Credit Key is a B2B financing provider offering business lines of up to $50,000 at merchant checkouts. The first 30 days are 0%, then fees start at 1% a month. You need a 600+ FICO and $40,000+ in annual business income, and the owner personally guarantees each order.
About this page
Answers are drawn from Credit Key's public pages and third-party review platforms, checked on the date above. This site is independent and is not Credit Key.
Common questions
What is Credit Key?
Credit Key is a U.S. business-to-business financing provider. Merchants add it to their checkout so business buyers can pay later: 0% for the first 30 days, then plans with fees from 1% a month. Loans are made by Lead Bank.
How much can you get from Credit Key?
The standard maximum is $50,000, based on revenue, credit history and ability to repay. Larger lines are possible through a manual review with three months of bank statements.
What credit score do you need for Credit Key?
A personal FICO score of 600 or higher, plus at least $40,000 in annual business income. Applying is a soft inquiry.
How much does Credit Key cost?
Nothing if you pay within 30 days. After that, fees start at 1% a month and vary by loan amount. On a 6-month plan, 1% a month works out to roughly a 20% APR.
Is Credit Key legit?
Yes. It was founded in 2015, operates as Snap Credit, Inc. (NMLS 2162273), and holds 4.5 out of 5 on Trustpilot from 1,691 reviews.
Is this website Credit Key?
No. This is an independent information site. To apply for or manage a Credit Key account, go to creditkey.com. Our own request form is a separate personal-loan service through third-party lenders.
Who owns Credit Key?
Credit Key is the trading name of Snap Credit, Inc., a privately held company based in Los Angeles.
Which bank is behind Credit Key?
Lead Bank makes the business-purpose loans. The Credit Key Card is issued by Sutton Bank. Some merchant pages still name First Electronic Bank, which is out of date.
How do I apply for Credit Key?
At a partner merchant's checkout, in the Credit Key app, or in its Marketplace. See how to apply.
Does Credit Key do a hard credit check?
No. It states that applying is a soft inquiry. See credit check and guarantee.
Is there a personal guarantee?
Yes, on each order, unless you qualify for the Enterprise line.
How long are Credit Key terms?
Net 30, Pay in 4, or monthly plans. The FAQ lists up to 12 months; the borrower page advertises up to 24. See payment terms.
Can I pay off early?
Yes, with no fee or penalty.
What can I not buy with Credit Key?
Rent or mortgage, other loan or card bills, subscriptions, payroll or contractor payments, illegal goods and personal purchases.
What is the Credit Key Card?
A Mastercard that draws on your Credit Key line at vendors that have not integrated it. See the Credit Key Card.
Does Credit Key report to credit bureaus?
It reports to Dun & Bradstreet monthly.
Why was my Credit Key limit reduced?
Accounts are periodically refreshed and eligibility can change. See limit reduced.
How do I contact Credit Key?
(844) 334-3636 or support@creditkey.com, weekdays 9am–1pm and 2pm–6pm Central.
How do refunds work?
Start with the merchant, who must authorize the refund in writing. See refunds.
Is Credit Key the same as KeyBank?
No. They are unrelated companies.
Sources
- Credit Key — FAQs
- Credit Key — For borrowers
- Credit Key — The Credit Key Card
- Trustpilot — Credit Key reviews
Checked November 12, 2026. We link to primary sources so you can verify each figure yourself.