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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 months1

Flexible Payment Options


Collateral Needed


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  • Funds can be available as soon as the same day2
  • Preserve your cash and secure your loan with a KeyBank CD, savings or investment account
  • Great interest rate and extended term options
  • Choose the best repayment plan for you
  • Access your loan statements, check your balance and make payments in online banking

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 4.99% APR (as of 9/21/2021), within our lowest price market, your monthly payment would be $471.67. 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.

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) 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. 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

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