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FAQs

What is CCflow? ›

A CC Flow Online Line of Credit gives you quick access to cash when you need it. And you only pay on the cash you need and for the time you need it. All it takes is a simple application to get started.

With online applications available 24 hours a day, 7 days a week, much of the initial application is automated. All in all, it may take minutes to be approved, and you may receive your cash as soon as the next business day. That turnaround comes in handy during an emergency.

If you can't find what you are looking for, please call us at 1-866-255-1668 or email us at customercare@moneykey.com and our friendly Customer Care agents will be happy to help.

MoneyKey doesn't publicly list any credit score requirements, but as long as you have a stable income stream, a bank account and valid contact information, you could qualify for a loan even with poor or no credit.

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. Requests for the CC Flow Line of Credit can be submitted through the MoneyKey website.

As a responsible lender, credit services provider and loan servicer, payday loan alternatives, like Installment Loans and Lines of Credit, are offered through MoneyKey. Unlike payday loans, these types of loans are generally repaid over a period of time with multiple payments.

Legitimate Personal Loans Through MoneyKey

MoneyKey also arranges Installment Loans as a Credit Access Business and a Credit Services Organization in the state of Texas and services Lines of Credit offered by CC Flow, a division of Capital Community Bank.

Some lenders perform soft inquiries. As an online lender, Credit Service Organization, or Credit Access Business depending on the state, MoneyKey performs a soft inquiry when we review a loan application.

Believe it or not, some lenders may apply a fee, but not here at MoneyKey. We don't penalize our customers for making early or additional payments.

Credit score, income and debt-to-income ratio are the main factors lenders consider when reviewing applications. Paying down debts, increasing your income, applying with a co-signer or co-borrower and looking for lenders that specialize in loans within your credit band could increase your approval odds.

What credit score will I need to get a loan? ›

Payment history is weighed the most heavily in determining your credit score, along with your total outstanding debt. Generally, the required credit score for a personal loan is at least 580. To qualify for a lender's lowest interest rate, borrowers typically need a score of at least 800 and a high income.

MoneyKey's Flex-Pay loan can be deposited into your bank account within 24 hours. This allows you to quickly cover a necessary, immediate expense and then gradually repay the installment loan over time, in smaller more budget-friendly amounts.

Legitimate Personal Loans Through MoneyKey

MoneyKey also arranges Installment Loans as a Credit Access Business and a Credit Services Organization in the state of Texas and services Lines of Credit offered by CC Flow, a division of Capital Community Bank.

Cash flow and credit are the top two factors many lenders consider when evaluating applications for small business loans and financing. Cash flow indicates the ability to pay while credit represents the willingness to pay. Learn how to position your business for financing in 2024 and beyond.

The average rate for personal loans we track is about 20%. MoneyKey can have rates as high as 306%, which can cost you a fortune in interest. Only available in seven states. Only residents of Delaware, Idaho, Mississippi, Missouri, Texas, Utah, and Wisconsin can take out an installment loan with MoneyKey.