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LendKey Review

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Reviews 380

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BestMoney Staff
Bestmoney Staff
Apr. 29, 20214 min read

LendKey summary

LendKey lets customers tailor their loan terms for maximum savings and benefits while offering the ability to refinance and consolidate both private and federal loans. By working with local and community financial services providers, LendKey empowers customers to find lower interest rates.

Pros

  • Competitive rates and incentives
  • Consolidate loans into an affordable payment

Cons

  • Comparison tool lacks information on lenders
  • Specific terms are unclear as not a direct lender
LendKeyat a glance
4.0

Editorial score

Online experience

Has learning resources, access to rates, mobile app

5.0

Customer services and support

Award winning

5.0

Repayment flexibility

Only offers mmediate repayment & limited repayments plans

3.0

Loan Types Covered

Only covers 1-2 student loan types

3.0

Eligibility

Doesn't cover bad credit, low income borrowers

4.0

LendKey LendKey View Rates

LendKey at a Glance

Founded a decade ago, LendKey’s objective is to revolutionize the lending industry by providing an online lending platform for the thousands of community banks and financial institutions located across the United States. The company offers customers a lending marketplace for student loan refinancing that enables them to create beneficial customized terms for repayment.

LendKey has demonstrated a longstanding commitment to work with smaller regional credit unions and banks to provide more transparency and lower interest rates for customers. In addition to partnering with community banks to broaden their reach, LendKey is constantly striving to improve their technological solutions. Today, LendKey’s network includes over 275 community non-profit lenders, helping customers access over $1 billion in financing for more than 60,000 loans.

Suitable for Whom?

Although the company is not directly a lender, LendKey can still help a broad range of customers uncover the student loan refinancing and consolidation options they need. LendKey’s marketplace grants customers the opportunity to find refinancing loans for a range of outstanding student loan types. The company prefers to work with customers that have good credit, making them an ideal partner for students who have developed strong credit or have cosigners available to assist with the process.
Moreover, the company’s refinancing offerings are excellent for customers who have taken out both private and federal student loans, and are looking to consolidate them into a single, lower-rate payment. Customers with positive financial habits can also benefit considering LendKey’s incentives for those individuals who are responsible when it comes to consistent repayment.

 LendKey Homepage
Get a better loan with LendKey

Loan Features

We found several aspects of LendKey’s service to be quite useful for students and graduates alike. The company does not directly provide the loan, however it does originate loans and also offer customers freedom when seeking out repayment terms and loan amounts. Customers have the ability to customize their loans and find those lenders that are most likely to meet their requirements, from repayment amounts and terms to amounts and even preferred rates. Apart from these benefits, LendKey partners offer great incentives for customers to lower their interest rates. Borrowers are eligible to receive a 0.25% reduction to their APR when they sign up for AutoPay. In addition, we were happy to see that LendKey allows borrowers to consolidate their loans, both private and federal, into a single lower-rate repayment. The company also hosts several informative educational resources including a downloadable guide to student loans that can help borrowers save sigificant time and money when applying for financing.
Highlights from our LendKey review:

  • Competitive APRs and interest rates
  • Consolidate federal and private loans into a single monthly payment
  • Fast application takes a few minutes to complete
  • No origination or sign-up fees for loans
  • Highly rated customer support can answer any questions
  • Educational resources guide customers through application and borrowing
  • Lower interest rates quoted by LendKey partners by as much as 0.25% with autopay
  • Cosigner release after 12 months of on-time principal and interest repayments

The Application Process

Getting started with LendKey is fast and simple - you can see rate options in under 3 minutes and there is no inquiry on your credit report. The company’s application process has only three steps, and customers have full control throughout. The first step for applicants is to fill out an initial form to check their eligibility, which generally takes less than five minutes to complete. The form features basic contact information, as well as details regarding a borrowers’ university status. Once completed and prequalified, customers will receive a list of potential lenders from which they can select the right match. While specific requirements may vary from lender to lender, LendKey does ask that customers meet the following requirements:

  • Be a US citizen or permanent resident
  • Have graduated from a Title IV-certified university
  • Credit score of 660 or higher (cosigners accepted)
  • $24,000 minimum annual income
  • Minimum outstanding loan amount of $5,000

Different lenders may have additional requirements, so customers should always have their documents prepared in advance and confirm with their chosen loan provider that they meet all the relevant criteria.
Once they have received approval, borrowers can customize their loan, finding their preferred repayment terms and amounts, as well as interest rates.

