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Alt Lending may suit borrowers who are reviewing private student loan refinancing and seeking fixed-rate repayment options. It may also be useful for borrowers who prefer access to phone support during the application process.
Borrowers with federal student loans should review federal protections before refinancing with any private lender, as refinancing federal student loans privately can result in the loss of federal benefits and protections.
Alt Lending’s main product is private student loan refinancing. The site describes the offer as fixed-rate refinancing, meaning the approved interest rate does not change over the life of the loan.
Key features include:
Fixed-rate refinancing
Online rate check
Private student loan focus
No origination fees listed
No prepayment penalties listed
Borrower account access available
Alt Lending presents the application process as an online flow. Borrowers can check rates, review whether they may prequalify, and then continue to a full application if they want to proceed.
Final approval and loan terms are subject to underwriting. Borrowers should review the formal application disclosures before accepting any offer.
Alt Lending’s application disclosure lists fixed APRs from 8.99% to 25.81% and repayment terms from 2 to 15 years. Borrowers should confirm the current APR range in the formal application disclosures before applying or accepting a loan.
The company states that qualified education loans have no origination fees, late fees, or prepayment penalties. Final terms may vary based on creditworthiness, loan amount, repayment term, and other factors.
Alt Lending lists repayment terms from 2 to 15 years. A shorter repayment term may increase the monthly payment but reduce total interest paid, while a longer term may lower the monthly payment but increase the total cost over time.
Scheduled monthly payments are made through ACH bank deduction unless authorization is revoked. Autopay is not required to receive a loan.
Alt Lending provides online access to rate checks, applications, and borrower-account tools. The reviewed site pages include links to privacy-related policies, including a Privacy Statement, a California Privacy Policy, a Data Privacy Request page, an Electronic Communication Policy, and Terms of Use.
Alt Lending is BBB-accredited and has an A+ rating. BBB lists the business as a limited liability company and identifies its products and services as fixed-rate loans, loan refinancing, and private student loan refinancing.
Alt Lending publishes borrowers' direct contact information. Support is available by phone at (844) ALT-LEND / (844) 258-5363 and by email at info@thealtlender.com.
The listed support hours are Monday-Friday, 6am-5pm PST; Saturday, 8am-12pm PST; Sunday is closed. The company’s listed office address is 8701 E. Hartford Dr., Suite 125, Scottsdale, AZ 85255.
Alt Lending is a private student loan refinancing option for borrowers who want a fixed-rate repayment plan, an online rate-check process, and access to phone support. Its disclosed loan terms include fixed APRs from 8.99% to 25.81% and repayment terms from 2 to 15 years. Borrowers should confirm all current rates, terms, and eligibility requirements in the application disclosures before accepting an offer.
Alt Lending, LLC
8701 E. Hartford Dr, Suite 125
Scottsdale, AZ 85255
This review was created using Alt Lending’s website, product pages, application disclosures, FAQs, contact page, company team page, and BBB profile. Compliance context was checked against CFPB student-loan guidance and general student-loan refinance advertising considerations.
AI was used to create this content, along with human validation and proofreading.
