Being in loan and real estate for so long, but I have never encountered such an excellent personal loan like LendKey. Loan process is so easy, the best rate 9% APR, different length of payment history... See more
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See what reviewers are saying
I had a bill due, and no notice was given. I got a call from a rep, but they wouldn't even say what it was regarding and just ask for sensitive information with no guarantee who it was. I sure h... See more
From initial account creation to finalizing terms and setting up auto-pay, LendKey makes it easy! I had my old high interest loans taken over and bundled into one much lower interest loan. The entire... See more
I’ve been with LendKey for quite a while now (cumulatively). I’ve refinanced my private student loan several times over the past five years and LendKey was a serviced I selected twice, to include the... See more
Company details
About LendKey
Written by the company
LendKey is on a mission to make lending simple. We connect our partner financial institutions with consumers looking for education loans to help them achieve their goals. Consumers enjoy low-rate loans through our digital platform. Applying for a loan with LendKey is fast, transparent, and has no unnecessary fees.
First-Class Customer ServiceApplying for a loan can be daunting but don’t worry, we are here to help! Our dedicated customer support team is there to help you through the loan process and can answer any questions you may have. Give us a call or email.
Student Loan RefinancingRefinancing student loans allows you to do a few things. If you have multiple loans, you can combine them into one brand new loan making it more convenient to stay on top of personal finance. You’ll also have the chance to release consigners on your existing loans, eliminating them from any liability. A student loan refinance replaces all your existing loans (or a single student loan if you only have one) with a new loan with new terms. By qualifying for a lower interest rate or reducing the payback period of the new loan, you could save thousands in interest over the life of the loan. By refinancing your existing student loans, you could see a dramatic reduction in your interest rate. Check your rate with no impact to your credit score via LendKey.com.
Private Student LoansAchieve your dreams of higher education with a low-rate student loan through LendKey! You may be able to borrow up to 100% of your school-certified cost of attendance. This may include tuition, room and board, textbooks, and other related education expenses. Students can apply for this loan if they are enrolled at least half-time in a degree-granting program from an approved school. This application is credit-based so if you do not have an established credit history and a steady source of income, a cosigner may be needed.
Private student loans should be used as supplemental funding after exhausting all sources of financial aid, including grants, scholarships, and federal student loans. Federal loans offer more attractive terms when compared to most other borrowing options, including private student loans. For more information on federal loans, visit http://www.fafsa.ed.gov.
Contact info
9999 Carver Road, Suite 400, 45242, Blue Ash, United States
- lendkey.com
4.5
Excellent
483 reviews
Asks customers to review
This company invites their customers to review, whether positive or negative
Replied to 100% of negative reviews
Typically replies within 1 week
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The interest rate is the lowest I've ever had on a school loan!
The interest rate is the lowest I've ever had on a school loan! I've also been able to put it into forbearance and only pay the interest for 6+ months while I've been struggling to get steady contract work.
13 April 2026
Unprompted review
The loan process went very smooth
The loan process went very smooth. The associates were very helpful and knowledgeable!
1 April 2026
This was a simple and fairly quick…
This was a simple and fairly quick process. And the rates are good.
28 February 2026
Reply from LendKey
Hi Bobbi, thank you for your review! We're always here to help if you need further support.
Reply from LendKey
Hello Nancy, we're so happy to hear you had a great experience and we are always here to help!
LendKey is #1!
I've had a fantastic overall experience using the LendKey service. When I was looking to refinance my student loans some years back, LendKey was the only company that provided me with what I felt was a reasonable, low interest rate that significantly reduced the amount of interest I was set to pay. Their "no-frills", simple interface reflects a commitment to maximizing value for both their institutional and borrower partners. I love that this service connects borrowers with small financial institutions across the country that they wouldn't have known about or been able to do business with otherwise. I highly recommend LendKey as the absolute first place anyone should look when exploring refinancing if you want transparent business practices & a low interest rate.
6 January 2026
Unprompted review
Worked with me to find the perfect loan
I love how they worked with me to get the right loan. They did not approve my first application or two, but rather then restarting everything, they kept working with me to find the lowest interest that will work. I have not had that with other companies.
1 December 2025
Reply from LendKey
Hi Jacob, thank you for letting us know and we're so glad we were able to help! We're always here if you need additional assistance.
