A flexible new way for trade customers to manage purchases and payment timing.
Project timelines rarely wait for perfect cash-flow timing. Inventory needs to be secured, installation dates approach and the right furniture may need to be ordered before the next client payment arrives.
That is why Zuo has partnered with Credit Key to offer Buy Now, Pay Over Time—a flexible B2B payment option created for businesses.
Interior designers, furniture retailers, hospitality teams, home stagers, procurement companies and other qualified Zuo customers can apply online for a reusable Credit Key business line of credit. The application takes only a few minutes, and applicants can receive a real-time credit decision.
Flexible payment options for your business
Approved customers may qualify for a business credit line of up to $50,000 and can review available payment options before authorizing each purchase. Options may include:
- Net 30 terms with 0% interest for 30 days
- Pay in 4 interest-free installments
- Extended terms of up to 12 months, with fees starting at 1% per month
Your available limit and payment options are determined by Credit Key. You will see the applicable schedule and cost before committing to a payment plan.
Use Credit Key however you order from Zuo
Credit Key is not limited to website orders. Once approved, you can request to use your available Credit Key line for eligible Zuo orders placed:
- On zuomod.com
- Through your Zuo sales representative
- By phone
- By email
You can also apply before you have an order or project ready. That way, you can know your approved credit limit before sourcing products, preparing a proposal or finalizing a furniture package.
How it works
- Apply Online.
Complete the Credit Key application Today!
- Receive a credit decision.
If approved, Credit Key will provide your available credit limit.
- Place your Zuo order your way.
Order online, through your sales representative, by phone or by email. Let the Zuo team know that you would like to use your Credit Key line of credit.
- Select your terms.
When your order is ready for shipping, you will receive an email from Credit Key. Review the options available to you, select your terms and authorize the transaction.
- We release your order.
Once authorization is confirmed, Zuo will release and ship the order according to normal product availability and fulfillment conditions.
One application, multiple Zuo orders
Your Credit Key line is reusable. Subject to your available credit and account status, you can use it for multiple eligible Zuo orders without submitting a new application every time.
Whether you are furnishing a hotel, preparing a staged property, stocking a showroom or managing several design projects at once, Credit Key gives your business another way to coordinate purchasing with your schedule.
Ready to get started?
Want to learn more before applying? Explore Zuo’s Credit Key program, or contact your Zuo sales representative.
Required disclosure
Subject to credit check and approval. Limited payment options are available for purchases under $500.00. All Credit Key Loans made by Lead Bank. Visit creditkey.com for more info. Credit limits, available terms and fees vary. Instant credit decision not guaranteed.


