Nope! It's high-interest, as hard credit checks aren't performed, but all info can be found on MoneyKey.com. B rating with BBB, and registered with the Online Lender's Alliance.
MoneyKey only reports to credit bureaus when repayments default, or are sold to 3rd-party collections or to a bankruptcy/consumer proposal trustee.
Otherwise no.
In Texas, they're a Credit Access Business (CAB), NOT the lender, but effectively the middle man.
Everywhere else they conduct business, yes, they're the lender