you’ve come to the right place.

Lock in your interest rate on a KeyBank Personal Loan.

KeyBank Personal Loan Benefits

  • Competitive rates, often lower than most credit cards.
  • Fixed interest rates and flexible payment terms up to 84 months.1
  • Access to your funds as soon as the same day in most cases.2
  • No collateral required, plus no origination fee or prepayment penalty.
  • Sign your loan documents easily and securely online with E-Sign.3
  • Manage your loan in online and mobile banking.

Lock In Your Interest Rate Today

This offer is valid only for the name indicated on the letter or email and is nontransferable.


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 $25,000 for 60 months and qualify for Key's as-low-as rate of 6.47% APR (as of 5/12/2022), your monthly payment would be $488.80. The APR may vary based on the state of residence. The 6.47% APR is a market 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.

To qualify for the "as low as" APR: 1) the term of the loan must be between 12-60 months; 2) the loan amount must be $25,000 or greater; 3) you must have an excellent credit profile, including a minimum FICO score of 780 or higher; and 4) automatic payment deductions from a KeyBank checking or savings account must be established. Rates are accurate as of 9/13/21.


Funds may be available as fast as same business day of application under the following conditions: (1) loan amount less than $30,000 and 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. 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.

All credit products are subject to 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