The listings featured on this site are from companies from which this site receives compensation. This influences where, how and in what order such listings appear on this site.

LendKey Review

Find a customized quote easily

Reviews 309

This site is a free online resource that strives to offer helpful content and comparison features to our visitors. We accept advertising compensation from companies that appear on the site, which impacts the location and order in which brands (and/or their products) are presented, and also impacts the score that is assigned to it. Company listings on this page DO NOT imply endorsement. We do not feature all providers on the market. Except as expressly set forth in our Terms of Use, all representations and warranties regarding the information presented on this page are disclaimed. The information, including pricing, which appears on this site is subject to change at any time.

BestMoney Staff
Bestmoney Staff
Jun. 18, 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
Get answers to your questions instantly

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

LendKey LendKey View Rates

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.

LendKey
LendKey
ExcellentReviews 309
Visit Site

Top 5 Student Loans

Credible

Credible

Visit Site
Splash Financial

Splash Financial

Visit Site
Earnest

Earnest

Visit Site
Citizens Bank

Citizens Bank

Visit Site

Trustpilot reviews

See what some costumers are saying about LendKey
LendKey
ExcellentReviews 309
on
Excellent
80%
Great
9%
Average
4%
Poor
3%
Bad
4%
  • 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.

    ...

  • author
    customer
    Jan 08, 2021
    Excellent Service

    Fast. Quick. Easy. Simple

    ...

  • author
    customer
    Jan 08, 2021
    The process was straight forward and…

    The process was straight forward and easy to complete. My questions were also answered in a timely manner. My old loan was payed off quickly.

    ...

  • author
    customer
    Jan 07, 2021
    Very easy and convenient

    Very easy and convenient. Communication is done well.

    ...

  • author
    Jennifer
    Jan 05, 2021
    I chose to refinance my student loans with LendKey...

    I chose to refinance my student loans with LendKey because they had better rates than other lenders. It was a quick and easy process. I was also able to log onto the account to track everything while each step was being reviewed. I highly recommend LendKey!

    ...

  • author
    customer
    Jan 02, 2021
    Easy process

    Easy process, great rates zero complaints

    ...

  • author
    customer
    Dec 28, 2020
    Was able to have questions answered…

    Was able to have questions answered easily and quickly. Very happy with the help I received!

    ...

  • author
    customer
    Dec 21, 2020
    The application process was quick and…

    The application process was quick and easy. Customer service was helpful when I was prompted to call about application materials.

    ...

  • author
    Customer EC
    Dec 20, 2020
    A Painless Experience

    Everything was seamless, from online application, then questions asked of customer service over the telephone, and finally through online signing of loan documents and disbursement.

    ...

  • author
    Kayla
    Dec 17, 2020
    Private Student Loan Refinance

    I looked at several different companies to refinance my private student loans, but ended up choosing LendKey. I like that they use local banks and credit unions instead of large companies. They also offered me the best interest rate, and made the process of paying off my original lender very easy.

    ...

  • author
    customer
    Dec 17, 2020
    This was very easy to go through and…

    This was very easy to go through and apply. Quick responses and easy uploading of documents.

    ...

  • author
    sjgchambers
    Nov 27, 2020
    Lendkey have me a good interest rate…

    Lendkey have me a good interest rate with reasonable payment terms. Short turn around Tim.

    ...

  • author
    Josh S.
    Nov 27, 2020
    Lendkey was super helpful

    Lendkey was super helpful, and easy to work with as other lenders wouldn’t even deal with me or attempt to setup me up with a refinancing plan. I’m super happy that I was able to work with lendkey. Their customer service was very helpful whenever I had a question.

    ...

  • author
    Derek
    Nov 20, 2020
    Extremely easy

    Extremely easy, fully online, quick, massive savings - anyone with student loans should do this ASAP!!

    ...

  • author
    Daniel Pierre-Pierre
    Nov 16, 2020
    Lendkey came through!

    I had been looking to consolidate my student loans for a few years now and it was difficult finding a lender because previous lenders I had sought out rejected me. However, when I found Lendkey, the process of applying for consolidation was easy, understandable, and what’s best is that my loan offer was accepted and had recently been disbursed. The whole process was efficient and, with patience, a success. I feel as though I have peace of mind knowing that I’ll be in better control of paying off my student loans with just one monthly payment. Lendkey really came through for me and I am grateful for their aid. I highly recommend Lendkey for anyone who is dealing with student loans or any amount of debt that has been crippling your finances.

    ...

  • author
    Sara
    Nov 12, 2020
    Witholding bonus that was promised

    I qualified for and was assured I would receive a $750 bonus. They are now refusing to give it to me.

