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.
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.