Sign On
  • Online Banking
    Sign On Form is Loading

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.3


Interest Rate


Loan Amount

Minimum $5,000


Up to 84 months2

Flexible Payment Options


Origination Fee


Collateral 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 day3
  • Fixed interest rate
  • Flexible terms up to 84 months2
  • No origination fee and no collateral needed
  • Sign your loan documents easily and securely online with E-Sign4
  • Manage your loan in online and mobile banking

All credit products are subject to credit approval.


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 unless the loan term is 18 months or less. 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.


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.


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

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


Secure vs Unsecured Loan

See the difference collateral makes.

December 2019 Secure vs Unsecured Loan

Lines of Credit vs Loans

See which can work better for you.

December 2019 Lines of Credit vs Loans

Call Us


Clients using a TDD/TTY device:

Schedule an Appointment

Talk to a Branch Manager in your neighborhood.

Schedule an appointment now

Find a Branch or ATM