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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.


Interest Rate

Low, fixed interest rate

Loan Amount

Starting at $5,000


Up to 84 months2

Flexible Payment Options


Origination Fee


Collateral Needed


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  • Funds can be available as soon as the same-day1
  • Flexible terms up to 84 months2
  • 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

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 2:00pm EST 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.


The APRs assumes use of the bank’s optional automatic payment deduction plan from a KeyBank checking or savings account at time of account origination. Add 0.25% to the stated rate when an automatic deduction plan is not established from a KeyBank checking or savings account. Normal checking or savings account service charges apply. 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. 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.

As an example, if you were to borrow $25,000 for 84 months and qualify for Key’s as-low-as rate of 7.34% APR as of 9/12/19, your monthly payment would be $381.49. The APR may vary based on the state of residence. The 7.34% APR is an average APR charged by KeyBank across Key’s footprint (OH, IN, MI, PA, NY, MA, CT, VT, ME, CO, ID, UT, WA, OR, AK) and includes a 0.25% discount for electing to have the monthly payment automatically deducted from a KeyBank Checking or Savings Account, plus 0.25% is added for electing a term greater than 60 months.


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

All credit products are subject to credit approval. NMLS# 399797.

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
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