Home Improvement Loan
Fixed-rate, no-collateral loan for home updates and repairs.
Today's rates as low as 8.49% APR.1,2
Whether it’s for a new roof, replacing the furnace, or that dream kitchen, a KeyBank home improvement loan can provide you with the funds you need. Use this quick and simple loan to fix up your home, without using your home’s equity or credit cards.
Rates based on 43230 ZIP code |
Overview
| Interest Rate | Fixed, as low as 8.49% APR1,2 |
|---|---|
| Loan Amount |
Starting at $5,000 |
| Term | Up to 84 months3 |
| Flexible Payment Options |
Yes |
| Origination Fee |
$0 |
| Collateral Needed |
No |
| Manage in Online Banking |
Yes |
Features and Benefits
- Affordable and flexible
Competitive interest rates and no origination fee, plus flexible terms of up to 84 months.3
Estimate my payments - Fast and convenient
Loans can be funded as soon as the same day4 and no equity, collateral, home appraisal, or third-party inspections are needed. - Easy to manage
Sign your loan documents quickly and securely online with E-Sign5 and manage your loan anytime in KeyBank online banking.6,7
Estimate your monthly payment.
Rates based on 43230 ZIP code |
Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment, financial, or legal advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek peronalized advice from qualified professionals regarding all personal financial issues. Calculators do not include the fees and restrictions that certain products may have. Please visit the applicable banking product pages on key.com for specific terms and conditions, or visit any KeyBank branch to discuss what products may be appropriate for you.
All credit products are subject to credit approval.
To apply for a Home Improvement Loan, you must:
- Be 18 years of age or older
- Have a valid Social Security number
- Live within the following states: AK, CO, CT, ID, IN, MA, ME, MI, NY, OH, OR, PA, UT, VT, or WA
- Agree to provide additional personal and business information, if requested, such as tax returns and financial statements
- Certify that all information submitted in the application is true and correct
- Authorize the bank and/or a credit bureau to investigate the information on the application
The rates shown are as of September 22, 2025, and subject to change without notice. To obtain the lowest rate, borrowers must have an excellent credit profile including a minimum FICO score of 780 or higher. A borrower’s actual eligibility and rate will be based on the amount of credit requested, loan term, credit profile and other factors.
The quoted Annual Percentage Rate ("APR") includes two separate discounts totaling 1.00%.
A 0.25% interest rate discount for electing, prior to loan closing, to have the monthly payment automatically deducted from a KeyBank checking account ("Auto-Pay"). Standard checking account service charges may apply. If you choose not to enroll in Auto-Pay, the associated discount will not be applied. The Auto-Pay interest rate discount may be combined with the KeyBank Relationship Banking discount.
Additionally, the quoted APR includes a 0.75% interest rate discount for relationship benefits. To receive relationship benefits on a new KeyBank personal loan, you must have owned a Relationship Account at any time during the loan application process. The 0.75% interest rate discount is permanent and will be reflected in the interest rate on the Promissory Note.
"Relationship Account" means an open and unrestricted (A) "Eligible KeyBank Consumer Checking Account" with five (5) or more Qualifying Transactions posted to a single Eligible KeyBank Consumer Checking Account in a calendar month, which may not be aggregated across other accounts you own, or (B) Key Private Bank Checking or Key Private Bank Personal Checking account.
An "Eligible KeyBank Consumer Checking Account" means: any KeyBank consumer checking account designated as a personal checking account by KeyBank, including KeyBank's Hassle-Free checking account, but excluding a health savings account.
"Qualifying Transactions" include, but are not limited to, point of sale transactions, bill payment(s), ATM transactions, check, cash or direct deposits, and electronic funds transfers. Qualifying Transactions exclude adjustments, advances, reversals, refunds, account-to-account transfers, person-to-person transfers, interest, service charges, and service fees. Qualifying Transactions must be completed at least four days prior to application to be eligible for inclusion in determining whether you met the "Relationship Account" portion of the "Bank with Key" criteria.
The actual rate and payment amount may vary and is determined by the product, term, loan amount and your credit qualifications.
Representative example of repayments terms for a home improvement loan: For $20,000 borrowed over 60 months at 11.80% APR, the monthly payment is $442.87. This example is an estimate only and assumes all payments are made on time. If the loan is paid off in the first 18 months, there will be a $150.00 penalty fee assessed unless the loan term is 18 months or less. For loan terms greater than 60 months, you must meet additional credit requirements and KeyBank will add 0.25% to the stated APR.
Funds may be available as fast as same business day of application under the following conditions: (1) certain underwriting criteria are met including, but not limited to, credit score; (2) loan funding does not require third-party payoff(s); (3) funds are deposited directly into a KeyBank account; and (4) complete loan signing by 2:00 p.m. ET on a day that the bank is open for business. Income verification may be required, which may delay availability of funds. Additional conditions may apply. All credit products are subject to credit approval and other program terms.
E-Sign is only available for applications submitted at a KeyBank branch. E-Sign is not available for online applications.
Subject to terms and conditions in Service Agreement.
Message and Data rates may apply from your wireless carrier.
