Online Loans and Lines of Credit Between $200 - $3,500.MoneyKey is an online lender and service provider, offering a safe and secure online platform. Online credit available through the MoneyKey website include Installment Loans and Lines of Credit.The products offered through MoneyKey can provide you with financial flexibility and a safety net for unexpected expenses that may come your way. We strive to provide five-star service to customers. The application process is quick and easy. Apply online and verify your information; the process is quick1. If your application is approved, you may receive your money the same business day.2.Applications submitted on the MoneyKey website may be originated by one of our lenders, depending on your state of residence.MoneyKey is a state-licensed direct lender in Delaware, Idaho, Kansas, Mississippi, Missouri, Tennessee, Utah and Wisconsin.The CC Flow Line of Credit is made by Quill Bank, a Utah Chartered bank, located in Provo, Utah. The CC Flow Line of Credit is serviced by MoneyKey.Visit the Rates page on the MoneyKey website for state availability.1Not all applications are approved; duration of approval process may vary.2If 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, here.
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Is MoneyKey legit?
MoneyKey (moneykey.com) has a 4.5 out of 5 rating on OK.one, based on 180 user reviews collected here. It is listed under Money & Insurance and its reputation is excellent. 87% of reviews are 4 stars or higher and 10% are 1 star; The business has replied to 91% of negative reviews; Reviews mostly discuss User experience, Customer service, Price. Last updated 2026-09-03.
What reviewers say
AI generated
Reviewers overwhelmingly had a great experience with this company. Consumers often highlight how incredibly fast the funds are deposited and how simple the entire application process is when unexpected expenses arise. People frequently express gratitude for the exceptionally polite and professional support team, noting that agents provide clear guidance whenever extra assistance is needed.
However, some customers also noted that the extremely high interest rates make the monthly payments difficult, as very little money actually reduces the principal balance. Reviewers additionally mentioned that managing the loan can feel overwhelming over long periods because the borrowing costs accumulate quickly.
Auto-generated from all reviews of this business. For reference only.
It’s the one company that trusted me enough to give me a line of credit when I really needed it - highly recommend- easy process- quick customer service and payments are tolerable . High credit line . Thank You .
Chad
Yes, I got my loan but the lady that was helping me really did not have good customer service
Reply from MoneyKey2026-06-16
Hello Andrea,
We’re sorry to hear this and we appreciate you taking the time to provide your feedback. We’d like to take the opportunity to understand your experience better and to assist you in any way that we can. Please reach out to us at [email protected]. Thank you.
The experience was AWESOME! I got a call that rocked my world! I was approved for more than I asked for! It was extremely easy and thank you I got the funds I needed!
Very timely in expediting my loan. Clear cut in filling out the application, and the process of applying made it very easy. The turnaround of my getting the loan was very thorough and quick. Would recommend CCFLOW.
I like the comfort of knowing If I have money available I can retrieve it very easily.
What I would like to see if payments are mode on time for 6 months then a credit line increase is offered