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Take control of your debt & take a step toward financial wellness

With the right consolidation plan, you can tackle debt and get your finances back on track.

Debt Consolidation Benefits

Consolidation can make debt easier to manage and save you money, so you can focus on what matters most.

  • Pay fewer bills when you consolidate multiple payments to one balance
  • Save money when you shorten the term over which you repay your debt
  • Take control of your money with a monthly repayment plan you can budget for
  • Obtain a lower interest rate when you consolidate

How do you want to consolidate debt?

Use my home's equity

Available equity can help you get a great low rate with a Key home equity loan or line of credit

  • Tax-deductible interest (consult your tax advisor regarding the deductibility of interest)
  • Interest only or fixed rate options available to protect against rising interest rates
  • Apply by March, 30, 2019 and you could qualify for a 0.25% APR discount on home equity lines of credit and home equity loans and we'll waive your annual fee for the first year on home equity lines of credit!1

Home Equity Loan

Home Equity Line of Credit

Refinance my mortgage

Use the equity in your home to consolidate all your debts into one great rate.

  • Take advantage of a cash-out refinance to pay for home renovations or other major expenses, pay off higher interest debt, or free up more cash each month
  • Mortgage interest may be tax deductible (consult your tax advisor)
  • Fixed or variable rates
  • Apply by March 30, 2019 to be eligible to receive $500 off at closing!2
Schedule an Appointment

Use a fast and simple loan

A Key Personal Loan can help you refinance your high interest rate debt.

  • Fixed interest rate & fixed monthly payments with up to 7 years to pay3
  • Simple application and approval process – no equity, appraisal, or collateral needed
  • Apply by March 30, 2019 to get a 0.50% APR discount when you use the loan for debt consolidation and meet qualifications4

Pay off my debts over time & have flexibility

Use a KeyBank Latitude® credit card to pay down debt and make everyday purchases

  • 0% APR for 15 months. After that, the variable APR for purchases and balance transfers will apply, currently 12.24% - 22.24% based on your creditworthiness5
  • Apply by February 16, 2019 and you’ll get a 0% balance transfer fee for the first 60 days from account opening. After that, the balance transfer fee will be $10 or 3% per transaction, whichever is greater6
  • No annual fee
  • All the benefits of Mastercard®

Open a preferred credit line

Pay down higher interest debt and be ready for what life brings

  • Continuous access to credit with flexible monthly payment options
  • Stay prepared for unexpected or upcoming expenses
  • For lines of credit between $2,000 - $50,000

Explore all your options

For quick questions or to explore your options in detail, we’re here to help you plan your financial wellness journey.

Schedule an Appointment

Disclosures

1

To apply for one of our home loans, you must: (1) Be 18 years of age or older; (2) For Home Equity Loan: live within the following states: AK, CO, CT, ID, IN, MA, ME, MI, NY, OH, OR, PA, UT, VT, or WA; (3) For Home Equity Line of Credit: live within any one of the United States except the following: AL, AZ, CA, DC, NV, TX. For subject properties outside of AK, CO, CT, ID, IN, MA, ME, MI, NY, OH, OR, PA, UT, VT, or WA call 1-800-KEY2YOU (1-800-539-2968) for product information or to submit an application; (3) Agree to provide additional personal and business information, if requested, such as tax returns and financial statements; (4) Certify that all information submitted in the application is true and correct; (5) Authorize the bank and or a credit bureau to investigate the information on the application. 3 There is a fixed-rate option (FRO) set-up fee of $50.00 and an FRO unlock fee: $50 (new applications 8/11/17 and after). 4 The KeyBank Home Equity Line of Credit account is a line of credit that permits you to obtain advances of credit for any purpose for 15 years (the “Draw Period”). After the Draw Period ends, you will no longer be able to obtain credit advances and you must repay the outstanding balance on your account over 15 years. Important note for residents of Connecticut: The Draw Period will end after 118 months (9 years and 10 months)

Offer available for applications received 1/02/19 to 3/30/19. Cannot be combined with any other offers (e.g., pre-approved offer). Subject to credit approval. Variable rates for the home equity line of credit are based on The Wall Street Journal Prime Rate (Prime) and are as low as Prime -0.25% (5.35% APR as of 12/20/18). Rates may not exceed a maximum of 18.00% APR. Your actual rate will be determined by product and credit qualifications. An annual fee of up to $50.00 may apply.

