About Credit Key
Data updated- Website
- www.creditkey.com
- Category
- Money & Insurance
- Location
- United States · Los Angeles
- Status
- Unclaimed
- Last 12 months
- 20 reviews
- Replies to negative
- 44% (7/16)
Do you own Credit Key? Claim this profile for free and start replying to reviews.
Is Credit Key legit?
Credit Key (www.creditkey.com) has a 4.3 out of 5 rating on OK.one, based on 100 user reviews collected here. It is listed under Money & Insurance and its reputation is good. 81% of reviews are 4 stars or higher and 15% are 1 star; The business has replied to 44% of negative reviews; 20 of them were added in the last 12 months. Last updated 2026-08-10.
What people say
"We worked with Credit Key and…
"We worked with Credit Key and unfortunately, we are extremely disappointed. The promises they made during the onboarding process were not fulfilled. The credit approval process was unnecessarily delayed, and communication with their team was poor. Every time we reached out, we had to wait too long for a response, and decisions on issues were not made in a timely manner. Our experience with Credit Key was frustrating, and it added stress rather than value to our business. We would not recommend using their services if you're looking for a reliable business partner."
Reply from Credit Key2025-08-14
We're sorry to hear about your experience. We aren't able to locate an account under your business name, but would like to investigate this further. Please reach out to our support team so we can look into your situation further.
Extremely disappointed with this…
Extremely disappointed with this lender. They approved me for financing to purchase equipment, only to suddenly pull back the approval at the last minute. Their reversal completely stalled my purchase, wasted valuable time, and disrupted my business plans. The lack of transparency and accountability is unacceptable. If you’re relying on timely and dependable financing, do yourself a favor and avoid this lender. Too many red tapes. I agree with another review, this may be a scam. They request for all your financial documents after already being approved and then reverse the approval. Watch out for this company!
Reply from Credit Key2025-08-14
Hi there, we have a minimum 3 month time in business requirement in order for an account to be approved. Once your business has been operational for 3 months we can review your account status again. Our support team will be happy to process a review once you pass this milestone.
The quickest and easiest credit…
The quickest and easiest credit approval I have EVER experienced.
After nearly a year of 100% on time and…
After nearly a year of 100% on time and early payoffs, credit was declined completely.Like others here, credit decreased drastically without warning. Personal and business credit scores remained the same or improved over that time
THANK YOU verey mysh
Terrible service.
Slashed our credit
Like others here, we had our credit slashed by 75%. We used credit key for three different loans over the last three years. We just paid off the last one two weeks ago. We were never late on a payment, actually paid off 4months early. Owners fico is very good and business credit is exceptional.
Great Customer Service !!
Great Customer Service !!! Easy Payments for my budget !!!!!!!!
I was extremely pleased how well the…
I was extremely pleased how well the process Went with credit key .plan on being a life long relationship
Loved the streamlined application…
Loved the streamlined application process. Easy to use, no hidden fees and only took minutes to apply.
You want to make me pay for something I…
You want to make me pay for something I never received. They never shipped the computer and I finally cancelled it.
Start of season
Start of season, wanting to maintain cash flow, used credit key to maximize. Very very easy to to obtain and FLEXIBLE!! Will definitely utilize again. Thanks Credit Key!
Inadequate account reporting/reconciliation
Making purchases with Credit Key has been very simple. Attempting to reconcile the account has NOT been simple, however. There are no monthly statements sent. There is no single download that an account user can run to see purchases, payments, and interest charges in one document. We requested this information and days later have not yet received it. So, there is important room for improvement that we're hopeful to see made.
Horrible customer service
Horrible customer service, no phone number, take a day to get back to you. Dinged my credit and wasted my time.
Would Def Pick CreditKey for Business Lines of Credit
CreditKey has been easy and efficient to work with. Particularly with vendors who are vetted and in their systems already, the ease of getting invoices paid expeditiously is really nice. CK customer service is always there to help, in addition to a lot of online resources. My whiole experience to date has been a very positive one!
We were loyal customers
We were loyal customers. Spent thousands and always paid on time. We made final payment and they shut us down for no reason or warning. Not a good way to treat loyal customers.
What everyone else said.
Filled out on not thinking I was going…
Filled out on not thinking I was going to get approved but dang before I knew it I was approved love using the card!
Great option for running restaurant…
Great option for running restaurant business. Easy and straightforward process.