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From the business
Installment Loans and Lines of Credit between $200-$3,500
MoneyKey is an online lender and service provider.
Apply online and verify your information; the process is quick1. If your application is approved, you may receive funds the same business day2.
MoneyKey is a state-licensed direct lender in Delaware, Idaho, Kansas, Mississippi, Missouri, Tennessee, Utah and Wisconsin. In Texas, MoneyKey is not the direct lender but is licensed as a Credit Services Organization and a Credit Access Business. In this state, loans are funded by third-party lenders and serviced by MoneyKey.
The CC Flow Line of Credit is provided by CC Flow, a division of Capital Community Bank, a Utah Chartered bank, located in Provo, Utah, Member FDIC. The CC Flow Line of Credit is serviced by MoneyKey.
1Not all applications are approved; duration of process may vary.
2If approved, any requested funds may typically be deposited into your bank account the same business day. For specific funding cut-off times here.
MoneyKey Reviews Summary
MoneyKey has garnered a mixed reputation, with many customers praising its efficient service and supportive customer representatives who provide clear explanations of loan terms. Users appreciate the quick access to funds and the flexibility in repayment options, often highlighting the professionalism and patience of staff. However, concerns arise regarding high fees and the complexity of repayment structures, leading some customers to feel misled. Additionally, there are reports of unauthorized transactions and account freezes, which have contributed to skepticism about the company's integrity. Overall, while MoneyKey is recognized for its customer service, potential borrowers should be cautious and fully understand the terms before proceeding.
This summary is generated by AI, based on text from customer reviews
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I had no idea they were a quick online version of Advanced financial that will leach you of money every two weeks.
Stay away if you can. Morally bankrupt as they come
I never made a payday loan before. So i was eager to pay it out on time! But when i called money key to pay it out the first rep act as if i couldn't pay off the loan in full! So instead of taking the full amount he took partial of the loan and tried to tell me my bank wouldn't let him take the full amount! I called Bank of America who told me they didn't have any restrictions on my account that was stopping money key from taking their money! So when i called money key back, i was giving a new rep and before asking me what i needed done she process the full amount and pull it out my bank so now they have over paid themselves! Then took the matter out on me as if i was in the wrong for trying to pay the loan out in full! Over all this was the worst customer service i ever experience! And I'll never deal with this company again.
This company said they would approve me but I had to give them my chase banking online user name AND password! And that he promised I could trust him!
No loan company should have to ask that information over the phone. I had already provided them with my account and routing number.
Hi Veronica,
Thank you for taking the time to write to us. Please accept our apology as we take privacy and security seriously and the service you've described does not align with our policies or practices. To help us investigate your review further, please send an email to feedback@moneykey.com. Thank you.
I have spoke to a couple of service reps and they all were nice. They were very knowledgeable and was willing to see if I had any concerns. Roaman was the representative who I talked to
Tonight was exceptionally nice.
I went thru entire process and Rosemary said I was approved and then 3 days later my application was withdrawn for no reason. I went with another company immediately! Horrible customer service. Don't do business with Moneykey!
Hello Sue,
We apologize for any inconvenience caused by the withdrawal of your application. The experience you've described doesn't align with MoneyKey's practices and we would like more information from you to investigate this further. To protect your privacy, please reach out to us at 1-866-252-5578 ext. 2221. Or feedback@moneykey.com. Thank you.
They approved me when others didn't, I needed money and was desperate. Man oh man am I regretting it now. I borrowed $350 and have since paid that in monthly payments ($92 every other week) for 5 weeks. I called today to check my payoff balance and it's still over $400! Crazy!
I needed money over the week end, and Money Key give me what was needed to help me, I tell everyone about your friendly service. I needed meds, but did not have the money, Money Key had the amount I needed put into my checking account the next day. I want to hurry and pay off my loan so that I can get another loan to start a new business. Thank you to the one who took my call and help me even if it was a week end.
WATCH OUT... THEY DONT EXPLAIN WHEN YOUR SETTING UP YOUR PAYMENT DATE THAT YOUR PAYMENT IS DUE EVERY PAYDAY NOT ONCE A MONTH LIKE MOST LOANS. WHEN THEY SAY PAYDAY LOAN I GUESS THEY REFER TO YOU PAYING TWICE A MONTH. AND THEIR REPLY..."OH, I'M SORRY THAT WASN'T PROPERLY EXPLAINED TO YOU BUT YOU DID SIGN..." DON'T WASTE YOUR MONEY.