Hazard and, if applicable, flood insurance is required on collateral property. Certain collateral restrictions apply. Lines above $500,000.00 secured by real estate pay title insurance premium. Lines of credit over $500,000 in New York and certain designated out of footprint states pay mortgage tax ranging from $0.50 to $2.80 per $100 total line amount. All Florida lines of credit pay documentary stamp and intangible tax of $0.55 per $100 total line amount. Up to three fixed rate options are available. An annual fee of up to $50 will be waived for first year of the loan. After that, a fee of $50.00 applies for each fixed rate option advanced. A fee of $50.00 applies if a Fixed Rate Option is unlocked

REIMBURSEMENT OF LENDER PAID COSTS: IF YOU VOLUNTARILY CLOSE YOUR LINE OF CREDIT AND TERMINATE YOUR ACCOUNT WITHIN 36 MONTHS OF THE DATE YOU SIGN THE AGREEMENT, YOU WILL REIMBURSE KEY FOR BONA FIDE FEES IT PAID TO THIRD PARTIES ON YOUR BEHALF IN CONNECTION WITH THE OPENING OF YOUR ACCOUNT. THESE FEES MAY INCLUDE COSTS OF APPRAISAL, TITLE, AND FLOOD AND WHERE APPLICABLE, MORTGAGE TAX. ADDITIONAL INFORMATION IS PROVIDED IN THE FINANCIAL INFORMATION DISCLOSURE IN YOUR APPLICATION KIT. THE AMOUNTS ALSO WILL BE ITEMIZED IN YOUR KEY EQUITY OPTIONS AGREEMENT. THIS PROVISION WILL NOT APPLY TO THE EXERCISE OF ANY APPLICABLE RIGHT TO CANCEL OR RESCIND UNDER THE FEDERAL TRUTH IN LENDING ACT OR REGULATION Z.

Actual rates, fees, and terms are based on those offered as of the date of application and are subject to change without notice.

Offer available for applications received 1/2/19 to 3/30/19. Cannot be combined with any other offers (e.g., pre-approved offer). Subject to credit approval. Specialty home improvement loan programs (Eco Link, HELP, and Heritage) are not eligible for this offer.

Typical loan payment examples are as follows: If you borrow $10,000 secured by an owner occupied home, for 60 months at 4.75% APR, the monthly payment would be $187.57 or If you borrow $10,000 secured by an owner occupied home, for 60 months at 5.25% APR, the monthly payment would be $189.86. Non-owner occupied financing is also available. Hazard and, if applicable, flood insurance is required on collateral property. Certain other collateral restrictions apply. Loans above $500,000.00 secured by real estate pay title insurance premium. Loans above $500,000.00 secured by real property in NY or FL pay mortgage tax and doc stamps. A closing fee of $100 – $400 may apply if closing is performed by a closing agent.

REIMBURSEMENT OF LENDER PAID COSTS: IF YOU VOLUNTARILY PREPAY YOUR LOAN IN FULL AND TERMINATE YOUR ACCOUNT WITHIN 36 MONTHS AFTER YOU SIGN THE NOTE, YOU WILL REIMBURSE KEY FOR BONA FIDE FEES IT PAID TO THIRD PARTIES ON YOUR BEHALF IN CONNECTION WITH THE OPENING OF YOUR ACCOUNT. THESE FEES MAY INCLUDE COSTS OF APPRAISAL, TITLE, FLOOD AND, WHERE APPLICABLE, MORTGAGE TAX. THE FEES ARE SHOWN AS ITEMIZED ESTIMATES ON YOUR LOAN ESTIMATE PROVIDED TO YOU WITHIN THREE (3) DAYS OF YOUR APPLICATION, AS FINAL ITEMIZED AMOUNTS ON YOUR CLOSING DISCLOSURE SENT TO YOU AT THE TIME OF FINAL LOAN APPROVAL AND AS ITEMIZED AMOUNTS IN YOUR FIXED RATE NOTE. THIS PROVISION WILL NOT APPLY TO THE EXERCISE OF ANY APPLICABLE RIGHT TO CANCEL OR RESCIND UNDER THE FEDERAL TRUTH IN LENDING ACT OR REGULATION Z, OR IF THE TERM OF THE LOAN IS 36 MONTHS OR LESS.