Loan Terms – Essentials

Customers seeking student loan refinancing options on LendKey’s marketplace will appreciate the variety of choices they encounter when searching for the right loan and provider to work with. While LendKey is not directly a loan originator, borrowers complete their prequalification application and finalize their selection for loans through their website. Apart from the depth of borrowing options, the company helps customers by waiving many of the charges competitors may include during the refinancing process. LendKey and its partners do not charge borrowers any application, origination, or prepayment fees.
Moreover, the company’s network of lenders is not made up of major banks and financial services providers, but rather smaller community banks and credit unions. In real terms, this gives customers access to more favorable rates and better transparency throughout the process of applying and receiving approval for student loan refinancing.
Graduates looking for a refinancing loan can be approved for variable APRs starting at 1.92% (with autopay), or fixed APRs starting at 2.95% w/ autopay. Refinancing also qualifies for automatic payment discounts. Customers can get even steeper discounts on their interest rates by exhibiting responsible financial behavior. LendKey accepts customers looking to refinance undergraduate and graduate loans, originated either privately or through federal programs. The company’s partners also offer unemployment protection for a period of 18 months, a high industry water mark, as well as interest-only repayment for up to the first four years of borrowers’ terms.

LendKey How it Works
How LendKey works

Repayment Terms

Overall, LendKey offers a good variety of loan term options. Refinancing applicants have several choices available, with repayment terms of 5, 7, 10, 15, and 20 years for variable rate loans and 5, 7, 10, and 15 years for fixed rate refinancing options. It's worth noting again that LendKey's highlighted repayment term is the 4 year interest only option on a 15 year loan term, which no other company currently offers. All told, these terms are industry-standard, enabling potential refinancing customers to find the most beneficial term for their needs alongside the most favorable interest rates and repayment amounts.

How Safe is It?

One of the aspects of LendKey’s services that we appreciated most was the company’s commitment to helping customers from the start to the end of their application and funding process. While the company is not directly a lender, they are different from other refinancing marketplaces thanks to their constant involvement. Customers can rest assured knowing that LendKey will not sell their information to less-than-reputable lenders. Furthermore, the company works with community institutions that are transparent and collaborate with LendKey throughout the refinancing process. The company does collect customer data, but information is stored in secure data centers that feature robust encryption and industry-standard safety measures.

Help & Support

Customers who need to contact LendKey have several channels available to them. Borrowers can contact the company via a toll-free number Monday through Friday between 9:00 AM and 8:00 PM Eastern Standard Time. Additionally, customers can email a company representative with responses usually taking one business day to arrive. Overall, we found the company’s support team to be well-versed in student loan refinancing, and able to answer all our questions effectively. For customers who prefer to find answers on their own, LendKey features an informative FAQ section and hosts numerous educational resources that deal with the basics of student loans and refinancing.

Deep Dive into Pros and Cons

LendKey offers an impressive set of features, but we did find some areas where the company could improve to strengthen their offerings:

  • They are not a lender, but LendKey is still able to guarantee terms on their site as they are the originating and servicing provider
  • The company’s comparison tool could be improved to show more information about other lenders

Setting aside these minor drawbacks, there were several aspects that stood out during our review:

  • Application requirements do not change for customers from lender to lender
  • The company offers some of the most affordable interest rates in the student loans refinancing market
  • LendKey works with customers from start to finish during the loan application and funding process
  • Borrowers can consolidate private and federal student loans into one more affordable payment
  • The company’s educational resources are informative and easy to access
  • Partner refinancing offerings exhibit a high degree of customization
 LendKey Customer Service
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Summary

Overall, LendKey offers an intriguing alternative for student loans. Customers can tailor their loan terms for maximum savings and benefits while the ability to refinance and consolidate both private and federal loans is a notable advantage. We were impressed with LendKey’s commitment to working with local and community financial services providers such as credit unions and regional banks. This empowers customers to find lower interest rates and a more transparent financing marketplace than institutional lenders can provide.
We were happy to see that LendKey also emphasizes education and offers resources to customers to better understand the intricacies of student loans and their options when refinancing. This choice reflects a service for graduates with good credit who are looking to take advantage of potential interest rate discounts.

