Credit Key offers Net 30 at 0%, Pay in 4 interest-free installments every two weeks, and monthly plans with fees from 1% per month. Its FAQ lists repayment of up to 12 months; its borrower page advertises terms of up to 24 months. Payments are collected automatically from your bank account.
The plans
| Plan | How it works | Cost |
|---|---|---|
| Net 30 | Pay the full amount within 30 days | 0% |
| Pay in 4 | Four installments, one every two weeks | Interest-free |
| Monthly plan | Equal monthly payments | Fees from 1% per month |
How payments are collected
Scheduled payments are drawn from your connected bank account. Setup instructions appear in your dashboard after approval. Keep the balance available on the due date to avoid a failed payment.
Choosing a plan
- If you can clear it in 30 days, Net 30 is free.
- For a few weeks of breathing room, Pay in 4 avoids fees.
- For large equipment, a monthly plan lowers each payment but adds a fee. Use the fee estimator first.
Need money in hand, not checkout credit?
Request a personal loan through our lender network. It is a separate service from Credit Key and the request is free.
Merchant net terms are a separate product
Credit Key also lets merchants extend Net 30, 60 or 90 day terms to their buyers. Whether you see those depends on the supplier, not on your Credit Key account alone.
The same $6,000 order on each plan
| Plan | Payments | Est. fee at 1%/mo | Total |
|---|---|---|---|
| Net 30 | 1 × $6,000 | $0 | $6,000 |
| Pay in 4 | 4 × $1,500 | $0 | $6,000 |
| 6 months | 6 × $1,060 | $360 | $6,360 |
| 12 months | 12 × $560 | $720 | $6,720 |
Illustrative, using the 1% floor. See Pay in 4 and Net 30 for detail on the free options.
If cash gets tight mid-plan
Contact Credit Key before a payment is due. A conversation before the date is treated very differently from a failed debit after it. Do not cancel the bank authorization without agreeing an alternative.
Common questions
Is Net 30 with Credit Key really free?
Yes. Credit Key charges 0% for the first 30 days on all purchases.
Can I change my plan after ordering?
Credit Key does not publish a plan-change policy. You can pay off early at no penalty; for anything else, contact support.
What happens if a payment fails?
Contact Credit Key before the due date if you expect a problem. Late-fee terms are in your loan agreement, and negative history is reported to Dun & Bradstreet.
Sources
Checked November 12, 2026. We link to primary sources so you can verify each figure yourself.