Buy Now, Pay Over Time for Business Purchases
We've partnered with Credit Key to give your business flexible payment options and keep your cash flow working. Get an instant line of credit and pay it back on your terms — from Net 30 up to 12 months.
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.
Flexible payment terms
First 30 days always interest-free. No early repayment fees.
Instant credit decisions
You'll get a decision immediately. Checking your rate won't affect your credit.
Larger, better lines of credit
Lines of business credit up to $50k. You only pay for what you use.
Eligibility requirements
- A valid U.S. business in good standing. Credit Key is for business purchases only — it isn't available for personal use.
- A personal guarantee is required on each order.
- A minimum personal FICO score of 600. Credit Key checks personal credit because of the guarantee, even though the account itself is a business account.
- A soft credit inquiry only — applying will not affect your credit score. There is no hard pull.
- Underwriting also considers your gross annual revenue, credit history and ability to repay, along with factors such as past bankruptcies or active collections on your personal credit report.
- A connected business bank account for automatic repayments.
Meeting these requirements does not guarantee approval. All applications are subject to Credit Key's underwriting and credit approval.
Getting started
What is Credit Key?
Credit Key is a business-to-business payment option that lets you buy what you need now and pay over time. You apply once, and if approved you get a revolving line of credit you can use at checkout — here and at any other merchant that accepts Credit Key.
How do I apply, and how long does it take?
Choose Credit Key as your payment method at checkout. The application takes a few minutes and you'll see your decision on the same screen. If you're approved you can finish your order straight away.
How much can I borrow?
Credit Key offers an instant decision on lines of credit up to $50,000. Higher limits may be available with additional documentation. Your limit depends on your business revenue, credit history and ability to repay.
Terms and cost
What does it cost?
The first 30 days are always interest-free on every purchase. If you choose a longer repayment plan, rates start as low as 1% per month. There's no cost to hold an open Credit Key account, and you only pay for the credit you actually use.
Your exact rate and available terms are shown before you confirm — you'll always see what you're agreeing to before you commit.
What payment terms can I choose?
Net 30 is available on every purchase, along with extended monthly plans up to 12 months. The options available to you, and their cost, are shown at checkout before you confirm the order.
How long does my credit line last?
Your approved limit is valid for at least six months. Credit Key refreshes all accounts every six months, and your limit or terms may go up or down at that point depending on your account history.
Can I use my line more than once?
Yes. It's a revolving line of credit — once approved you can use it again here, and at any other merchant that accepts Credit Key, without reapplying.
Paying and managing your account
How do I make payments?
Payments are taken automatically from the bank account you connect when you apply. Automatic payments don't begin until your order has been confirmed and shipped.
You can also pay early from your borrower portal. If you make a manual payment before a scheduled automatic one, Credit Key won't take a second payment that month.
Where do I see my orders and payment schedule?
Sign in to your borrower portal at borrower.creditkey.com. The Orders tab shows your past and active loans, upcoming payments and payment schedules, and lets you manage your account settings.
Can I add other people from my business?
Yes. You can add purchasing users from the profile section of your borrower portal, and there's no limit on how many. They can make purchases, schedule payments and view your payment history.
Returns and refunds
What happens if I return my order?
Start the return with us as normal — our usual returns policy applies.
Full refund: Credit Key cancels the loan and takes no further payments. If you'd already made payments, those are refunded (less any interest paid) to your connected bank account, typically within 7–10 business days.
Partial refund: the refunded amount is applied to your loan as a repayment. That may cover your next payment or reduce it.
Please keep making payments on schedule while a refund is being processed.
Need help?
Questions about your order — shipping, returns, products — contact us and we'll take care of it.
Questions about your credit line, application, payments or account — those are handled by Credit Key directly. Visit creditkey.com/support or sign in at borrower.creditkey.com.
Credit Key is a third-party financing provider. All credit lines, terms and rates are determined by Credit Key and are subject to credit approval. Available to eligible U.S. businesses only. Rates, terms and limits shown here are indicative — the terms offered to you are displayed before you confirm your order.