Physical Address

104 W. 27th street

New York, NY

10001

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BestMoney Staff
Written byBestmoney Staff

Our editorial staff consists of writers who are knowledgeable about financial services. We specialize in simplifying the process of choosing the right provider for your needs.

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ExcellentReviews 380
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80%
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2%
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6%
  • author
    ShayK
    Sep 13, 2022
    They gave me a really low interest rate…

    They gave me a really low interest rate on my big private loan. Their website is easy to use, and my experience with LendKey has been nothing but positive!

    ...

  • author
    Angela Davis
    Sep 14, 2022
    Borrow somewhere else

    I have never had a loan where when I make payments, my balance is more than what I borrowed. I have never been late on any payments and started my payments on time.....this is the worst place to get money. Please go somewhere else!!!

    ...

  • author
    customer
    Aug 22, 2022
    Easy process

    The loan application was easy to complete online. The process was a breeze afterwards and my loan was completed in just a few days. Would definitely recommend.

    ...

  • author
    customer
    Aug 20, 2022
    The application process was…

    The application process was straightforward.

    ...

  • author
    Anna
    Aug 15, 2022
    Satisfied customer

    LendKey is so awesome and easy to deal with. I will use LendKey for all of my future needs

    ...

  • author
    Karen Mendez
    Aug 09, 2022
    Lendkey is great place to refinance…

    Lendkey is great place to refinance your student loans. The review process was efficient and easy. I wish I learned about Lendley earlier as I would have paid off my student loans years ago.

    ...

  • author
    customer
    Aug 07, 2022
    Easy Peasy

    Smooth application process. Approval and distribution completed in a timely manner.

    ...

  • author
    Chee
    Aug 03, 2022
    Interest is great and the process was…

    Interest is great and the process was easy.

    ...

  • author
    customer
    Aug 02, 2022
    Good customer service

    Good customer service. Fast and quick

    ...

  • author
    Lilith
    Jul 25, 2022
    I've refinanced twice with Lendkey

    I've refinanced twice with Lendkey, and been using them for over 7 years. I've rarely needed customer service but every time I have you dial the number and start chatting with a person who can help you. No menu dial, although I think they only recently changed that but its only a short menu, then a human. The staff has always been very helpful, kind and knowledgable. Simple application process and someone will always answer any questions. I recommend to everyone I know who needs a good lender. Each time I've refinanced I have had very different needs and I have always had a range of options available to suit my needs.

    ...

  • author
    Lennard
    Jul 22, 2022
    Awesomeness help

    Awesomeness help , thank you so much for helping a veteran

    ...

  • author
    Lauren
    Jul 19, 2022
    Application process is timely and…

    Application process is timely and checking the status is easy. I have refinanced with Lendkey a few times following my original consolidation and am so happy to have been able to get a MUCH lower interest rate than with my original loan company 😊

    ...

  • author
    Dane Zielinski
    Jun 27, 2022
    Best rates

    Best rates. Fast and easy-to-use!

    ...

  • author
    Todd C Smith
    Jun 22, 2022
    Great Experience!

    Lendkey has been instrumental in paying off my student loan. The interest rate is great! The payment dates are flexible. Their customer service is also very kind and understanding. They are a great company to work with and look forward to a continued relationship.

    ...

  • author
    customer
    Jun 21, 2022
    Easy

    Got me a good interest rate and it was pretty easy to sign up.

    ...

  • author
    RoyT5
    Jun 20, 2022
    great life saver...

    great life saver...

    ...

  • author
    Chris
    Jun 03, 2022
    Very easy and quick to use

    Very easy and quick to use. I had a few questions along the way and they were answered within 24hours which was excellent!

    ...

