Sign On
  • Online Banking
    Sign On Form is Loading

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.


Interest Rate


Loan Amount

Minimum $5,000


Up to 60 months

Flexible Payment Options


Collateral Needed


Manage in Online Banking



  • 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

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 2:00pm 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 assumes 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. If the loan is paid off in the first 18 months, there will be a $150.00 penalty fee assessed. For loan terms greater than 60 months, KeyBank will add 0.25% to the stated APR.

As an example, if you were to borrow $20,000 for 84 months and qualify for Key’s as-low-as rate of 7.74% APR, your monthly payment would be $309.14. The APR may vary based on the state of residence. The 7.74% 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) and includes a 0.25% discount for electing to have the monthly payment automatically deducted from a KeyBank Checking or Savings Account, plus a 0.25% add for electing a term greater than 60 months.


E-Sign is only available for applications submitted at a KeyBank branch. E-Sign is not available for online applications.

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

Take Control of Your World. Take a Quick Step Towards Being Debt Free

If you think de-cluttering feels great, wait until you try it with your bills.

March 2020 Take Control of Your World. Take a Quick Step Towards Being Debt Free

Secured vs Unsecured Loan

See the difference collateral makes.

December 2019 Secured vs Unsecured Loan

Lines of Credit vs Loans

See which can work better for you.

December 2019 Lines of Credit vs Loans

Call Us

1-800-KEY2YOU® (539-2968)

Clients using a TDD/TTY device:

Clients using a relay service:

Schedule an Appointment

Talk to a Branch Manager in your neighborhood.

Schedule an appointment now

Find a Branch or ATM