Build Now. Pay Over Time.

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.

Click the "Apply Here" 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.)

The application is quick and won't affect your personal credit. Click "Apply Here," provide a few details about yourself and your business, and most applicants are approved instantly.

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.

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.

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.

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.

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.

Your rate and monthly payment depend on your specific terms. 

Yes. You can make multiple purchases at any time as long as you stay within your approved credit limit.

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.

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.

Yes. You can pay off your balance at any time with no fees or penalties for early repayment.

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.