  • author
    customer
    May 30, 2022
    Lendkey provides easy and stress-free…

    Lendkey provides easy and stress-free assistance with my student loans. There are no secret policy changes. Everything is laid out for me at the beginning of each month. I use auto-pay and this makes everything easier!

    ...

  • author
    customer
    May 28, 2022
    Documentation request and process needs…

    Documentation request and process needs to be worked on.

    ...

  • author
    Happy customer
    May 25, 2022
    Brilliant

    LendKey made it fast and easy to refinance my private student loans. Responsive and friendly customer support along the way. Simple, no-frills website, everything just works. Bravo! Oh, and the rate is good too :)

    ...

  • author
    customer
    May 25, 2022
    Great and easy process

    Great and easy process. I have refinanced a few times and this was the smoothth.

    ...

  • author
    customer
    May 22, 2022
    It was the easiest refi process and…

    It was the easiest refi process and quick, too!

    ...

  • author
    Alex Dunn
    May 20, 2022
    Predatory Company with Unjust Policies…

    Predatory Company with Unjust Policies and Procedures I have 3 separate student loans through LendKey, and I have had difficulties with them from the beginning. First, they did not want to approve me without a cosigner despite my providing supporting documentation of my income (I suppose this should have been my first red flag). Now, in my repayment period it's gotten even worse. I have only been able to secure part time employment since graduating and am unable to make full payments. I have applied for forbearance 3 separate times, only to be denied despite more than enough supporting evidence. They make everything so complicated that I'm sure most people give in or give up. I can't believe that Navy Federal has partnered with a company that has such unjust practices. I regret ever taking a single cent from these people, and I tell everyone to stay away.

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  • author
    Mary A
    May 16, 2022
    The process was quick and easy.

    The process was quick and easy. No issues

    ...

  • author
    Adam Johnson
    May 13, 2022
    Absolutely waste of my time

    Absolutely waste of my time. I submitted legitimate documentation of everything and they kept denying each piece of submission. then one rep said I can upload an expired id since I am waiting for my id to come in the mail from the state. after almost 2 weeks of applying to the loan I end up calling again and then i get told they deny my application altogether when I am a contract employee. I am trying to refinance a student loan of $6,000. The original is amount is $8,500. I made some payments on it through sallie mae over the years. i got denied by Lendkey because I am a contract employee. I make $1,400 after taxes every single week because I get paid hourly. after submitting so much personal and confidential information on their website it took me having to call just so they can tell me i was denied. LENDKEY IF YOU ARE NOT GOING TO ACCEPT CONTRACT EMPLOYMENT AS "REAL" EMPLOYMENT THEN STATE THAT ON YOUR WEBSITE. DON'T WASTE PEOPLES TIME. I CAN EASILY MAKE THE PAYMENTS MAKING $1,400 every week. I WOULD NOT RECOMMEND LENDKEY TO ANYONE.

    ...

  • author
    Ari Ro
    May 11, 2022
    Great company

    Great company, not in it for money. Almost acts like a non profit although they are not. Website is simple, rates are great. Just a great all around company.

    ...

  • author
    customer
    May 06, 2022
    Thorough and efficient with the…

    Thorough and efficient with the refinance.

    ...

  • author
    for your order
    May 02, 2022
    Easy to use

    Easy to use. Helpful staff.

    ...

  • author
    Chas McCarthy
    May 01, 2022
    The process was seamless and extremely…

    The process was seamless and extremely easy.

    ...

  • author
    customer
    Apr 29, 2022
    Application process

    Quick application process and good interest rate.

    ...

  • author
    Sarah
    Apr 28, 2022
    Terrible experience

    I asked Lendkey change my due date which they did. I was given an effective due date only to have them change it online after the fact making it impossible for me to pay it without late fees. When I called and explained that they had made the mistake and that it wasn't fair to me, they said there's nothing we can do about it you just have to pay it or get late fees. I 100% regret refinancing my student loans with lendkey. Why am I being punished for a mistake that they made when they gave out false information

    ...

  • author
    Tim Mizdrak
    Apr 22, 2022
    Super Easy to use

    Super easy to use and gave a really good rate

    ...

