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KeyBank Auto Loan Calculator, Interest Rates & Overview

Carla Soto
Carla Soto
Updated 05 October 2023
Fact checked

KeyBank auto loans overview

KeyBank logo

KeyBank offers vehicle financing choices in Alaska, Colorado, Connecticut, Idaho, Indiana, Massachusetts, Maine, Michigan, New York, Ohio, Oregon, Pennsylvania, Utah, Vermont, and Washington. Qualified borrowers can secure a range of loans for a new or used automobile, bike, boat, and RV with extended terms and discounted rates.

Want to see what a Key auto loan will cost? Try the KeyBank auto loan calculator below! All you have to do is enter your desired loan amount and term to see an estimate. You can use the calculator to adjust your loan amount and term to see how it might affect your monthly repayments.

Key Idaho Central Credit Union auto loan features

  • Minimum loan amount: $5,000.
  • Maximum loan amount: More than $25,000.
  • Interest rates: From 9.75% APR.
  • Loan terms: Up to 72 months.
  • Loan fees: No origination fees.
  • Discounts: Autopay discount.

KEYBANK AUTO LOAN OPTIONS

New and used auto and motorcycle loans

Whether you’re looking for a new or used car or motorcycle, you can secure one from KeyBank. Starting at 9.75% APR, you can either purchase your ride or refinance your current loan. The bank also offers repayment periods of up to 72 months.

Boat and RV loans

If you’re after an adventure, Key has loans for boats and recreational vehicles, too. Auto loans financing is open to Type A motorhomes, fifth-wheel travel trailers, weekend cruisers, bow riders, or anything in between. Rates start at 10.80% APR, and you can extend your term for up to 240 months.

KeyBank auto loan calculator

Provider
Product Information
EST Monthly
Repayment
Interest
Rate
Repayment
Period
Loan
Amounts
Sort loans by

Loan Amount

$25,000

Term

60 months

Change
KeyCorp

KeyCorp auto loan

KeyCorp auto loan
Estimated Month Repayments
$595 Inclusive of fees
Interest Rate
15.00%
APR
Repayment Period
12 months
to 72 months
Loan Amounts
$5,000
to $100,000
GO TO SITE
Get a low interest rate KeyCorp auto loan
Featured
Achieva Credit Union

Achieva - New Auto Loan

Estimated Month Repayments
$437 Inclusive of fees
Interest Rate
1.89%
APR
Repayment Period
12 months
to 84 months
Loan Amounts
$5,000
to $100,000
GO TO SITE
Low fixed interest rates. Flexible terms. Same-day approvals. No hidden fees.
Featured
Bank of America

Bank of America auto loan

Estimated Month Repayments
$595 Inclusive of fees
Interest Rate
15.00%
APR
Repayment Period
12 months
to 72 months
Loan Amounts
$5,000
to $100,000
GO TO SITE
Get a low interest rate Bank of America auto loan

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Minimum and maximum loan periods vary between 1 month and 10 years. Annual Percent Rates (APR) vary between 4.99% and 35.99% p.a. Total interest repayments vary between $592 and $916 over the life of the loan. *APR is based on an unsecured loan of $20,000 over a term of 3 years. WARNING: This APR is true only for the examples and may not include all charges. Different terms, fees or loan amounts might result in a different APR. These rates can change without further notice.

HOW TO APPLY FOR A KEY AUTO LOAN

Eligibility criteria

To be eligible for vehicle financing, you need to:

  • Be 18 years old or older
  • Live within 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
  • Certify that all information submitted is true and correct
  • Authorize the bank and/or a credit bureau to investigate the information on the application

Other than improving your credit score, it helps to be aware of your debt-to-income (DTI) ratio, too. Your DTI ratio shows the percentage of your gross income that goes to your debt payments. Financial institutions use this ratio to assess how well you manage your debts.

What you’ll need to have ready

Personal details

When you apply for auto financing with KeyBank, you’ll be asked to provide personal information such as:

  • An email address
  • Your full name
  • Address
  • Social Security number
  • Employment information
  • Income details
  • U.S. citizenship status
  • A list of monthly expenses

Documents

You may need to provide Key with additional documents to complete your loan request. These documents may include a purchase agreement or bill of sale, car registration and title, instructions for buying out a lease, proof of income (such as federal tax returns and W-2s), and financial statements.

To quickly get approved for a car loan, try to prepare your documents ahead of time. This will help you avoid any delays and speed up your application process.

Ways to apply for a KeyBank auto loan

  • Apply online by clicking the GO TO SITE link in the table below
  • Visit a branch
  • Call 1-800-539-2968

Additional Key auto loan details

  • Automatic payment: Available.
  • Loan approval times: It may usually take 1 business day to a few weeks based on your application.
  • Rate discounts: 0.25% APR discount with automatic deductions from a KeyBank checking or savings account.
  • Repayment frequency: Monthly.
  • Late payment fees: Undisclosed.
  • Prepayment penalty: $150 if you pay off your loan within 18 months.
  • Co-borrowers allowed: Undisclosed.
  • Co-signers: Undisclosed.
  • Ways to repay: Online banking, mobile banking, automatic payments through ACH, over the phone, through mail, and in a branch

Vehicle restrictions and limitations

  • Maximum vehicle age: 10 model years.
  • Maximum vehicle mileage: Unspecified.
  • Other vehicle restrictions: Unspecified.

PROS AND CONS

Pros

  • No origination fees.
  • 0.25% autopay discount.
  • Flexible repayment periods.
  • Online application available.
  • Purchase and refinance allowed.
  • Hardship programs available.
  • Monthly car loan payment through online and mobile banking, automatic payments, the phone, mail, and a branch.
  • $5,000 minimum auto loan amount.

Cons

  • $150 prepayment penalty.
  • Limited to residents in 15 states.
  • Interest rates are quite high.
  • Members with poor credit scores may get higher rates

FREQUENTLY ASKED QUESTIONS

What is the minimum credit score to get an auto loan from KeyBank?

You need a minimum FICO score of 780 or higher to qualify for the lowest rate. But you can still apply for an auto loan if your score is below 780. Note though that your rates may be higher.

Are there discounts available on KeyBank vehicle loans?

You can qualify for a 0.25% rate discount by setting up automatic payments from your KeyBank checking or savings account.

How to apply for an auto loan at KeyBank?

You can apply online or drop by a local branch near you.

Are Key car loan interest rates fixed or variable?

KeyBank offers fixed vehicle loans.

Can I repay my KeyBank vehicle loan early?

If you pay off your auto loan within 18 months, Key will charge you a $150 penalty.

Are Key Bank auto loans available in all 50 states?

You need to live in Alaska, Colorado, Connecticut, Idaho, Indiana, Massachusetts, Maine, Michigan, New York, Ohio, Oregon, Pennsylvania, Utah, Vermont, or Washington.

Will applying for vehicle finance with Key affect my credit score?

A formal application means KeyBank needs to conduct a hard credit check, which will appear on your credit report. As a result, this dings your score by a few points. To build your credit, make sure you don’t miss your monthly loan payments.

How much interest does Key charge on car loans?

KeyBank auto loan rates start at 9.75% APR. Remember though that your interest rate will depend on your loan amount, term, collateral, and overall credit standing.

Video: “Truck” | KeyBank opens doors

Carla Soto
Carla Soto

Carla is a skilled copywriter at BestFind with a background in marketing and communications. She specializes in reviewing personal loan and finance products to help readers navigate the complex world of personal finance.

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