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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. 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



  • Waived annual fee1
  • No collateral required
  • Competitive interest rates
  • Borrow up to your loan amount, repay, and borrow again
  • Can be used for overdraft protection with your KeyBank checking account2
  • 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.


The annual fee is waived for the duration the account is open if you are an owner on a KeyBank deposit account at the time of origination. If you do not own a KeyBank Deposit Account, you will be charged a $50 annual fee.


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

NMLS# 399797

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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