  • author
    customer
    Apr 18, 2022
    Easy application process and approval…

    Easy application process and approval time highly recommend Lendkey!

    ...

  • author
    Joe
    Apr 08, 2022
    Pleasantly simple

    Pleasantly simple

    ...

  • author
    customer
    Apr 08, 2022
    Refinancing from fed to lendkey

    Smooth process and prompt customer service.

    ...

  • author
    Suzanna S
    Apr 08, 2022
    Never thought I would want to say something positive about a student loan servicer!

    I’ve had so many servicers over the years for my student loans (Sallie Mae, Navient, Wells Fargo, FirstMark…) that have ranged from truly awful to just ok, but I have never had a company before that I wanted to take the time to write a good review for. Besides getting a way lower rate and saving a bunch of $ on my refinance, I can honestly say that LendKey is the only company that I have ever felt are truly trying to help the borrower. From the beginning, everyone I have spoken with has been so nice and helpful…and when I had a small issue with changing the auto-debit date on my account because of a recurring computer glitch, the rep who was helping me (Crystal) was so accessible and didn’t stop until she got everything set totally right for me. It’s unique just to be able to reach the same person right away at a loan company, let alone have them really be on top of your case without having to chase them down or remind them. Overall, I’m just really impressed with these guys, and particularly the customer service, which is something I never thought I would feel for a loan servicer!

    ...

  • author
    Ellie
    Apr 07, 2022
    Awesome and easy to use and apply

    Awesome and easy to use and apply! The application process went super smoothly, and I was able to refinance a student loan that I was unable to refinance anywhere else!

    ...

  • author
    customer
    Apr 03, 2022
    I like how simple and easy the…

    I like how simple and easy the refinance process was. The site is relatively easy to use. On your account page, you can see everything right away, which I really like. However, it would be ideal to have an app.

    ...

  • author
    Alyssa Bellamy
    Apr 01, 2022
    Got a great deal on my refinanced…

    Got a great deal on my refinanced student loan! I lowered my monthly payment, APR and time to pay off the loan significantly.

    ...

  • author
    Caitlin Recor
    Mar 30, 2022
    Easy. Good interest rate.

    The interest rates cut my pay off time in half. It was easy. I've never had a single problem.

    ...

  • author
    Barry P Martin
    Mar 26, 2022
    Very quick and easy to talk to about…

    Very quick and easy to talk to about the lending process. Easiest Loan Transaction I ever Made.

    ...

  • author
    Travis Knox
    Mar 24, 2022
    Fast and great service

    The application process and the money distribution was quick. Lankey was able to find insecure a low interest rate for my private student loans

    ...

  • author
    customer
    Mar 21, 2022
    Refinanced my educational loans through…

    Refinanced my educational loans through Lend Key. They make it easy and offer great rates without hidden fees.

    ...

  • author
    customer
    Mar 17, 2022
    Lendkey is easy to work with

    Lendkey is easy to work with; flexible. The website is also clear, detailed, but not busy.

    ...

  • author
    customer
    Mar 13, 2022
    The real deal for refinancing.

    The real deal for refinancing.

    ...

  • author
    ALoeve
    Mar 12, 2022
    Refinancing with LendKey

    Refinancing with LendKey was super easy. I wish I would’ve done it sooner!

    ...

  • author
    David Braun
    Mar 10, 2022
    After being frustrated at other student…

    After being frustrated at other student loan refinance sites. Credit checks and delay after delay. LendKey completed the entire refinance without as much as a hiccup.

    ...

  • author
    Keptprivate
    Mar 08, 2022
    Sketchy at best

    I am the cosigner for my daughters loan. I have a regular income (employee) and submitted the W2's (had 2 different jobs last year). Have another income and submitted the 1099 (side consulting job). My regular income alone would have addressed the requirement for the loan but now they need 3 years of detailed tax returns. Sounds like they are data mining personal information.

    ...

  • author
    customer
    Mar 03, 2022
    Great service and great rate

    The experience was very good from start to finish. It took less than 2 weeks from start to end. They were very responsive and the rate saved us a good amount of money. I would recommend LendKey to anyone looking for a loan.

    ...

