MoneyKey Reviews 4,973

TrustScore 4.5 out of 5

4.5

While we don't verify specific claims because reviewers' opinions are their own, we may label reviews as "Verified" when we can confirm a business interaction took place. Read more

To protect platform integrity, every review on our platform—verified or not—is screened by our 24/7 automated software. This technology is designed to identify and remove content that breaches our guidelines, including reviews that are not based on a genuine experience. We recognise we may not catch everything, and you can flag anything you think we may have missed. Read more

Review summary

Created with AI, based on recent reviews

Evaluating 518 reviews, reviewers overwhelmingly had a great experience with this company. Customers frequently highlight the excellent service and user experience, noting the ease and speed of the entire process from application to receiving funds. The staff is consistently praised for being knowledgeable, patient, friendly, and helpful, providing great customer service and communication. Many appreciate the company for being a reliable financial partner that offers much-needed assistance during tough situations and emergencies, with quick deposits and manageable repayment plans. However, some people mentioned dissatisfaction with payments, citing concerns about high interest rates, endless payment cycles, and balances not decreasing despite regular payments. A few other people also felt that the company treated them poorly or that the agents were unhelpful.

What people talk about most

Payment

Users describe ambiguous interactions with payment, with many reviewers appreciating the quick and easy... See more

Service

Reviewers express satisfaction with the service, highlighting its speed, ease of access, and reliability,... See more

User experience

Customers consistently note positive experiences with user experience, highlighting the ease and speed of the... See more

Customer service

Consumers find customer service to be positive, with many reviewers highlighting the helpfulness, kindness,... See more

Staff

Reviewers highlight positive aspects of staff, often describing them as knowledgeable, patient, and friendly,... See more

Reviews shaping this summary

Rated 5 out of 5 stars

This is my first experience with a line of credit. MoneyKey made the entire process so easy and fast. Their staff is knowledgeable, patient and friendly. I'm delighted to have MoneyKey as a financial... See more

Rated 5 out of 5 stars

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... See more

Rated 5 out of 5 stars

Hi, My name is Henry Mc Iver , the experience with money key was fantastic the service was great. Good communication and the agreement was very good you get qualified for your line of credit and used... See more

Rated 5 out of 5 stars

When there was no one else to help me and no place else to go.I found MoneyKey, who decided to give me a chance. Gave me the line of credit that I desperately needed, with oayments manageable, and the... See more


Company details

  1. Non-bank financial service
  2. Loan agency
  3. Mobile Money Agent

About MoneyKey

Written by the company

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 day2.


Applications submitted on the MoneyKey website may be originated by one of several 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 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.

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.

MoneyKey - Get the Money You Need Quickly!

Written by the company

MoneyKey removes the complexity that consumers often experience when trying to borrow money.
We understand that taking out a loan is a serious and often daunting task, and we are here to help you every step of the way. Our highly trained Customer Care team will review important terms and conditions with you to ensure that you understand how the borrowing and repayment process works. To find out if you qualify for one of our products, simply visit our website or call us toll-free today.

No hidden fees!

We’re committed to providing transparent products and services.

With an online loan through MoneyKey, you will not be surprised with any hidden fees. You can pay off your balance in full or make additional payments at any time. No cash advance fees, late fees, early payment fees, or annual fees. Please refer to our Rates and Terms page for further details on the cost of the product available in your state of residence.

Contact info

4.5

Excellent

TrustScore 4.5 out of 5

5k reviews

5-star
4-star
3-star
2-star
1-star

Asks customers to review

This company invites their customers to review, whether positive or negative

Replied to 92% of negative reviews

Typically replies within 1 week

How this company uses Trustpilot

See how their reviews and ratings are sourced, scored, and moderated.

Companies on Trustpilot aren't allowed to offer incentives or pay to hide reviews. Reviews are the opinions of individual users and not of Trustpilot. Read more

Rated 1 out of 5 stars

Too high of interest

Too high of interest

12 May 2026
MoneyKey logo

Reply from MoneyKey

Hi Tina,
Thank you for your feedback.
If you have any specific questions, please contact us at 1-866-255-1668.

Rated 5 out of 5 stars

Swift response and service

My experience was great due to the fact that I needed assistance and I received a swift response and service with this lender. Easy accessible website as well.

12 May 2026
Rated 1 out of 5 stars

I would be nice if they'd deny you…

I would be nice if they'd deny you before you enter your bank information. Very suspicious. I don't trust them.

15 May 2026
Unprompted review
MoneyKey logo

Reply from MoneyKey

Hello Frank,
We appreciate you taking the time to share your concerns.
Please note that MoneyKey operates in compliance with all applicable federal and state regulations, and we are happy to answer any questions you may have.
Please feel free to reach out to us at feedback@moneykey.com. Thank you.

Rated 5 out of 5 stars

MONEYKEY & ME!

I would say that with MoneyKey (CC Flow), I experienced a non-complicated online application process and quick response time when it came to receiving my Line of Credit Funds, which is ideally what anyone in need of emergency financial assistance requires. So, I was especially pleased with that and their manageable repayment plan. All in all the entire process thus far has gone well.

5 May 2026

The Trustpilot Experience

Anyone can write a Trustpilot review. People who write reviews have ownership to edit or delete them at any time, and they’ll be displayed as long as an account is active.

Companies can ask for reviews via automatic invitations. Labeled Verified, they’re about genuine experiences.

Learn more about other kinds of reviews.

We use dedicated people and clever technology to safeguard our platform. Find out how we combat fake reviews.

Learn about Trustpilot’s review process.

Here are 8 tips for writing great reviews.

Verification can help ensure real people are writing the reviews you read on Trustpilot.

Offering incentives for reviews or asking for them selectively can bias the TrustScore, which goes against our guidelines.

Take a closer look