey.com left by clients. They offer to read reviews left on TrustPilot.com only. This aspect doesn’t help people see the real picture of Money Key performance. Reviews are key elements which clients read to make a choice whether this or that online institution is suitable for them and reliable enough. We cannot trust in such a website on which we cannot understand whether clients are satisfied with service or not.

Reviews about MoneyKey.com on Foreign Recourses

As we have said already MoneyKey.com offers to read reviews left on TrustPilot.com. Overall rating is 8,5 % out 10 %. Excellent marks prevail – 75 -%.

trustpilot rating

TrustPilot.com is a reliable online service where people may leave reviews on different websites including Money Key. In the majority of reviews, people claim that MoneyKey.com help them get rid of financial problems. All the reviews are “fresh” that’s why people may estimate the level of Money Key performance.


But remember that ScamAdviser.com claims that there are negative reviews about MoneyKey.com performance that’s why it is necessary to examine them carefully to make a decision.

Contact Information

“Contact Us” Section

“Contact Us” section contains main contact information such as:

  • phonemoneykey.com phone number
  • e-maile-mail
  • faxfax
  • addressmailing address

All this information may help people contact or even become sure that this online service is a reliable one. But here we come across with one problem exactly e-mail doesn’t perform its function, it is not clickable that’s why a client cannot use as intended.


MoneyKey.com has a license to work and give loans online in the following states:

  • California;
  • Ohio;
  • Alabama;
  • Delaware;
  • Illinois;
  • New Mexico;
  • Texas;
  • Utah;
  • Missouri;
  • Kansas.

According to state you live in a client is able to get:

  • payday loanspayday loan
  • installment loansinstallment loans
  • line of creditline of credit

Depending on state loan amount, period and interest rate may change. If you have any question you are welcome to contact customer support service online in the following working hours:

customer care hours

Customer Support Service

MoneyKey.com claims they have live chat which is working on the following hours:

  • 8 am – 9 pm – Monday – Friday;
  • 10 am – 6 pm – Saturday – Sunday.

Life chat is really active in this working hours, we ask the question about bad credit history and its impotence for MoneyKey.com administration. But in this case, we face such a problem that for getting the answer, I have to inform my personal data, why should we do this – it is not logic. We get the answer that a client should meet the minimum requirements to be approved that’s why sometimes bad credit history doesn’t influence the approval.

customer support service

Conclusion: Reliable Online Lender for Solving Financial Problems

MoneyKey.com is an online credit institution offering clients payday loans, installment loans and line of credit. This online lender has a license in the following list of states: California, Ohio, Alabama, Delaware, Illinois, New Mexico, Texas, Utah, Missouri, Kansas. People may read detailed information relating to each state and what services Moneykey.com provides there.

ScamAdviser.com gives 85-% of security what makes people believe in MoneyKey.com reliability. Of course, there is some confusion with website location and owner location but in general, there are no noticeable drawbacks. Clients may get a loan in several minutes and cope with financial troubles in no time.

There are some problems with reviews because MoneyKey.com provides reviews left only on TrustPilot.com that’s why we cannot estimate how much of them really command the service of this online lender. Reviews on TrustPilot about Moneykey.com are predominantly positive and “fresh”, they can help to see the real picture of Money Key performance.

A client may look at this website properly and decide whether it is suitable for him or not, but we may recommend this online lender for solving your financial troubles.

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About the Author

Stephanie Reyes
Stephanie Reyes

Stephanie Reyes is a 30 years old women with an extensive experience in IT sphere. She started creating and posting such a content already in the University. She has graduated from University of Chicago. Now she doesn't bind to any location and travel the world in parallel cooperating in cardinalbank.com.

She posts financial reviews. It will help many people to get to know whether it is possible to issue a bank loan if not - take out payday loans and other online financial services. Stephanie with her husband met in the university and developed the main ideas of SMM.