  • author
    Chris R
    Feb 28, 2022
    The loan I requested was not given

    The loan I requested was not given. I had asked for an overpayment to be able to pay off other bills but this could not be done. Very disappointed as in the past refinancing I was able to have this done.

    ...

  • author
    customer
    Feb 28, 2022
    This was by far the easiest process…

    This was by far the easiest process I've ever done. It was so quick and not hard to navigate. I really needed my interest rate lower and I needed to get my co-signer off, I did both of those through LendKey. I am so thankful and excited to pay lower and less overtime.

    ...

  • author
    customer
    Feb 27, 2022
    The process was quick and…

    The process was quick and straightforward.

    ...

  • author
    John
    Feb 25, 2022
    Better rate, not the easiest process

    I came to LendKey immediately after going most of the way through the ReFi process with another widely-known student loan ReFi company - stopping short of signing on the X. The process at the other company was incredibly easy - just minutes and a few little inputs and it was time to sign. But I worried that it was too easy - it made me double back and make sure there wasn't somewhere I could get a better rate. I'm glad I took a second look. LendKey got me over 1% improvement in rate, saving thousands. The "problems," I had were likely less related to LendKey and more to do with the Credit Union that it linked me with for the actual loan. They were surprisingly slow - so slow that it made me a little anxious about the process. My wife worked for a CU before though so I knew this was kinda normal. The submission process here was very manual and gave me opportunities to make mistakes, totally unlike the competitor. Finally, the rate I ultimately got was 0.25% higher than expected. The initial quote was 2.95%, with additional 0.25% discount for auto-pay. In the end, my rate with auto-pay was 2.95%. Oh well, still much better than the original rate I was so close to signing up for.

    ...

  • author
    customer
    Feb 24, 2022
    This was a very painless process with a…

    This was a very painless process with a short timeframe. Lendkey allowed me to refinance my student loans with a reasonable payment plan and fixed rate that won't change even with the reduction of my cosigner. Overall great experience.

    ...

  • author
    customer
    Feb 03, 2022
    Easy to refinance and gave me a hell of…

    Easy to refinance and gave me a hell of a deal. Thanks for making my month to month life easier.

    ...

  • author
    customer
    Jan 31, 2022
    Easy to use

    Easy to use. Process was simple and fast

    ...

  • author
    customer
    Jan 29, 2022
    I thought the process was relatively…

    I thought the process was relatively smooth. Just wish it was easier to talk to a person, not a robot, when I hit a snag in the application process and needed clarification.

    ...

  • author
    customer
    Jan 25, 2022
    Great process initially

    Great process initially, however rates quoted where significantly lower than actual rates. Still good but there is a impression of luring tactics.

    ...

  • author
    Tom C
    Jan 19, 2022
    Recent Drastic Decline

    Recent Drastic Decline. Until recently, I would have given Lendkey a 5star rating, for me the application process was great, payments were reasonable and principal pay down was great benefit of a lower interest rate. However, as of December there appears to be a 2 weeks delay in processing of checks. During which time they mark the account as past due and send emails just in time to say never mind as the check is finally processed. I contacted customer service and basically they said that unless the check is cashed its presumed not received. So I send a check on time, but because they haven't cashed it, its my fault? Unbelievable. I now will be switching services as I no longer trust this company.

    ...

  • author
    James Jordan
    Jan 13, 2022
    Best decision ever

    Real easy to switch over. FANTASTIC rates as opposed to Sallie Mae. Reconciliation is the greatest thing to do for a bulk of different loans with horrible interest rates. The process is simple as long as you have the needed information abs their team works fast to respond to what is needed/pending.

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  • author
    customer
    Jan 10, 2022
    Very poor communication

    Very poor communication. No one is on the same page

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  • author
    Riley
    Dec 27, 2021
    Riley

    Very helpful.

    ...

  • author
    customer
    Dec 19, 2021
    Easy To Manage

    The website was easy to manage. The application was easy to understand. I have worked with their customer service in the past for my loans and was able to connect to a person.

    ...

  • author
    Todd C Smith
    Dec 15, 2021
    It was quick easy and accurate

    It was quick easy and accurate! Thank you!

