How Credit Key Can Help

After selecting Credit Key at checkout, you will be automatically directed to Credit Key's application

Credit Key’s application process is simple and does not affect your personal credit. Applications are completed online after selecting Credit Key as the payment method at checkout. You provide details about yourself and your business. Most customers are approved in seconds.

No, Credit Key does not charge any setup fees. If you choose to go beyond 30 days, you can be approved as low as 1% per month.

Credit Key is a business account, however, we check personal credit as there is a personal guarantee on each order loan. Applying for Credit Key is a “soft inquiry.” This does not impact your FICO®/credit score.

Yes, Credit Key reports to Dun & Bradstreet.‍
+ As you place orders and make payments to Credit Key, this will be reported to Dun & Bradstreet on a monthly basis.
+ This monthly reporting can help you build a strong business credit score as a good payment history will be reflected.*
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*Negative payment history will also be reported to Dun & Bradstreet and can negatively impact your business credit score. If you'd like to learn more about Dun & Bradstreet's business credit report, please visit their website here.

To be eligible for Credit Key credit, you will need to:
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+Be an individual applying under your own name.

+Owner/Signatory of business in application

+Be a U.S. citizen or resident, of minimum signing age in your state of residence

+Have a FICO®/credit score of 600 or above

+Have a total annual business income of $40,000 or more

+Provide your Social Security Number 

+Have a nominated bank account or debit card for repayments.

Credit Key is not available at this time for individuals who are not owners/signatories of a sole proprietorship, company, partnership, corporation, or institutions.

Credit Key offers limits up to $50,000. Once you've qualified, you can use Credit Key for all of your business purchases, up to your maximum. You only pay for the credit you use, and the first 30 days is always free.

Credit Key is a responsible credit provider so exactly how much you are able to borrow will depend on a number of factors that we assess including your gross annual revenue, credit history, and your ability to repay. The maximum outstanding balance you can have with Credit Key at any one time is $50,000. This may be spread across multiple purchases.

Payments can be approved to extend up to 12 months. Routine, monthly repayments will occur until the balance is paid off.  Once you've qualified, you can use Credit Key for all of your business purchases, up to your maximum. You only pay for the credit you use, and only beyond 30 days.

Payments can be approved to extend up to 12 months. Routine, monthly repayments will occur until the balance is paid off.  Once you've qualified, you can use Credit Key for all of your business purchases, up to your maximum. You only pay for the credit you use, and only beyond 30 days.

Absolutely. You are able to pay off your Credit Key loan at any time, with no fees or penalties for early repayment.