'credit-conditional' originates from the combination of 'credit' and 'conditional', where 'credit' refers to the trust in someone's ability to pay back a loan, and 'conditional' means subject to one or more conditions.

'credit' and 'conditional' have been used separately in English since the late Middle Ages, and their combination into 'credit-conditional' is a modern usage to describe financial terms.

Initially, 'credit' and 'conditional' were used separately, but their combination now specifically refers to financial agreements dependent on credit terms.