    ...

  • author
    Eli
    Dec 02, 2021
    Refinanced my student loan and half the…

    Refinanced my student loan and half the rate that I was paying! And it was easy! Thank you!!!

    ...

  • author
    customer
    Nov 22, 2021
    Great smooth experience!

    Great smooth experience!

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  • author
    Alex
    Nov 12, 2021
    Got me a good price and interest rate…

    Got me a good price and interest rate on refinancing. Very happy!

    ...

  • author
    Cynthia M
    Nov 08, 2021
    Take the time to save money

    Take my advice took a little longer to process than competitors but results saved me tens of thousands. Lower interest rate leads to Ning savings. All done online and could not be more pleased

    ...

  • author
    Chase
    Oct 26, 2021
    The process was easy and

    The process was easy and customer support staff was helpful. All in all couldnt be happier.

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  • author
    customer
    Oct 26, 2021
    The entire process was online and very…

    The entire process was online and very easy.

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  • author
    customer
    Oct 25, 2021
    The process was super easy to do and…

    The process was super easy to do and understand. The time to complete was reasonable and someone was always available to answer questions.

    ...

  • author
    customer
    Oct 18, 2021
    I can save money???

    The notification to refinance my student loan was greatly appreciated. Saved me over 1% with the refinance. The whole process took less than 2 days since I had my documents available to provide the lender.

    ...

  • author
    Dom Bartoli
    Oct 06, 2021
    LendKey saved me lots of money

    LendKey sure asked a lot of questions and needed quite a bit of information but in the end came through with an amazing offer with a fantastic apr. They knocked my payments down by almost 1/2 and saved me more than 1/2 of the finance charges I would have paid in the long term.

    ...

  • author
    customer
    Sep 26, 2021
    Lendkey was always very responsive and…

    Lendkey was always very responsive and professional about handling my loans. They made the experience very streamlined and took the fear out of making monthly payments. It was also extremely easy to refinance and change up my loans as well!

    ...

  • author
    Debra Oliver
    Aug 16, 2021
    Lendkey made refinancing easy

    Lendkey made refinancing easy. Plus, they gave me a great rate. I couldn't be happier with my experience.

    ...

  • author
    Austin White
    Jul 28, 2021
    Terrible Application Assistance

    Seems like a scam to me. I had to contact LendKey 5 different times to resolve problems on my application. Each time a new representative told me something new to submit. After submitting all the documents they requested, I was still not approved and called and emailed LendKey to discover why, after sending them all my information, I was still not approved. No email or phone representative attempted to explain why this was happening or try to assist me. Instead, they just canceled my application altogether. Not willing to work with their customers.

    ...

  • author
    customer
    Jul 18, 2021
    Quick and easy

    Quick and easy. Helpful if I had any questions.

    ...

  • author
    customer
    Jul 06, 2021
    Easy experience and got a great rate

    Easy experience and got a great rate - super helpful

    ...

  • author
    customer
    Jun 28, 2021
    Mostly positive

    Great experience overall. However, I give 4 stars because I could not refinance my loan sooner due to "income too low", which allowed me to stay at a higher interest rate while continuing to make my payments on time

    ...

  • author
    Daemon
    Jun 01, 2021
    Great experience

    Great experience

    ...

  • author
    Rma
    May 27, 2021
    Recommend

    Got the rate. Provided the needed docs. Got the lender. Done with refinance. No hassles.

    ...

  • author
    OlsonJ
    May 17, 2021
    Application process was streamlined

    The application process was straight forward, all proof/documents were uploaded from the computer. Pretty streamline. I was just waiting for the week or so, to get a response. I did have a problem during my application, but I sent an email and I got a response fairly quickly on how to remedy it. I would recommend LendKey, I got the best rate I was able to find.

    ...

  • author
    Lisa Petramale
    May 11, 2021
    The most disappointing customer service…

    The most disappointing customer service experience of my life. I have an existing loan with them and am trying to refinance. Both representatives lacked interest, knowledge and came off as unconcerned. They were of no help whatsoever. I could not get a straight answer. Totally disgusted. Clearly, they are overpaid and there must be a very short list for their jobs. Later Lendkey!

