Crossword Genius

Time to arrange loan, having a key (5)

Ross

I believe the answer is:

tonal

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'having a key' is the definition.
I can't judge whether this definition defines the answer.

'time to arrange loan' is the wordplay.
'time' becomes 't' (abbreviation).
'to arrange' is an anagram indicator.
'loan' is an anagram of 'onal'.
't'+'onal'='TONAL'

Can you help me to learn more?

(Other definitions for tonal that I've seen before include "According to musical key" , "Relating to conventional keys and harmonies" , "To do with vocal or musical sound" , "Relating to music using conventional harmony" , "of sound quality" .)

I've seen this clue in The Mirror.
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