Credit cards often carry higher, variable interest rates. CredKey connects you with lending partners who offer structured, fixed-rate personal loans - designed to lower monthly payments and help you pay off balances faster.

No. All loans facilitated through CredKey’s network are unsecured, you don’t need to put up your home or car as collateral.

Rates depend on your credit profile, loan amount, and term. Final details are determined once we speak with you and review the available lender options to make sure you’re matched with our best possible partner, without affecting your credit score.

No.

Checking your rate uses a soft credit inquiry, which does not affect your credit score.

Pre-approval simply means you meet the basic initial criteria from a lending partner. Final approval happens after a full application review, including income verification.

Most clients use personal loans for debt consolidation, credit card payoff, or large expenses, but funds can generally be used for almost any personal purpose.

Most of our lending partners don’t charge prepayment penalties, meaning you can pay off your loan early at any time to save on interest.

Some partners may have specific terms, so your representative will confirm the details when reviewing your options by phone.

Once you apply, a CredKey representative will review your information and connect with you to discuss the options you qualify for. From there, you’ll select the option that best fits your needs, and we’ll guide you through the next steps.

CredKey partners only with verified, U.S. based lending institutions and uses encrypted data transmission to protect your information at every step.