2

NOTICE: This is not a commitment to lend or extend credit. Conditions and restrictions may apply. Information and offer are subject to change without notice. All loans are subject to credit and collateral approval. Not all loans or products are available in all states. Cannot be combined with other promotions, discounts, or offers. Credit will be applied at closing. Not available on purchase, home equity loans or lines of credit. Limit of one lender credit of $500 per approved mortgage loan. Offer available for approved mortgage refinance applications submitted from 1/2/2019 to 3/30/2019 only.

3

If you were to borrow $20,000 for 84 months and quality for Key’s as low as rate of 9.04% APR, your monthly payment would be $322.19. The APR may vary based on the state where you reside. The 9.04% APR is an average APR charged by KeyBank for a $20,000 Personal Loan 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.

4

Offer available on Unsecured Personal Loan applications submitted from 1/2/19 to 3/30/19 for the purpose of Debt Consolidation. Any other Purpose for the loan is not eligible for the promotional offer. Key-2-Key refinances are not eligible for the offer. Applications submitted or resubmitted after 3/30/19 are not eligible. For qualifying applications, KeyBank will reduce the assigned interest rate by 0.50%. As an example, if you borrow $15,000 for 60 months and qualify for Key’s average “As Low As” rate of 7.69%, the final rate could be “As Low As” 7.19% APR and a monthly payment of $298.36. The example APR includes the 0.50% promotional APR discount plus a 0.25% discount for electing to have your monthly payments automatically deducted from a KeyBank checking or savings account. Finance charges are calculated on a daily simple interest basis using the actual number of days in a year. If the loan is paid off in the first 18 months, there will be a $150.00 Early Termination Fee for prepayment.

To apply for a Preferred Line of Credit or an Unsecured Personal Loan, you must: (1) Be 18 years of age or older; (2) Live within the following states: AK, CT, CO, ID, IN, MA, ME, MI, NY, OH, OR, PA, UT, VT, or WA; (3) Agree to provide additional personal and business information, if requested, such as tax returns and financial statements; (4) Certify that all information submitted in the application is true and correct; (5) Authorize the bank and/or a credit bureau to investigate the information on the application.

5

0% intro APR for 15 billing cycles on all purchases, and on all balance transfers made within 60 days of account opening. After that, the variable APR for purchases and balance transfers is 12.24-22.24% (based on creditworthiness). The introductory rate does not apply to cash advances. The variable APR for Cash Advances is 26.24% Cash Advance fee: 4% of each advance amount, $10 minimum. Convenience Check Fee and Balance Transfer Fee: 0% Intro fee on transfers made within 60 days of account opening. After that, either $10.00 or 3% of the amount of each transaction, whichever is greater.. There is a $0.50 minimum finance charge where interest is due. The annual fee is $0. The Overdraft Protection fee is $10. Foreign Transaction fee: 3% of the amount of each foreign transaction after its conversion into U.S. Dollars. Transactions originating in Canada are excluded from this fee.

The creditor and issuer of the Latitude Mastercard credit card is KeyBank N.A., pursuant to a license from Mastercard International Incorporated. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated. Variable rates after introductory period as of 12/20/2018, based on credit worthiness.

6

No Balance Transfer Fee on new accounts opened January 7, 2019-February 16, 2019 with balance transfers made within 60 days of account opening. After that, your Balance Transfer Fee will be either $10.00 or 3% of the amount of each transaction, whichever is greater.

NMLS#399797

All credit products are subject to collateral and/or credit approval.

Key.com is a federally registered service mark of KeyCorp.

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1-800-539-8336

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