Super easy and great process
21 November 2025
Reply from LendKey
Hello Valary, we're so glad to hear that! We're always here to help.
Reply from LendKey
Hello Colin, we're so glad to hear that! We are always here for any support you need.
This is the WORST experience I have…
This is the WORST experience I have EVER had!! THEY ARE RUINING PEOPLE'S FINANCES. First of all, my most recent qualm is them double charging me. Their system DOES NOT notify you via email when your payment is PENDING. I paid my loan on a Friday October 3rd. My co-signer and I got a notification on the 7th that I had not paid yet and my loan was delinquent. I go to the account and the payment from the 3rd IS NOT NOTED ANYWHERE. I make the payment AGAIN. THEY TOOK BOTH PAYMENTS OUT OF MY ACCOUNT!! MIND YOU, my loan payment is $943. NINE HUNDRED FORTY-THREE DOLLARS. AND THEY CHARGED ME TWICE. To make matters WORSE, I called and they told me I could apply it to the loan or get a refund. I requested a refund. They STILL have not refunded me, I have no email about it or anything. I am LIVID! ON TOP OF THAT, I only get paid once a month on the last day of the month and my payment is on the 15th. I have requested to have it changed, but I have to clear the $943 twice in the month before I can change it. I have HAD IT! I have a whole $79,000 before I can even get rid of them because no other company will take that big of a loan. Thank goodness I have my cosigner to advocate for me!
22 October 2025
Unprompted review
Reply from LendKey
Hello Dailen, we were very sorry to hear about this experience and any confusion. We're glad our customer service team was able to reach out to discuss and help, and if you have any additional issues our team would be happy to assist further.
Quick to approve!
very quick in approving refinance loan. Every step was explained carefully and the guide on how to submit documents needed was clear and easy to upload for the most parts.
11 August 2025
Reply from LendKey
Thank you for your review, and we're glad to hear you had a great experience!
Absolutely the most irritating company…
Absolutely the most irritating company to deal with on a monthly basis
13 August 2025
Unprompted review
Reply from LendKey
Hello, thank you for leaving a review and we're very sorry to hear you've had a poor experience. We'd love to hear more if you could please reach out to us at (888) 966-9268.
Easy user experience
Running a rate check was quick and easy - the simplest rate check form I've filled out.
13 August 2025
Unprompted review
Reply from LendKey
Thank you for your review Mike! We're glad you had a great experience.
I liked the automated format to…
I liked the automated format to refinance my student loan. I was stressed because my payment was going up. LendKey had good options and I was able to get approved.
25 July 2025
Reply from LendKey
Thank you for your review Kent! We love hearing how we were able to help.
Made refinancing my consolidated as easy as possible
Made refinancing my consolidated student loans with one outstanding loan company into those I already had with LendKey a breeze. It reduced my monthly payments by over $200 while also keeping me on track to finish repayment around the same time.
11 July 2025
Reply from LendKey
Thank you Rachel, we're so glad we could help! If you ever have any questions, our customer service team is always available.
Lendkey won't release the co-signer…
Lendkey won't release the co-signer even when the borrower meets the requirements. I tried to get my name removed from 1 loan in the amount of $7,700 and they denied it. My daughter has her Masters Degree, employed with the county and has a credit score in the high 700's.
I was able to get a home loan with the student loans in my name with a salary lower than my daughters. Make that make sense.
18 June 2025
Unprompted review
Reply from LendKey
Hello Pam, thank you for sharing your experience with us. We know how important it is for co-signers to feel confident about the release process. While a strong credit score and steady employment are great achievements, our review looks at several factors to determine eligibility, including things like payment history and income. We understand this can be frustrating, and we have communicated the specific reasons for this decision directly to the borrower. If you’d like more details or have questions, our loan analyst team is always happy to help clarify further.
The best home improvement private loan
Being in loan and real estate for so long, but I have never encountered such an excellent personal loan like LendKey. Loan process is so easy, the best rate 9% APR, different length of payment history... This definitely is the best home improvement lender out there! Please support LendKey. Thank you from Jane Le.
25 June 2025
Unprompted review
Reply from LendKey
We love hearing this! Thank you so much for letting us know, we really appreciate the feedback.
I refinanced with LendKey and the…
I refinanced with LendKey and the process was smooth & easy. They gave me a much better rate than what I had before.
13 May 2025
Unprompted review
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