Secured Personal Loan from KeyBank

Secured Personal Loan from KeyBank - see full info about rates, terms, credit score.

Updated August 22, 2022
5 out of 5
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Check your personal loan rates

scorer
APR Range
4.99 - 15.32%
scorer
Amount
up to $50,000
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Term
up to 60 months
scorer
Minimum credit score:
Excellent (740-799)
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No early payoff penalty
scorer
No origination fee

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Options

  • Loan purpose:
    Personal Loan
  • Bank:
  • Credit Level:
    Excellent (740-799)
  • When funds are available:
    The same day.

Fees

  • Origination fee
    No origination fee.
  • Early payment fee
    No early payment fees.

Pros & Cons

Pros:
  • No fees
  • Fast approval and funding
  • Rate discount for autopay
Cons:
  • Only available in 15 U.S. states
  • Credit score of 780 or higher
  • Collateral Needed

Rates

Rates
4.99 - 15.32%
Term
12 - 60 months
Loan Amount
$5,000 - $50,000
Autopay
0.25%*
* In case of using Autopay service your rate is reduced by 0.25%
List of states where KeyBank loan is not available:
  • Alabama
  • Arizona
  • Arkansas
  • California
  • Delaware
  • District of Columbia
  • Florida
  • Georgia
  • Hawaii
  • Illinois
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maryland
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • North Carolina
  • North Dakota
  • Oklahoma
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Virginia
  • Wisconsin
  • West Virginia
  • Wyoming
For example, if you apply for a 2-year $5,000 personal loan with an interest rate of 15% and an origination fee of 5% you would receive $4,750 and make 24 payments of $242.43. The total amount paid would be $5,818.
View all Rates & Fees

Requirements

  • What you need to get approved (Qualifications)
    FICO® score 780 or higher.
  • Ages

    Be 18 years of age or older.

  • Residence

    Live within the following states: AK, CO, CT, ID, IN, MA, ME, MI, NY, OH, OR, PA, UT, VT, or WA.

  • Requirements Description
    • Personal and business information (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

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Recommended credit score
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Poor (300-579)
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Recommended credit score
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Good (670-739)
  • 7.99 - 23.43 %
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  • 2 - 7 years
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Description

  • The Annual Percentage Rate of Keybank personal loans ranges between 4.99% to 15.32%.

    The APR may vary based on the state of residence. The APR charged by KeyBank across Key's footprint (OH, IN, MI, PA, NY, MA, CT, VT, ME, CO, ID, UT, WA, OR, AK) includes a 0.25% discount for electing to have the monthly payment automatically deducted from a KeyBank checking or savings account.

    The loan amount ranges from $5,000 to $50,000.

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