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Rating by Finanso®

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Credit Key


About lender

Credit Key is a B2B payment platform based on the pay-over-time principle. This platform provides pre-built payment integrations for e-commerce merchants. The integrations are based on First Electronic Bank short-term loans. As a result, the merchants gain client flow, and the customers get the opportunity to buy now and pay later by simply clicking "Buy with Credit Key".

Credit Key is based in Los Angeles, California, owned by Snap Credit, Inc., and has been operating since 2015.

Pros and cons

Small business loans nowadays are in high demand in the United States. Lenders offer different terms and conditions, and if you are looking for fast purchases for your business, it is important to evaluate the features of the payment platform.


  • 0% interest rate for 30 days

  • Straightforward approval procedure

  • No impact on credit score.


  • Available for US residents only

  • A credit score of 600 and higher is required to start the application process

  • Loan amounts are set on the $50,000 maximum.

Terms and conditions

Credit key is intended for B2B sales and offers small business loans of up to $50,0000 via a pre-built integrations payment system. Any entrepreneur can make purchases via an integrated Credit Key payment option and apply for a fixed amount of money to get a personal credit line immediately.

After loan approval, a borrower can spend the money to cover standard expenses like the procurement of supplies and equipment. The Service Terms prohibit the use of a Credit Key loan for such purposes as opening new loans in other financial institutions, buying illegal products, making purchases for personal use, and contractors' payments.

The service is interest-free for 30 days. After the end of the interest-free period, Credit Key charges a 1% interest rate per month for a period of up to 12 months maximum. In case of perceived difficulties in paying off a debt, it is important to know that Snap Credit, Inc. is approved for federal loans and SBA funding programs.

Funding a loan

A borrower sees Credit Key as a payment selection option at online checkout. You can find it along with credit card, PayPal, and other options when purchasing online. After a quick approval, you can immediately proceed with your purchase with a loan from the First Electronic Bank, a member of the FDIC.

Alternatively, you can create an account in advance to avoid waiting for approval during the purchase process. However, the approval process usually takes several minutes, so a preliminary sign-up is not needed. Payment delays can happen due to holidays or maintenance work, but any standard payment delivery process takes no more than one day.


What is Credit Key?

Credit Key is a B2B payment platform that provides a credit line based on the Buy Now Pay Later solution.

How do you use Credit Key?

You can see a Credit Key payment option when making purchases for business purposes. You simply select this option, go through a registration process and pay with a pay-over-time option from Credit Key.

Does Credit Key provide funding only to B2B?

Yes, this platform is available for B2B sales only. You can not purchase with Credit Key for personal use.

Company documents

Privacy Policy
Terms of service

Credit Key gives merchants and business buyers the ability to accelerate their growth.

© Credit Key

Calculate loan payments in Credit Key

Credit Key calculator will allow you to calculate an approximate payment schedule for the loan

Credit Key calculator
Interest rates are given in accordance with the rates of the Credit Key in Washington, D.C. as of 24.09.2022
Loan amount

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1000 $
50000 $
Loan term

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What to focus on before applying for a loan with Credit Key

To ensure the lender is legitimate, check if it meets the following criteria:

How do you know if a loan company is registered?

The lending company is registered with the US Securities and Exchange Commission (SEC) and has a tax identification number (EIN). Note that tribal lending companies operate under the jurisdiction of tribal laws, and they don't have to register with the SEC. But still, tribes must act under federal consumer protection laws enforced by the Consumer Financial Protection Bureau (CFPB) and Federal Trade Commission (FTC).

According to the FTC requirement, the lending company is registered in your state, excluding tribal lenders abiding by tribal and federal laws only. That is why tribal lending companies can charge interest rates exceeding your state's maximum.

Finally, the State Attorney General can verify the registration of the lending company if you need additional proof of whether it is legitimate.

If a US lending company scams you, please report to local law enforcement, your state attorney general, CFPB, or FTC.

Finanso® also recommends

Learn the total cost of a loan, including:

It will be best to read a loan agreement carefully before signing it. If any part of the agreement seems incomprehensible, do not hesitate to ask the lender about particulars.

Remember that you don’t have to make an immediate decision when considering getting a loan. However, you must be sure that you are ready to repay following your loan documents. If the lender’s terms and conditions are uncomfortable for you, you are free to search for another proposal, as there are about 780 lending companies in the US.

What’s the difference between Credit Key and a bank?

  1. You need to have a good credit history to qualify for a credit card with a bank. In contrast, even bad credit history debtors can borrow money from US lenders with personal or payday loans. 
  2. Interest rates and annual percentage rate for a loan with an online lending company are significantly higher than with a credit card released by a bank.
  3. Applying for an online loan with a lending company doesn’t require paperwork or even visiting their office. Instead, a borrower can apply entirely online and receive money via direct deposit on the next business day.
  4. The online lending business is high-risk for investors, and their capital is not protected from unfair borrowers.
  5. A loan with legitimate loan companies for bad credit is a simple but expensive form of borrowing to resolve financial hardship.
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