same car, lower payments

Refinancing with a KeyBank Auto Loan Can Help You Save Money1

The KeyBank auto loan comes with a fixed APR so you may have a lower payment on the car you already have and love.

  • Lower Payments
    Refinancing may mean a lower monthly payment.
  • Keep Your Current Term
    The number of payments remaining stays the same.
  • No Origination Fee
    All this without paying an origination fee.

Don’t Wait! This Is a Limited-Time Offer2

Use the reservation code from your letter or email.


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.


You have received this preapproved offer based on information contained within your credit report. We selected you for this offer because it was determined based on the information available at the time, that you satisfied our preexisting credit criteria. In the event you accept this offer, we will confirm your qualification by verifying your information and determining whether you meet the requirements and criteria set forth in this extension of credit. Refer to your preapproval letter for the specific rate details associated with your credit offer.

If the loan is paid off in the first 18 months, there will be a $150.00 Early Termination Fee for prepayment unless the loan term is 18 months or less. If your KeyBank auto loan is less than 18 months, the $150 early termination fee does not apply.

All credit products are subject to collateral and/or credit approval. is a federally registered service mark of KeyCorp.

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