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Whether you need to make a big purchase, consolidate your debt,1 or cover an unexpected expense, we have smart borrowing options to help you meet your financial goals.

KeyBank Personal Loan

Bring your plans to life.

Apply Now Rates & Fees

KeyBank Loans and Lines of Credit

KeyBank Personal Loan Account 1 of 4

No collateral and terms that save money

  • Fixed rates you can budget around
  • Low interest to help you save money monthly
  • Flexible terms with up to 7 years to pay2
Schedule an Appointment

Large, no-collateral credit line you can access with checks or online

  • No annual fee
  • No collateral
  • Borrow up to your credit limit, repay, then borrow again
Rates & Fees

KeyBasic Credit Line Account 4 of 4

Revolving, unsecured credit line used for overdraft protection

  • Borrow up to your credit limit, repay, then borrow again as needed
  • Access online or in a branch
Rates & Fees

Why Borrow with Key

  • Competitive interest rates

    With competitive rates and a variety of flexible terms, you’ll find a loan or line of credit to meet your individual needs.

  • Keep track of your finances more easily

    Consolidate high interest debt and take advantage of a lower interest rate and one simple loan to manage.

  • Fast and easy access to money

    Whether funds could be available on the same day,3 a loan or line of credit with no collateral required, flexible terms, or flexible payment options, we have an option for you.

  • Secure online and mobile banking

    Sign on for 24/7 account access to make payments, transfer money, check balances, and view your statements online.

  • Key Financial Wellness Review®

    In just 30 minutes, an experienced banker will help you see where your finances stand and show you how to reach your financial goals. Schedule an appointment.


Savings vary based on rate and term of your existing and refinanced loan(s). Refinancing to a longer term may lower your monthly payments, but may also increase the total interest paid over the life of the loan. Refinancing to a shorter term may increase your monthly payments, but may lower the total interest paid over the life of the loan. Review your loan documentation for total cost of your refinanced loan.


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.

As an example, if you were to borrow $25,000 for 60 months and qualify for Key's as-low-as rate of 5.99% APR (as of 9/21/2021), within our lowest price market, your monthly payment would be $483.20. The APR may vary based on the state of residence. The APR charged by KeyBank across Key's footprint (OH, IN, MI, PA, NY, MA, CT, VT, ME, CO, ID, UT, WA, OR, AK) includes a 0.25% discount for electing to have the monthly payment automatically deducted from a KeyBank checking or savings account. Normal checking or savings account service charges apply. For loan terms greater than 60 months, you must meet additional credit requirements and KeyBank will add 0.25% to the stated APR.

To qualify for the "as low as" APR: 1) the term of the loan must be between 12-60 months; 2) the loan amount must be $25,000 or greater; 3) you must have an excellent credit profile, including a minimum FICO score of 780 or higher; and 4) automatic payment deductions from a KeyBank checking or savings account must be established. Rates are accurate as of 9/21/21.


Funds may be available as fast as same business day of application under the following conditions: (1) the product is a KeyBank Personal Loan or a KeyBank Secured Personal Loan; (2) certain underwriting criteria are met including, but not limited to, credit score; (3) loan funding does not require third-party payoff(s); (4) funds are deposited directly into a KeyBank account; and (5) complete loan signing by 2:00 p.m. ET 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.

All credit products are subject to credit approval.

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 Calculator

simplify your monthly payments by consolidating your bills.


secured vs unsecured loan: what's the difference?

See the difference collateral makes.

December 2019 secured vs unsecured loan: what's the difference?
Personal Loan

tackle high interest debt with lower rates.

tackle high interest debt with lower rates.

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1-800-KEY2YOU® (539-2968)

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