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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 make a large purchase, home improvement or face unexpected expenses. It’s credit, simplified.


Interest Rate



Variable, principal plus interest

Loan Amount

$2,000 to $25,000

Flexible Payment Options


Annual Fee


Collateral Needed


Manage in Online Banking



  • No collateral needed
  • 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
  • Access your loan statements, check your balance and transfer funds with online banking
  • Unlimited check writing

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

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


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
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