Managing unexpected expenses can be stressful. With a CC Flow Line of Credit, you can get access to funds when you need them, without having to reapply each time. It’s a flexible solution designed to give you peace of mind and financial support when life doesn’t go as planned.
With a CC Flow Line of Credit, you only pay interest on what you borrow. You can request a draw as needed as long as you have available credit and your account is in good standing**. The process to submit a request is simple and quick, with clear repayment terms and no hidden charges.
The CC Flow Line of Credit is provided by CC Flow, a division of Capital Community Bank (CCBank), a Utah Chartered bank, located in Provo, Utah. Additionally, CC Flow maintains critical control over loan origination, underwriting approvals, and regulatory and compliance oversight management. MoneyKey is an authorized servicer of CC Flow. This means the CC Flow Line of Credit is available through MoneyKey and maintenance of your CC Flow Line of Credit account is through MoneyKey.
If your CC Flow Line of Credit account was opened before October 6, 2025, please refer to your credit agreement, or any amendments thereto, for your specific terms and conditions.
If approved, your credit limit will range between $500 and $3,500†.
A line of credit is an open-end form of credit, so there’s no fixed loan term. Because there’s not a set end date to your loan, you can continue to draw money from your line of credit as long as you’re making your minimum payment and have available credit.
You only pay interest charges at a fixed Annual Percentage Rate (APR) of 249% on the amount of credit you use and not your total credit limit. There are no additional fees.
If you have an Outstanding Balance, you will need to make Minimum Payments. Each Minimum Payment includes:
Minimum Payments can be due on a bi-weekly, semi-monthly or monthly basis and your due dates will generally align with your income frequency. The exact amount of each Minimum Payment will vary depending on your account activity.
Refer to your Line of Credit Agreement, or any amendments, for more details.
To demonstrate what is included in each Minimum Payment, let’s look at an example of a customer with a bi-weekly income frequency (14 days apart) who has an Outstanding Principal Balance of $2,000 for two billing cycles.
| Billing Cycle Example | ||
| Cycle 1 | Cycle 2 | |
| Outstanding Principal Balance | $2,000.00 | $1,980.00 |
| Principal Contribution (A) | $20.00 | $19.80 |
| Interest (B) | $191.01 | $189.10 |
| Minimum Payment Due (A+B) | $211.01 | $208.90 |
| Remaining Principal Balance | $1,980.00 | $1,960.20 |
APR of 249%
Disclaimer: This example assumes the customer makes a draw at the start of a billing cycle, only makes Minimum Payments and no additional draws are requested on their CC Flow Line of Credit. This example is for illustrative and informational purposes only. The actual Minimum Payment(s) due will depend on your individual account circumstances and activity.
In order to request a CC Flow Line of Credit, you must:
Please note that currently, no credit products offered through MoneyKey have rates that would meet the requirements applicable to lending to covered members of the US Armed Forces and their dependents.
Yes, you can. In fact, we encourage you to pay down as much of your CC Flow Line of Credit when you can. This can help to reduce the amount of total interest you pay over time.
Simply click “Apply Now” on the MoneyKey homepage or call the Customer Care team at 1-866-255-1668 and speak to a friendly Customer Care agent.
You need a personal bank account to apply for a CC Flow Line of Credit. Business bank accounts are not accepted.
Verifying your bank account helps to verify your identity and income and, if approved, ensures that funds from CC Flow are sent to the correct bank account.
There are a few ways to verify your banking information.
DecisionLogic and Flinks are free and secure services that provides a read-only snapshot of the recent transactions on your bank account to help process your request for credit quickly. Please note that you must currently use online banking to take advantage of these services and the services are not compatible with all banks.
Using DecisionLogic and Flinks is:
The CC Flow Line of Credit is provided by CC Flow, a division of Capital Community Bank (CCBank), a Utah Chartered bank, located in Provo, Utah. Requests for the CC Flow Line of Credit can be submitted through the MoneyKey website.
The CC Flow Line of Credit is currently offered in Alabama, Alaska, Arizona, Arkansas, Florida, Hawaii, Indiana, Kentucky, Louisiana, Michigan, Montana, Ohio, Oklahoma, and Wyoming. The CC Flow Line of Credit may be available in additional states in the future. Check back often to see if the CC Flow Line of Credit is available in your state of residence.
You can always reach MoneyKey by phone or online! Simply call the Customer Care team at 1-866-255-1668 or by email at [email protected]. You can also log into your online account to view important account information or request a draw.
A personal line of credit is an open-end credit product that allows you to make draws, repay and redraw from your available credit. If approved, you can have access to funds from CC Flow up to a specific credit limit. The benefit of a line of credit is that so long as you make your payments on time, more credit will be available for you to draw.
A personal loan, which includes installment loans, is a lump sum of money that is required to be paid back, usually with interest and/or fees. Installment loans are repaid over a period of time through a number of scheduled payments.
A personal Line of Credit through MoneyKey gives a borrower access to funds from CC Flow up to a maximum amount (or credit limit). Charges only accrue on credit withdrawn, not on the total credit limit. With a CC Flow Line of Credit, if there is an Outstanding Balance, a borrower will be required to make Minimum Payments. Depending on the borrower’s repayment activity, the borrower can make draws, repay and redraw as needed, so long as there is available credit and their account is in good standing.
If your request for an online personal Line of Credit is approved, you will receive an email notifying you of your approval.
Have more questions? Please refer to our general FAQs page or contact Customer Care at 1-866-255-1668.