    ...

  • author
    for your order
    Nov 06, 2020
    The process was easy and I’m very happy…

    The process was easy and I’m very happy to have transitioned over with this company.

    ...

  • author
    Malika Norris
    Nov 06, 2020
    Quick smooth process

    Quick smooth process

    ...

  • author
    Emily
    Nov 01, 2020
    Great Rates and Service

    Customer service is excellent and rates are great! Very thorough, easy-to-understand process.

    ...

  • author
    customer
    Oct 15, 2020
    Was quick and easy

    Was quick, easy and stress free.

    ...

  • author
    customer
    Oct 09, 2020
    The process was quick and easy

    The process was quick and easy. Any questions I had were quickly and clearly answered.

    ...

  • author
    Chris M.
    Sep 17, 2020
    Road to freedom!

    I've been looking for a way to refinance my student loan for years. Recently, someone recommended me LendKey. I have to say, the process of finding the right and best option for me couldn't have been more straightforward. LendKey gave me several options with information that was clear and easy to understand for me to choose the best one that fit my financial needs. In my case, I wanted to consolidate and lower the interest rate of my student loans. After finding and selecting the right option, the application process was also straightforward; everything is online, making it easy to fill out forms and submit all the necessary paperwork. Ones you are approved, LendKey takes care of dealing with your previous lender and submitting the payment for you, making this whole process a breeze. Now I am ready to kick back and start enjoying the savings and financial freedom I have been looking for. Thanks, LendKey, for making it so easy!

    ...

  • author
    customer
    Sep 17, 2020
    Everything was super easy and went…

    Everything was super easy and went quickly once all of my documentation was in order.

    ...

  • author
    customer
    Sep 17, 2020
    Easy process to refinance my student...

    Easy process to refinance my student loans!

    ...

  • author
    Sebastien Larionne
    Sep 17, 2020
    Quick and Easy

    Quick and easy process, would work with Lendkey again in the future.

    ...

  • author
    AnonPT
    Sep 17, 2020
    Super easy and saved me money

    Super easy and saved me money! Great for tough times like these...

    ...

  • author
    Cmc
    Sep 17, 2020
    Awesome!

    Easy application and review process and super low rate! This will save me a ton of money!

    ...

  • author
    customer
    Sep 01, 2020
    Great experience despite an error on my part...

    Though the bulk of the application process was handled online, I had an issue with my loan terms selection and the operator who helped me address the issues was helpful, professional, and a real pleasure to work with. I greatly appreciate the service.

    ...

  • author
    customer
    Aug 29, 2020
    Excellent service!

    Excellent service!

    ...

  • author
    C. Jones
    Aug 15, 2020
    Finally cut my interest rate in half

    Words can’t express how highly I would recommend them - the whole application process was transparent and straightforward. Most importantly, Lendkey finally gave my personal credit a fair assessment where other lenders shut the door in my face for not wishing to involve a co-signer.

    ...

  • author
    Eeaygee
    Aug 12, 2020
    Easy process

    Easy process, customer service was very helpful when I ran into issues, approved my loan quickly.

    ...

  • author
    customer
    Aug 09, 2020
    Great rates

    Lendkey has great rates and easy to refinance student loans.

    ...

  • author
    Susan H
    Jul 01, 2020
    Wonderful

    Coming from a different lender and refinancing with LendKey was such a positive experience. Kind, helpful and patient people helped me every step of the way!

    ...

  • author
    customer
    Jun 27, 2020
    Good to work witj

    Clear and responsive.

    ...

  • author
    customer 22
    Jun 26, 2020
    So far so good

    So far so good, I haven’t seen my loans totally paid off from the payouts

    ...

  • author
    customer
    Jun 24, 2020
    More Competitive than other Platforms

    LendKey was a great platform to refinance student loans. I received more competitive rates than Credible and other tools. The transition from the signed application to the signed contract and live loan was smooth and all handled through the LendKey system. Customer Service representatives were responsive over the phone and a minor issue was escalated and resolved in the most professional manner.

    ...

  • author
    customer
    Jun 21, 2020
    When I have been confused and had to…

    When I have been confused and had to call, the people on the phone are always very helpful and can answer all my questions

    ...

  • author
    Karen Mendez
    Jun 20, 2020
    LendKey Experience

    My experience with LendKey has been efficient and super easy. Customer service answered any questions I had and provided great, reasonable solutions. I would definitely recommend them to family and friends.

    ...

