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Fast, Easy Financing with no Money Down!
You'll get a decision instantly. Checking your rate will not affect your credit score.
$50K
Up to $50k financing*
0%
Pay 0% for 30 days
1%
As low as 1% after 30 days
Get a Decision in Seconds
You'll get a decision instantly.
Checking your rate will not affect your credit score.
Simple and Affordable Terms
Choose either 4 interest-free payments or up to 12-month terms, depending on your order total.
Fast and Easy Financing
First 30 days are always interest-free. Get up to $50K credit instantly with no early repayment fees.
How it Works
1Add your items to cart. Look for Credit Key in Checkout.
2 Select Pay Over Time at Checkout. Log in or create your Credit Key account, get an instant credit decision.
3 Split your purchase into payments. Finance your order with easy payments and clear terms.
Eligibility Requirements
- Be an individual applying under your own name.
- Be an owner/signatory of business in application.
- Be a U.S. citizen or legal resident of minimum signing age in your state of residence.
- Have a FICO/credit score of 600 or higher.
- 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.
Note: Credit Key is not available at this time for individuals who are not owners/signatories of the business applying for financing.
Frequently Asked Questions
How do I apply and how long will the application process take?
Coming Soon...
What is my credit limit?
Credit Key offers credit limits of up to $50,000. Once 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.
How many repayments will I need to make?
Terms are available up to 12 months. You can choose repayment terms:
- Net 30 (first 30 days at 0% interest)
- 4 interest-free payments every 2 weeks
- Extended terms up to 12 months with fees starting at 1% per month
Can I buy more than one item?
Yes, you can use Credit Key to purchase multiple items at any time, as long as you are within your Credit Key trade credit limit.
Can I pay off my Credit Key loan early?
Absolutely. You are able to pay off your Credit Key loan at any time, with no fees or penalties for early repayment.
How are repayments made?
Repayments are made through your bank account. You will be provided instructions to setup your bank on your CreditKey.com dashboard upon application approval. An automatic bill payment will be issued and scheduled to transfer the funds on a predetermined date to pay a recurring bill. Automatic bill payments are routine payments, until the balance is paid off.
How can I increase my credit limit?
Currently, the only way to potentially increase your credit limit with Credit Key is by demonstrating a successful payment history with Credit Key loans, and/or achieving a higher personal FICO score with the credit bureaus.
**Credit Key is not a bank. Certain business-purpose loans made by Lead Bank and subject to credit approval.