CREDIT KEY FINANCING
Build Now. Pay Over Time.
Get the products your business requires without putting a strain on your budget.
Looking for a better way to pay?
Our streamlined B2B Net Terms and Pay Over Time solution offers a hassle-free experience. Apply in minutes and receive an instant decision for:
* Credit lines can exceed $50,000 with additional documentation. Interest-free payment periods can increase beyond 30 days during promotional periods. Subject to credit approval.
Buy Now, Pay Later
How Credit Key Works
Make thoughtful purchases now and pay over time through Credit Key.
Step #1
Fill out the quick, easy application
Apply here or at checkout. Applying won't impact your credit.
Step #2
Receive an instant decision
View payment options and choose your payment terms from Net 30, 4 interest-free payments every 2 weeks, or extended terms up to 12 months.
Step #3
Enjoy Now
If approved, enjoy your purchase now and pay for it over time with low monthly installments.
Frequently Asked
Questions, Answered.
Your questions about Credit Key, answered.
What is Credit Key?
Credit Key is a trusted "buy now, pay over time" provider designed specifically for businesses. We've partnered with Credit Key to give you accessible, flexible payment options to help manage cash flow through a business line of credit. Get approved and pay it back on your terms, with options including Net 30 and extended financing for qualified businesses.
How do I apply for Credit Key financing?
Click the "Apply Now" button to start your application right on this page, or on any of our product pages while you're logged into your Pro account, or at checkout. You can get an instant credit decision for a line of credit up to $50,000, so you can make your purchase right away. (Instant decision not guaranteed.)
How does the application process work?
The application is quick and won't affect your personal credit. Click "Apply Now," provide a few details about yourself and your business, and most applicants are approved instantly.
Are there any setup charges or ongoing fees?
No. There are no setup fees, and you get 0% interest for the first 30 days on all purchases. If you choose a payment plan beyond 30 days, rates are as low as 1% per month after that. Actual rates and terms may vary based on customer qualifications.
Will my application impact my FICO or credit score?
No. Credit Key is a business account, though they do check personal credit since each order includes a personal guarantee. This is a soft inquiry and will not affect your personal FICO® score.
Does Credit Key report to credit bureaus?
Yes. Credit Key reports your orders and payments to Dun & Bradstreet on a monthly basis. Consistent on-time payments can help build your business credit score, while missed or late payments may be reported as well and could have a negative impact. Visit Dun & Bradstreet's website for more on business credit reporting.
What is my credit limit?
Credit Key offers lines of credit up to $50,000, based on factors like your business's annual revenue, credit history, and ability to repay. Once approved, you can use your credit line across multiple purchases and only pay for what you use, with the first 30 days always interest-free. If you need a higher limit, you can request a manual increase up to $1,000,000 by contacting Credit Key's customer support team.
How are repayments made?
Repayments are made through your bank account. After approval, you'll connect your bank account through your CreditKey.com dashboard, and automatic payments will be scheduled on a set date until your balance is paid off.
How much will my monthly payments be?
Your rate and monthly payment depend on your specific terms.
Can I use my remaining Credit Key line of credit at other merchants?
Yes. Your Credit Key line of credit isn't limited to purchases with us — once approved, you can use your available credit anywhere Credit Key is accepted, much like a traditional credit card at participating merchants. As long as you have available credit and the merchant accepts Credit Key, you can use the same line of credit across our partner network.
Can I buy more than one item?
Yes. You can make multiple purchases at any time as long as you stay within your approved credit limit.
My application is pending. What are my next steps?
A pending status usually means Credit Key's risk team needs additional information, there was an issue pulling your credit report, or further documentation is required. You'll receive an email from support@creditkey.com with next steps — please reply with any requested documents to help move things along. If you haven't heard back, you can chat with a live agent for an update.
How can I increase my credit limit?
You may qualify for a higher credit line. Contact Credit Key's support team to start the request — you'll need to provide your last 3 months of business bank statements. Submitted requests are typically reviewed within 1 business day, and Credit Key will follow up by email with next steps.
Can I pay off my Credit Key balance early?
Yes. You can pay off your balance at any time with no fees or penalties for early repayment.
How do I get a refund?
Contact us directly to request a refund, and we'll help process your return according to our return policy. Once approved, we'll notify Credit Key with confirmation of the refund amount, and they'll apply it to your loan. For Credit Key Anywhere orders, we reimburse Credit Key by bank transfer or check before your loan is refunded, which can take 2-3 business days. For virtual card orders, your refund is applied directly to your card and may take 1-2 business days to reflect, after which Credit Key should be notified to update your loan.