  • author
    Steven A
    Jun 18, 2020
    Life Saving Decision

    Lend Key not only was one of the very few services that gave me a very good pre-approved rate, it was also one of the easiest applications I've ever done. They are also very quick in processing and they just saved me thousands of dollars and made it possible for me to move out and go forward in life. They gave me multiple options on rates and terms and I'm beyond happy with the whole process. Thank you!

    ...

  • author
    customer
    Jun 14, 2020
    Easy to work with

    Easy to work with. Fast response times.

    ...

  • author
    Dan K
    Jun 14, 2020
    They give You updates all throughout…

    They give You updates all throughout the process. They explain any issues and how you can fix them

    ...

  • author
    Odessa Gonzales
    Jun 14, 2020
    Great refinance options for students.

    I was able to reduce my student loans with a refinance at a much lower rate. It was simple and easy. The staff was very helpful with any questions I had.

    ...

  • author
    customer
    Jun 09, 2020
    Great service

    Great service. Communication could have been a little better during application phase. I am very happy to have my loans refinanced at a great rate.

    ...

  • author
    John F
    Jun 09, 2020
    Insanity

    I signed in online to get a payoff amount on my student loan and then made that stated payment immediately. Congrats, right? I paid off my loan? Time for a celebration? NO! Time for a call from a debt collector on behalf of LendKey! It turns out the payment took 5 days to process on their system. So now the payoff was incorrect in the amount of two dollars by the time it posted. What a joke right? It gets.... BETTER! Then that threw another interest period on there for like $55. This company can blow me. I can't believe you fools had someone call me over $2 after I made the 11k payoff payment quoted on YOUR obviously broken website.

    ...

  • author
    customer
    Jun 08, 2020
    Great service

    Great service

    ...

  • author
    Melva Tignor
    Jun 08, 2020
    Lend key has helped me get out of an…

    Lend key has helped me get out of an awful loan with Navient.

    ...

  • author
    L. Ortiz
    May 24, 2020
    Easy process and a great experience

    Easy process and a great experience! No hassle, stress-free! Thank you!

    ...

  • author
    customer
    May 24, 2020
    Straight forward

    Straight forward, great customer service and you’re saving me a lot of money!

    ...

  • author
    Ari
    May 21, 2020
    I had no issues and was able to quickly…

    I had no issues and was able to quickly and easily apply for loan consolidation, eventually lowering my monthly payments and the term of my loan.

    ...

  • author
    customer
    May 17, 2020
    Fast and easy refinance

    Fast and easy refinance

    ...

  • author
    customer
    May 17, 2020
    It was a fairly quick process and they…

    It was a fairly quick process and they kept communication open when they needed more info

    ...

  • author
    Donald North
    May 10, 2020
    I have been surprised by the ease

    I have been surprised by the ease in which I was able to refinance my student loans! It is amazing to now have a definitive date that they will be paid off and I was able to reduce my payment by 170 a month!

    ...

  • author
    Stephen Davenport
    May 10, 2020
    Great customer service and I talked to…

    Great customer service and I talked to several people.

    ...

  • author
    customer
    May 10, 2020
    Consolidating Student Loans Great Interest Rates

    This is the best option to consolidate student loans, it is wonderful that it shops around for the best rates and gives you different options allowing you to choose what best works for you!

    ...

  • author
    AF
    May 09, 2020
    Got a better rate than my old loan and…

    Got a better rate than my old loan and customer service has been good so far!

    ...

  • author
    KRG
    May 06, 2020
    Left me hanging after approval

    Approved my loan, paid off my servicer, then left me hanging for a month. I had to send an email to find out my account information. The reply I got gave me the website (which I obviously had) and a reference to password reset instructions (not needed), and when I logged in, everything was magically there. It should have included "sorry that we overlooked this, we checked the box to activate your account, thank you for letting us know."

    ...

  • author
    customer
    May 02, 2020
    Easy to do, and best interest rate out there!

    Easy to do, and best interest rate out there!

    ...

  • author
    customer
    May 02, 2020
    Very good service!

    Very helpful and accommodating during this difficult time.

    ...

  • author
    customer
    Apr 27, 2020
    Easy to apply and good rates!

    It was easy to apply for my student loan refinance and I got a great rate.

    ...

  • author
    TA
    Apr 26, 2020
    Their interest rates are rather high…

    Their interest rates are rather high which is the only negative. Their customer service is fast and the process is straight forward and user friendly.

    ...

  • author
    Jordan
    Apr 24, 2020
    Best fixed rate

    Found the best fixed rate for student loan refinance out of any other lender! So far so good !!

    ...

