KeyBank Home Improvement Loan

Fixed-rate, no-collateral loan for home updates and repairs.

Whether it’s for a new roof, replacing the furnace or that dream kitchen, a KeyBank home improvement loan can provide you the funds you need. Use this quick and simple loan to fix up your home, without using your home’s equity or credit cards.

Apply Now Rates & Fees

Overview

Interest Rate

Fixed interest rate

Loan Amount

Starting at $5,000

Term

Up to 84 months1

Flexible Payment Options

Yes

Origination Fee

$0

Collateral Needed

No

Manage in Online Banking

Yes

Features

  • Competitive interest rates
  • Flexible terms up to 84 months1
  • Funds can be available as soon as the same day2
  • No equity, collateral, home appraisal, or third-party inspections needed
  • No origination fee
  • Sign your loan documents easily and securely online with E-Sign3
  • Manage your loan in online and mobile banking
Apply Now Rates & Fees

All credit products are subject to credit approval.

1

Please refer to specific account disclosures for details. 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 $25,000 borrowed over 60 months at 11.99% APR, the monthly payment is $555.98.  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.

2

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.

3

E-Sign is only available for applications submitted at a KeyBank branch. E-Sign is not available for online applications.

To apply, you must:

  • Be 18 years of age or older
  • 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

MORTGAGES, PERSONAL LOANS AND CREDIT CARDS ARE NOT FDIC INSURED OR GUARANTEED.

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1-800-KEY2YOU® (539-2968)

Clients using a TDD/TTY device:
1-800-539-8336

Clients using a relay service:
1-866-821-9126

Schedule and Appointment

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Talk to a Branch Manager in your neighborhood.

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Find a Branch or ATM

call us

Call Us

1-800-KEY2YOU® (539-2968)

Clients using a TDD/TTY device:
1-800-539-8336

Clients using a relay service:
1-866-821-9126

Schedule and Appointment

Schedule an Appointment

Talk to a Branch Manager in your neighborhood.

Schedule an appointment now