MoneyKey Line of Credit
Revolving credit that lets you borrow what you need, when you need it. You only pay interest on the amount you withdraw, not your entire credit limit.
Two Types of Lines of Credit Through MoneyKey
MoneyKey offers two distinct line of credit products. The availability depends on your state of residence:
MoneyKey Line of Credit
Issued directly by MoneyKey. Currently available to new customers in Tennessee only. Ideal for unexpected expenses in daily life.
| Issuer | MoneyKey (direct lender) |
| APR | Up to 292% |
| States | Tennessee |
| Credit Type | Revolving |
CC Flow Line of Credit
Issued by Quill Bank (Utah chartered, FDIC member) and serviced by MoneyKey. Available in 24 states with credit limits up to $3,500.
| Issuer | Quill Bank (FDIC member) |
| APR | Up to 249% |
| Max Credit | $3,500 |
| States | 24 states |
How a MoneyKey Line of Credit Works
A line of credit through MoneyKey works differently from an installment loan. Once approved, you receive a credit limit rather than a lump sum. You can draw funds up to that limit whenever you need them, as long as your account is in good standing. As you pay down the principal, your available credit replenishes, allowing you to borrow again without reapplying.
You are only charged interest and fees on the amount you actually withdraw, not on your entire credit limit. This can be more cost-effective if you need access to funds over time rather than all at once.
CC Flow Line of Credit States
The CC Flow Line of Credit is currently available in: Alabama, Alaska, Arizona, Arkansas, California, Delaware, Florida, Hawaii, Idaho, Indiana, Kansas, Kentucky, Louisiana, Michigan, Mississippi, Missouri, Montana, Nebraska, Ohio, Oklahoma, South Carolina, Texas, Utah, and Wyoming.