Credit Key
Help Center

Credit Key applications are available at the time of purchase on any of our partner merchant websites. Interested in working with one of our partners & applying for a Credit Key credit line? Reach out to our support team directly & we'll be happy to point you in the right direction!

Credit Key’s application process is simple and does not affect your personal credit. Applications are online through any of our partner merchants. You provide details about yourself and your business. Most customers are approved in seconds.

No, Credit Key does not change 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.
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• 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.

The requirements above don't describe my business

‍If your business falls in one of the following categories, it is eligible to apply for our Credit Key Enterprise Line of Credit where an owner/signatory is not required:

• $5 million+ annual revenue
• Publicly traded companyGovernment agency
• Municipality
• Not-for-profit organization
• School or educational institution

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 can borrow will depend on several 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 will depend on your approval. This may be spread across multiple purchases.

Your business can also request a manual line increase for up to $1M by contacting our customer support team.

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.

Your repayments will be made through your bank account. You will be given instructions to setup your bank on your CreditKey.com dashboard upon your application being approved. 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.

Your interest rates, and therefore your monthly payment, may vary. You can use this calculator to estimate your monthly payment amount.* 


*This calculator is meant to provide you with an estimate, not a guarantee.

We are able to process most business expenses with the exception of invoices for the following expenses:
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•  Payments to existing lending/financing companies (other lines of credit, business rent/mortgage, etc.)
•  Open financing bills (credit cards, business loans, etc.)
•  Subscription services
•  Payments for payroll or independent contractors
•  Illegal products or services
•  Personal use or payments to related entities
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We are able to finance any business purchases that you are making to a vendor for equipment, products or consumables. If you need to make a business purchase for a merchant not already partnered with Credit Key, please submit a Credit Key Anywhere request.

Yes, you can use Credit Key to buy multiple items at any time, as long as you are within your Credit Key trade credit limit.

Yes, if your personal credit is currently frozen, we are unable to move forward with your Credit Key application at that time.
Here is what you will need to do:

1) Please call Equifax: (800) 349-9960
2) Ask Equifax to unfreeze your personal credit (temporarily, if you wish).
3) Call us at Credit Key: 1-844-334-3636 -or- Email us: support@creditkey.com
4) Let us know your credit is now unfrozen.

We will review your application at that time.

If your application is pending, there are several reasons why this may be the case.
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Typically this means that..
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•  We don't have sufficient or correct information from the application
•  There may be a typo on the application
•  Further documentation is required to validate the business or
•  There was an issue with pulling your credit report

If your application is pending, then it is in review by our risk department and they will send you an email with next steps as soon as possible. The email will be sent from support@creditkey.com

‍Please allow some time for the review of your application to take place, and reply to the email from our risk team with the correct documentation to help expedite the process. If you have not received an email from our risk team, click here to chat with a live agent.

We're able to see if you qualify for an increased line of credit, but we need a bit of information from you (required by our banking partner, Lead Bank).
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Click this link to see if you qualify for more credit with just a few additional pieces of information!
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* Note: You will need to upload your last 3 months' business operating bank statements to your request. Please make sure the correct documents are uploaded to prevent any delays with your request *

‍Once your request has been submitted, please allow at least 1 business day for our team to review it.
Someone will reach out to you by email with next steps once the review is complete.

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

How do I get a refund?
If you would like to request a refund, please reach out to your merchant directly to have them authorize the refund on your order.  They can let you know if a return is possible and how much the refund will be, according to their own return policy. Once the refund has been processed with the merchant, please have their team email support@creditkey.com directly with a credit memo or confirmation of the total amount of the refund. Once we receive a notice of a refund from your merchant, we will apply the refund to your loan. Credit Key follows the merchant’s refund policy. Credit Key will not issue a refund on a loan without written authorization or a credit memo directly from the merchant partner.

*For Credit Key Anywhere Orders: If your refund has been approved by your Credit Key Anywhere merchant, the merchant must reimburse Credit Key with a bank transfer or by check for the refund prior to refunding the loan. If your merchant authorizes Credit Key to pull back the funds via bank transfer, please allow 2-3 business days to receive the funds. Once the funds are received, the refund will be applied to your loan.

*For Virtual Card Orders: Please have your merchant refund your virtual card directly, then reach out to support@creditkey.com to notify Credit Key. Virtual card refunds may take 1-2 business days to be reflected on the card. Once the refund is confirmed, the amount of the returned funds will be applied to your loan.

How do refunds get applied?
The way the refund is applied to your loan will depend on if you received a full or a partial refund.

If you received a full refund, Credit Key will cancel the loan and no further payments will be taken.
If you received a partial refund, the partial refund amount will be applied to your loan as a repayment. The repayment may cover your upcoming payment(s) or reduce the amount of your upcoming payment depending on the refund amount. To check on an updated payment schedule, please log in here: www.creditkey.com/app.

How will my payments be refunded?
If your loan was refunded in full and there have been payments made on the loan, Credit Key will refund the payments minus any interest paid back to your connected bank account within 7-10 business days. If your partial refund is greater than your balance owed on the loan, Credit Key will refund the difference minus any interest paid back to your connected bank account in 7-10 business days.

Do I still have to make payments?
Yes, please continue to make any monthly payments that are due until your merchant authorizes the refund on your order to avoid any penalties and to keep your account in good standing. Refunds take time. It is not uncommon for a merchant to take weeks to process a return so please be patient. We will update your loan as soon as the merchant finalizes the return on their side and notifies Credit Key.