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Consolidate high interest debt under one simple loan1 to help you save money and improve your financial wellness. Apply online or in a branch, and you can have your funds as soon as the same day.2


Overview of product features.
Interest Rate


Loan Amount

Minimum $5,000


Up to 84 months3

Flexible Payment Options


Origination Fee


Collateral Needed


Minimum Credit Score Needed


Manage in Online Banking



KeyBank personal loans can be great for debt consolidation; unexpected expenses, including medical bills and car repairs; or major life events, like weddings or dream vacations.

  • Funds can be available as soon as the same day2
  • Fixed interest rate
  • Flexible terms up to 84 months3
  • No origination fee
  • No collateral needed
  • No prepayment penalty fee
  • Sign your loan documents easily and securely online with E-Sign5
  • Manage your loan in online and mobile banking

All credit products are subject to credit approval.


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.


The actual rate and payment amount may vary and is determined by the product, term, loan amount and your credit qualifications. For loan terms greater than 60 months, borrowers must meet additional credit requirements and 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 7.49% APR, your monthly payment would be $306.67. The APR may vary based on the state of residence. The 7.49% 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 0.25% is added for electing a term greater than 60 months.


The minimum credit score to be approved for a Personal Loan is 640-680 (as of 8/26/2020). However, applicants must also meet additional underwriting criteria (including, for example, employment, debt-to-income, and credit history requirements).


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

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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1-800-KEY2YOU® (539-2968)

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