  • author
    Olivia
    Apr 19, 2020
    Not for customer, for profit

    The site is ok to navigate, but doesn't clearly state what your minimum payment actually is. Also, the interest rate grew quickly and arbitrarily. My rate increased by a lot, even with me paying off early. I paid nearly $5000 over 3 years on one loan alone, with over paying my monthly due, and still only paid about $1000 on my principal. I had to jump through hoops to consolidate my loans, also through Lendkey, which has a lower rate for now, but I fully expect to be paying the max 18% interest rate, which is criminal. You aren't a service to the customer, you are purely a for-profit business

    ...

  • author
    customer
    Apr 17, 2020
    Everything seemed very easy

    Everything seemed very easy. My only confusion was setting up the IFCU account. I set it up on my own thinking that’s what I had to do but then I think they received a second application from Lendkey? I eventually got it worked out. Otherwise, things were very easy!

    ...

  • author
    Brian C.
    Apr 16, 2020
    Very easy process

    Very easy process, completed all online,never had to even speak with anyone over the phone, and the interest rate is great....very impressed!!

    ...

  • author
    Jose
    Apr 16, 2020
    Excellent Service

    Easy process to refinance my student loans and very good rates.

    ...

  • author
    awood192
    Apr 15, 2020
    User since 2016, love it

    I first consolidated with LendKey in 2016, right after my initial loan provider would not provide any forbearance while I as waiting for my full time job to start in 6 months. LendKey offered me the best rates and a 6 month forbearance right off the bat and it helped me tremendously. I have not had any problems in the almost 4 years since then. Automatic payments were a breeze to set up, and the smal 0.25% rate discount is a nice touch. The few times I've had to contact them, customer service has been nothing but helpful, friendly, and effective. I just refinanced with them this year and the process was simple and self-explanatory at every step. I definitely recommend them to all my friends.

    ...

  • author
    Happy Angelino!
    Apr 13, 2020
    LendKey has been great

    LendKey has been great! Their customer service reps have answered all my questions and have been extremely helpful with the refinancing process. If you have the option to refinance through them do so!

    ...

  • author
    Stephen Gladieux
    Apr 12, 2020
    Quick

    Quick, clear, and competitive. Everything you want in loan consolidation.

    ...

  • author
    customer
    Apr 12, 2020
    They made it easy and fast to move away…

    They made it easy and fast to move away from the federal loans I had.

    ...

  • author
    PK
    Apr 11, 2020
    easy to use

    easy to use, great rate

    ...

  • author
    Holly R
    Apr 10, 2020
    This company does not care about you

    This company does not care about you. I have had my loan with them for a few years now and everything is fine if you can afford their high payments. But they do not offer income driven repayment if you didn't finish your degree. And If you god forbid lose your job they basically reply with well we are going to take the money whether you have it or not. I have cried many times on the phone when dealing with this company and I'm currently looking at refinancing elsewhere. Even during the Covid 19 crisis they still expect you to pay your student loans and their forbearance is a complete joke. Lendkey states your loan will still accumulate interest on your loan which only raises your monthly payment once you are out of forbearance. Many times I have considered taking my own life just to not have to deal with this company anymore because it feels as though there is no escape from this loan shark of a company. I shocked at the 5 star reviews people are leaving and think they are probably not real people because I dont know how anyone (unless you are rich) could possibly have a positive experience with this company.

    ...

  • author
    Jack Rintamaki
    Apr 10, 2020
    Be carefull with them

    Be carefull with them. Looked at account last month. Said payment for April was 0. This was after Covid 19 stimulus package passed. Today 4/10 they called. Said payment was missed and they HAD NO COVID19 ASSISTANCE

    ...

    site logo

    Copyright © 2009-2021 Natural Intelligence Ltd. All Rights Reserved.

    By using our content, products & services you agree to our Terms of Use and Privacy Policy.

    • About Us
    • Cookie Policy
    • Terms of Use
    • Partner with us
    • Privacy Policy
    • Contact

    Designed to help users make confident decisions online, this website contains information about a wide range of products and services. Certain details, including but not limited to prices and special offers, are provided to us directly from our partners and are dynamic and subject to change at any time without prior notice. Though based on meticulous research, the information we share does not constitute legal or professional advice or forecast, and should not be treated as such. Company listings on this site DO NOT imply endorsement. We are not a loan provider or a broker and we do not offer loans or mortgages directly to end users, but only allows users to match with lending partners and platforms that may extend a loan. All loan approval decisions and terms are determined by the loan providers at the time of your application with them. Any matching request submitted through our website does not constitute a loan application and you will have to submit a loan application to the respective lender before the lender provides you with an actual offer. We do not warrant that you will be approved for a loan, nor that you will be offered a loan with the same terms presented on our website.

    Reproduction in whole or in part is strictly prohibited.