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For personal credit line customers experiencing hardship related to COVID-19, KeyBank will offer a payment deferral for three billing cycles of your regularly scheduled monthly payments. Please note that the deferral does not stop interest from accruing, but that late fees will be suspended.

What is a payment deferral?

With a payment deferral, you won’t have to make a payment until your deferral period ends. Although you will not be required to make a minimum payment during your deferral period, your account principal balance will not decrease, and interest will continue to accrue. As a result, your next regularly-scheduled payment after the deferral period ends may be higher than your regular monthly payment amount prior to the deferral period.

What is the impact to my credit report if I elect to receive a payment deferral?

If you are current at the time you elect to receive a payment deferral, we will not report your account as delinquent as a result of your payment deferral.

How can I request payment relief?

In order to request a payment deferral of your regularly scheduled payments, including principal and interest, please complete the form below.

By submitting the below form, you hereby certify that you are experiencing a financial hardship due, directly or indirectly, to the COVID-19 emergency and you are requesting a deferral of three (3) months of payments on your loan, and for any additional payments necessary to cure an existing delinquency. If approved under this agreement, your obligation to make monthly payments will be suspended for the months approved for deferral, with regular monthly payments resuming thereafter. While no payments are made on the account, the principal balance will not decrease, and interest will continue to accrue during this period. As a result, your first payment due after the deferral period may be substantially larger than your last monthly payment amount prior to the deferral. If you follow the terms of the plan as stated above, your loan will be current at the end of the plan; however, we will continue to work with you in order to attempt to resolve any remaining issue if you are still experiencing a hardship at the end of the deferral period.

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