Choose from any of our lending partners - Credit Key & Affirm

  • Credit Key offers simple monthly terms in seconds, for business purchases.
  • Net 30 Terms with the first 30 days interest-free. No early repayment fees.
  • Choose up to a 12-month repayment term.
  • Requires FICO over 600, annual business revenue over $40k, no bankruptcies or open collections.
  • Get a Decision in Seconds. You'll get a decision immediately. Checking your rate will not affect your credit.
  • No need to apply with every transaction, reuse your credit after paying any open balance
  • Monthly Payments with no hidden fees
  • No Fees & Real-time approval process for fast funding
  • Loan terms of 3, 6, 12, or 18 months
  • Flexible Payment - pay monthly with a debit card or bank transfer
  • Soft credit check for approval - won’t affect your credit - see if you qualify

Financing FAQ & Disclosures

Applying is quick and easy. Simply select Credit Key at checkout or through our financing page, complete a short online application, and get an instant decision. The process usually takes just a few minutes and will not affect your personal credit score for pre-qualification.
Qualified businesses can finance purchases up to $50,000 with terms from 30 days up to 12 months. Interest-free terms may be available for shorter repayment periods if paid within the promotional window.
There are no hidden fees or prepayment penalties. You’ll only pay interest if you choose a longer repayment term beyond the promotional interest-free period.
Payments are made directly to Credit Key through your online Credit Key account. They’ll send you regular reminders, and you can manage your payment schedule at any time.
Applying for pre-approval does not affect your personal credit score. If you accept financing, Credit Key may report payment history, which can help build your business credit profile.
You can pay off your balance in full at any time without any prepayment penalties. Doing so may help you save on interest if you’re using extended terms.
All account management and payment inquiries go directly through Credit Key’s customer support team. You can reach them by phone or email — their contact details are provided in your Credit Key welcome email.
For micro-increases (Less than $1k), you can live chat with our support team to get this resolved quickly: https://www.creditkey.com/support For larger increases (more than $1k), you can submit an increase request using this link: https://www.creditkey.com/credit-key-increase-request
Yes — you can return an item you bought with Affirm by initiating the return process with the store.
No, your credit won’t be affected when you create an Affirm account or check your eligibility (including checking your pre-qualification eligibility). When you apply for or check to see if you prequalify for Affirm financing, it’s considered a soft inquiry, which does not affect your credit. If you decide to pay with installments through Affirm, your payment plan and repayment activity may be reported to credit bureaus. You can find more information on Affirm’s Help Center.
Yes, you’ll need a mobile phone number from the U.S. or U.S. territories. This helps Affirm verify it’s really you who is creating your account and signing in.
You can visit their website at http://affirm.com.

¹Affirm Disclosure - Rates from 0-36% APR. For example, a $700 purchase might cost $63.18/mo over 12 months at 15% APR. Payment options through Affirm are subject to an eligibility check and are provided by these lending partners: affirm.com/lenders. Options depend on your purchase amount, and a down payment may be required. See affirm.com/licenses for important info on state licenses and notifications.

²Credit Key Disclosure - Credit Key offers a dynamic line of credit, distinct from traditional leases or financed loans, providing the versatility to acquire equipment and supplies as required. Eligible applicants can access a line of credit up to $50,000, with a flexible 12-month repayment period. Pre-approval for a specific credit amount is available prior to placing an order.

To qualify for Credit Key financing, applicants must meet the following criteria:

  • Apply as an individual under their own name.
  • Hold the position of owner or signatory for the business involved in the application.
  • Be a U.S. citizen or resident of legal signing age in their state of residence.
  • Possess a FICO®/credit score of 600 or higher.
  • Demonstrate an annual business income of at least $40,000.
  • Provide their Social Security Number.
  • Furnish their business's Employer Identification Number (EIN). For Sole Proprietorships, without a Federal EIN, state registration documentation of the business is required.
  • Have a designated bank account or debit card for repayment purposes.

The application process for Credit Key is simple and does not influence your personal credit score. Importantly, there are no setup fees associated with Credit Key. For durations extending beyond 30 days, favorable terms are available, with rates as low as 1% per month. Applying for Credit Key involves a "soft inquiry," which does not affect your FICO®/credit score.

*Financing Disclosure - ATL Diesel is not a financing entity and does not offer direct financing to customers. The Net 30 Terms and 0% APR Offers mentioned are potential financing or leasing opportunities via third-party partners, as indicated on our website. These options are provided for informational purposes only; ATL Diesel does not endorse or guarantee specific terms or rates. Customers should conduct their own research and engage directly with our partners to fully understand the terms of any financing or leasing options. For tax-related matters, including Section 179 specifics, customers should consult their own accountant or financial advisor. ATL Diesel does not provide accounting services or advice.

© 2026 ATL Diesel. Affirm logo and design are registered trademarks of Affirm, Inc. Credit Key design Snap Credit, Inc.