First, I want to say they have good customer service representatives. I have borrowed from them a few times, but I've always pay on the first installment. This last time I needed more time to pay. I borrowed $1225 and have made 5 $200 payments. I called today to get the pay off and was told it was $2054. What the what? The representative informed me the payoff is even higher if you don't pay off within two weeks. I've never been so shocked in my life. I knew the rates were high, but I'm paying over $3000 for a $1225 loan. I can't wait for Ohio to ban this predatory lending.
I applied for the full amount offered and was denied. I have good steady income, my checking account is in good standing and my credit is decent. I even tried applying for half of the amount, declined. The person who referred me has good income, poor credit and several outstanding loans. Wtf?
I have used Money Key 3 times now and the 1st loan I paid If quickly paying more than minimum. The second time I asked for a little higher loan and a supervisor approved that looking at my payment history. I got in an accident therefore needed a 3 rd and was already approved from my past loans and I'm thankful how easy they make the process
Most terrible place that I have ever dealt with. After sending document upon document for them, I was asked for one more, which I provided. Checked status. Said withdrawn! Went to chat. Gave info, she went to check, and ended the chat. Not one answer! Would not allow me to reconnect. Emailed associate, he would not reply! All after being told I was approved, and signed documents! Just waiting now to see how they are going to rip me off! BE WARNED! HORRIBLE! JUST HORRIBLE!
Hi Lois,
Thank you for your feedback. MoneyKey strives to provide excellent customer service to each of our customers. We apologize that your initial experience with MoneyKey was not a positive one. In order to discuss your concerns in detail, we need further information regarding your account. To protect your privacy, please give us a call at 1-866-252-5578 ext. 2197 or send an email to feedback@moneykey.com.
Maribel Malabanan provided me excellent customer service. I needed a payoff amount and it was immediately calculated for me for the two dates requested. Maribel answered my question and was very courteous and professional I was put to ease. Moneykey is very lucky to have a wonderful employee on staff. I plan to reloan and hope I have Maribel as my rep when I do. Thank you.
There lying crooks, paid 400.00 2 weeks early before my due date. Today would of been my first payment. I borrowed 1000. 00, I asked what my payoff would be and was told 900.00. Today I went to pay the 900.00 to pay off the loan and they raised my payoff 500.00 in two weeks to 1400. 00. My first payment wasnt even due until today. There scam artist, I hope everyone sees this and is aware.
Hi Shawn,
Thanks for taking the time to write us. You can visit our Rates & Terms page https://www.moneykey.com/rates-terms.php, or give us a call at 1-866-252-5578 ext. 2197 and we’d happy to help you with any questions you may have about reducing the total cost of your loan.
Fillippe was very nice, patient and quick with the loan process! He was extremely knowledgeable of the whole process and even caught a mistake with my payment dates and that definitely made a difference. I would recommend him 10 times out of 10 as a rep.
Thank you Fillippe for a wonderful customer service experience!
I started my application process as 10:30 this morning. It is now 12:44pm and still waiting for my documents to sign. I called and cancelled, not after giving waaay too much information. Talked to 5 different people throughout the process. Feel like they just give you the run around. Thanks for the help, NOT!
Hi Cindy,
We apologize for your experience. At MoneyKey we aim to make the loan process simple and convenient. If there is anything specific we can help you with, please do not hesitate to contact our Customer Care team at 1-866-255-1668. Thank you.
It was quick and easy to get answer about my account and easy to access my payments online. Irene was able to help me quick and easy. Sent link to my email had me fill it out and returned my phone call within minutes after receiving it.
I applied for their installment loan and had to confirm my bank with them. Getting in touch with a customer rep was fast and easy, both online and on the phone. A nice lady answered my queries promptly and professionally. She made the entire transaction smooth and easy.
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- Sitejabber’s sole mission is to increase online transparency for buyers and businesses
- Sitejabber has helped over 200M buyers make better purchasing decisions online
- Suspicious reviews are flagged by our algorithms, moderators, and community members
Hi Mykell,
We sincerely apologize for your most recent experience. As a MoneyKey customer you can always make additional payments or pay off your loan off in full any time, and there are penalties or fees for doing so. What you've described inconsistent with our policies and we would like to look further into your review. Please reach out to us directly at feedback@moneykey.com. Thank you.