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Open a line of credit to access when you need to, so you won’t have to apply for a new loan each time you have unexpected expenses, need overdraft protection, or need short-term financing for large purchases. The interest rate on your line is typically lower than most credit cards and it's easy to access funds in online and mobile banking. It’s credit, simplified.


Overview of product features.
Interest Rate



Variable, principal plus interest

Loan Amount

$2,000 to $25,000

Flexible Payment Options


Annual Fee


Collateral Needed


Manage in Online Banking



  • Competitive interest rates
  • No annual fee
  • No collateral required
  • Borrow up to your loan amount, repay, and borrow again
  • Can be used for overdraft protection with your KeyBank checking account1
  • Flexible payment options, including automatic payments
  • Many ways to access: online banking transfers, unlimited check writing, branch teller transactions

View KeyBank’s current Preferred Credit Line Agreement & Disclosure.

All credit products are subject to credit approval.


Your credit line may not be used for overdraft protection on a KeyBank Hassle-Free Account®.

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
Debt Consolidation

paying off debt is doable with these options and offers.

Online & Mobile Banking

simplify your banking with 24/7 account access.

It’s like a baby monitor but for your sweet, cuddly money.

March 2018 simplify your banking with 24/7 account access.
Tools & Resources

what to bring with you to the bank.

March 2018 what to bring with you to the bank.

Call Us

1-800-KEY2YOU® (539-2968)

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Clients using a relay service:

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