Save time and money by consolidating debt.

Borrowing money is sometimes unavoidable. If you're making payments on multiple loans or credit cards, consolidating your debt can help you pay it down faster. You'll have only one payment to worry about, and you may be able to save money on interest.

We offer many solutions to fit your needs, including:

Key Equity Options Home
Equity Line of Credit

The KEO Home Equity Line of Credit is more than just a loan. You get:

More Protection

The KeyBank Home Equity Line of Credit comes with an adjustable interest rate*, but you can lock in up to three fixed-rate options.


Since it's a revolving line of credit, you can draw as little or as much as you need, while continuing to pay off your balance.

Easy access

For your convenience, we offer multiple ways to access the funds in your line of credit.

Apply now

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KeyBank Unsecured
Personal Loan

Save on interest compared to the average variables rates on revolving debts, and enjoy:

No collateral required

This simplifies the loan process. It also makes for faster approvals.

Peace of mind

With a predictable fixed monthly payment and set term, you have an end date of when your debt will be paid off.


Transfer your payment and access your loan online - 24/7.

Apply now

Get Rates

Debt can be overwhelming and seemingly never ending. Learn how you can get a handle on your debt with these borrowing possibilities.

To apply, you must:

To apply for a home equity line of credit, you must also:

Please read our additional Home Equity Line of Credit Disclosures. If you applied for your credit account online within the last 90 days, you may also review the original disclosures provided to you.

*Rates for the home equity line of credit are based on The Wall Street Journal Prime Rate ("Prime") and are as low as Prime plus 0.00% (3.75% APR as of 12/15/2016). Rates may vary between a minimum of 3.99% APR and a maximum of 18.00% APR. As of 12/15/2016, the variable rate for home equity lines of credit ranged from 3.99% APR to 11.25% APR. Your actual rate will be determined by product and credit qualifications and whether or not you choose to take advantage of the available discounts. Certain collateral restrictions apply. Hazard and (if applicable) flood insurance are required on the real property securing the loan. All origination fees will be waived on line amounts up to $250,000.00. For lines above $250,000.00, title insurance may be required (cost ranges from $12.50 to $2,859.00). New York lines of credit over $250,000 pay mortgage tax ranging from $0.50 to $2.80 per $100 total line amount. All Florida lines of credit pay documentary stamp tax of $0.35 per $100 total line amount. Up to three fixed rate options are available. A fee of $50.00 applies for each fixed rate option advanced. Other restrictions may apply. is a federally registered service mark of KeyCorp.