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Combine higher interest debt into one simple loan.1 Consolidation can put you in control by making your debt easier to manage, saving you time and money.2 This loan is flexible, so you can use it for just about anything. Applying is easy—online or in branch—and you could even have your money as soon as the same day.3

Overview

Overview of product features.
Interest Rate

Fixed

Loan Amount

Minimum $5,000

Term

Up to 84 months4

Flexible Payment Options

Yes

Origination Fee

$0

Collateral Needed

No

Manage in Online Banking

Yes

Features

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.

  • Flexible terms up to 84 months4
  • Fixed interest rate
  • There's no collateral required, and no origination fee or prepayment penalty
  • Funds can be available as soon as the same day3
  • Sign your loan documents easily and securely online with E-Sign5
  • Manage your loan in online and mobile banking
1

All credit products are subject to credit approval.

2

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.

3

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.

4

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 9.76% APR (as of 1/15/2021), your monthly payment would be $329.55. The APR may vary based on the state of residence. The 9.76% 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.

5

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
Debt Consolidation

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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:
1-800-539-8336

Clients using a relay service:
1-866-821-9126

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