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If you’re planning to purchase a jet ski, snowmobile, ATV or tractor, get approved for a KeyBank secured personal loan before you shop, so you can save money by negotiating like a cash buyer.


Overview of product features.
Interest Rate


Loan Amount

Minimum $5,000


Up to 60 months

Flexible Payment Options


Collateral Needed


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  • Funds can be available as soon as the same day1
  • Preserve your cash and secure your loan with a KeyBank CD, savings or investment account
  • Great interest rate and extended term options2
  • Choose the best repayment plan for you
  • Access your loan statements, check your balance and make payments in online banking

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


The APRs assume use of the bank’s optional automatic payment deduction plan from a KeyBank checking or savings account. Add 0.25% to the stated rate when an automatic deduction plan is not established from a KeyBank checking or savings account. Normal checking or savings account service charges apply. 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 $20,000 for 84 months and qualify for Key’s as-low-as rate of 8.00% APR, your monthly payment would be $405.56. The APR may vary based on the state of residence and includes a $125.00 origination fee and assumes use of the bank's optional automatic payment deduction plan from a KeyBank checking and savings account. The 8.00% APR is an average APR charged by KeyBank across Key’s footprint (OH, IN, MI, PA, NY, MA, CT, VT, ME, CO, ID, UT, WA, OR, AK).

All credit products are subject to credit approval.

NMLS# 399797

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


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