    ...

  • author
    customer
    Apr 27, 2021
    Quick to make a decision.

    Quick to make a decision.

    ...

  • author
    H B
    Apr 27, 2021
    Lendkey is a horrible customer service…

    Lendkey is a horrible customer service organization. They provide zero understand for active duty military who want to make regular payments to their student loan accounts. Please select another vendor when considering your student loan provider

    ...

  • author
    Kelsey Hunter
    Apr 22, 2021
    Wonderful experience

    Wonderful experience. I emailed and a specialist responded within 24 hours and helped me figure out what documents I needed to submit and I was approved within a couple of days!

    ...

  • author
    Angela
    Apr 09, 2021
    It was easy and convenient to switch my…

    It was easy and convenient to switch my student loans to LendKey. I am very much looking forward to this change, as the service and support so far has been top notch.

    ...

  • author
    Christy Kortokrax
    Mar 24, 2021
    Excellent!

    Excellent! I have a lot of law school debt. I mean - a lot. So much so that most other lenders would not let me refinance my current undergrad loans without a cosigner, which is something that I wasn't interested in since I have a very good job. I was able to cut my interest and my time down significantly and will be able to pay off the rest of my undergrad loans much earlier than anticipated, saving me thousands. Very pleased with LendKey.

    ...

  • author
    H B
    Mar 21, 2021
    Horrible service for Activity Duty Soldier

    As a prefered vendor for Navy Federal Credit Union Lendkey does not meet the value slogan of NFCU "Our people are our Mission" Lendkey failed the mission of this family with an active duty soldier. They provide zero support understanding and cooperation when making payments. I would never recommend Lendkey to anyone. Lendkey customer service is horrible and unresponsive.

    ...

  • author
    Lori Rahko
    Mar 14, 2021
    Password requirements TERRIBLE

    Password requirements are WAY TOO DIFFICULT. I can never log in to my account because I have to change my password to some weird thing that I never remember. Please change that!!!

    ...

  • author
    DeeAnn
    Feb 26, 2021
    Ease of process

    The process was easy and people responded in a timely manner and were friendly.

    ...

  • author
    ryan
    Feb 25, 2021
    Slow in the review of the application…

    Slow in the review of the application and as well as the funding, compared with what's stated as a standard turn-around time, as well as with other lenders.

    ...

  • author
    customer
    Feb 11, 2021
    Easy and fast

    Easy and fast

    ...

  • author
    customer
    Feb 07, 2021
    The application process for…student loan consolidation

    The application process for consolidating my student loans was impressively simple. It was fast and hopefully the actual process of my loans being paid by Lendkey is just as simple.

    ...

  • author
    customer
    Feb 07, 2021
    Easy, transparent process

    I was pleasantly surprised how easy this was and I got great offers. I will be saving thousands and all I had to do was fill out some information, snap photos of a few personal and loan documents (no scans needed!), and upload them. I was also not hounded by lenders by phone and email (as I was with a recent mortgage refinance inquiry with another similar service - that was a horrible experience and makes me much more appreciative of LendKey’s approach). They were clear when I hit the point that would affect my credit, and the whole process was quite transparent. I’m very pleased and will be recommending to others I know.

    ...

  • author
    Gjimi
    Feb 05, 2021
    I was happy with the whole process with…

    I was happy with the whole process with my student loan refinance. I would highly recommend this bank to my friends and family

    ...

  • author
    Blake Birchmeier
    Feb 05, 2021
    Amazingly quick and simple process

    Amazingly quick and simple process. Could not be happier to have used LendKey to refinance my student loans! Thank you.

    ...

  • author
    Alisha
    Feb 01, 2021
    They made the terms of the loan clear

    They made the terms of the loan clear, and the process of switching over from Navient easy.

    ...

  • author
    customer
    Jan 17, 2021
    Great Service and follow thru

    Great Service and follow thru

    ...

  • author
    customer
    Jan 15, 2021
    The application process was generally…

    The application process was generally fine. It was hard to tell what documents were needed and if they were accepted or if there were any more that needed to be uploaded.

    ...

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