Online direct lenders


Unsecured Personal Loans

MoneyKey and its third party lenders offer (and facilitate) payday loans, installment loans, and lines of credit to consumers via a safe and secure online platform.

Established in 2011 and a member of the Community Financial Service Association of America (CFSA) and the Online Lender's Alliance (OLA), MoneyKey is one of the fastest growing state licensed lenders today.

We are all about simplification and convenience

We know that we do not live in an ideal world where everyone has a safety net of cash. We also know how difficult, time consuming, and frustrating it is to borrow money from the bank or obtain credit. Our aim is to make this process simple and convenient and offer Americans, who have less than perfect credit, access to the cash they need.

Why Choose MoneyKey over Other Online Lenders

MoneyKey aims to remove the complexity and bureaucracy borrowers often experience when trying to borrow money. Our highly trained Customer Care team will review all terms and conditions with you to ensure you understand how borrowing and repayment work. Our team can be reached by phone, email or online chat for any follow up questions. MoneyKey understands taking out a loan is a serious and often daunting task and we are here to help you every step of the way.

  • MoneyKey works fast to get you the money you need, often by the next business day.
  • MoneyKey works with a third party lender in Ohio and Texas to act as a Credit Services Organization (CSO) and a Credit Access Business (CAB) in these two states, respectively.

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Interesting facts

  • Upside-Down, also known as negative equity, refers to owing more on a loan than the value of the asset for which the loan was used to purchase. Upside-down loans occur when the asset depreciates in value, or was overvalued when the buyer purchased the asset.
    For instance, given that most cars rapidly depreciate in value, it follows that...
  • In corporate finance, Structural subordination refers to the concept that a lender to a company will not have access to the assets of the company's subsidiary until after all of the subsidiary's creditors have been paid and the remaining assets have been distributed up to the company as an equity holder. For example, if a lender loans money to...