KeyBank Bonus Offer Disclosure:
Rates as of 11/6/2025. Rates Subject to Change. Terms and Conditions Apply. All products subject to credit approval. To qualify for this KeyBank Welcome Bonus offer: 1) you must not currently be an KeyBank client, or have received the bonus in the past, 2) you must submit a completed student loan refinancing application through the designated Student Loan Planner® link; 3) you must provide a valid email address and a valid checking account number during the application process; and 4) your loan must be fully disbursed. If a borrower is eligible for and chooses to accept an interest rate promotional offer due to that borrower's membership in a professional association, the borrower will not be eligible for the cash bonus from KeyBank. However, the borrower can still be eligible for the Student Loan Planner® bonus if they qualify under the “Student Loan Planner® Bonus Disclosure terms” and complete the Refinance Bonus Request Form to claim bonus offer.If you opt to receive the cash bonus incentive offer, you will receive a $1,050 bonus if you refinance $100,000 or more, or a $300 bonus if you refinance an amount from $50,000 to $99,999.99. For the $1,050 Welcome Bonus offer, $500 will be paid directly by Student Loan Planner®. KeyBank will automatically transmit $550 to your checking account after the final disbursement. For the $300 Welcome Bonus offer, KeyBank will automatically transmit the $300 bonus to your checking account after the final disbursement. There is a limit of one bonus per borrower. This offer is not valid for current KeyBank clients who refinance their existing KeyBank loans, clients who have previously received a bonus, or with any other bonus offers received from KeyBank via this or any other channel.
AutoPay / EFT Discount: If you choose to make monthly payments automatically by electronic fund transfer (EFT) from a bank account, the rate will decrease by 0.25% and will increase back if you stop making monthly payments (or we stop accepting) automatically by EFT from your bank account. The 0.25% AutoPay/EFT Discount will not reduce the monthly payment; instead, the discount is applied to the principal to help pay the loan down faster.
