Requirements to Apply
If you meet the following requirements, you may be eligible for a Pay in 4 line of credit.
- Have a FICO®/credit score of 600 or above
- Be a U.S. citizen or resident, of minimum signing age in your state of residence
What you need to know about your approved consumer credit limit
Our Pay in 4 consumer credit line is currently only available through WebstaurantStore.com
What repayment options are available?
- Currently, Pay in 4 splits your total order amount into 4 equal payments taken every 2 weeks, with the first payment being due when the order is marked as shipped in our system (this action can vary from the actual physical ship date of the order - please check with your merchant directly if you have any order shipment questions).
If you're looking for an option with longer terms available, review if you're eligible to apply for a regular business line of credit by visiting Is my business eligible for Credit Key's B2B financing?
We'll pay the merchant directly, so you can pay us back over time
- Credit Key is a B2B/B2C payment solution to cover the cost of your order upfront and give you the option to pay back over time in a period of 8 weeks.
- Credit Key is an online lender, so the transactions take place online. No need to wait for a card in the mail.
Payments are automatically pulled to give you more time to focus on growing your business
- You will not have to worry about making your payments on time, as the payments start being pulled automatically on the day your order is marked as shipped and every 2 weeks after for a total of 4 payments, according to your confirmed payment schedule. To view your payment schedule, visit our borrower portal.
Please note that if you attempt an order using Pay in 4, even if the order is not completed, the authorization for the first payment may remain in your credit/debit card. This authorization will be voided within 3-5 business days. If after 5 business days is not voided, please reach out to creditkey.com/support for assistance.
There is no cost to have an open Credit Key account
- There is no cost to have an open account with Credit Key!
- Your automatic payments will not start until you’ve confirmed the order with your merchant, and the funds for the order have been disbursed to their bank.
- Each order is standalone and will have its own repayment schedule.
For any other questions, contact our team by visiting creditkey.com/support