About LendKey
Data updated- Website
- lendkey.com
- Category
- Public & Local Services
- Location
- United States
- Status
- Unclaimed
- Last 12 months
- 18 reviews
- Replies to negative
- 27% (4/15)
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About this business
Get to Know LendKey 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 Service Applying 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 Refinancing Refinancing 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 Loans Achieve 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.
Written by the business, not verified by us.Is LendKey legit?
LendKey (lendkey.com) has a 4.4 out of 5 rating on OK.one, based on 100 user reviews collected here. It is listed under Public & Local Services and its reputation is good. 83% of reviews are 4 stars or higher and 11% are 1 star; The business has replied to 27% of negative reviews; 18 of them were added in the last 12 months. Last updated 2026-09-01.
What people say
Technology is lacking
Easy process to get the loan. Happy with loan term and rate. Technology is lacking. No mobile app. Recently updated their authentication flow and constantly loops you between old and new login pages. Super confusing and inefficient. Also, their refreshed interface still lacks basic features like principal only payments.
The process was straightforward and…
The process was straightforward and easy. I also had timely help when I needed it.
They hold your payment & do not credit…
They hold your payment & do not credit until the payment due date. So if you want to pay extra or early, you’re out of luck. It is so they can charge you interest those days between when they receive your payment & actually credit it to your account. Then their system messes up the payment.
They were great to work with!
Awesome Student Debt Consolidation Service!!!
Lendkey offers student debt consolidation that I found was easier than asking my local credit union. Easier in that the interest rate (plus an additional decrease in interest rate for autopay) made the loan way more manageable and I wasnt being nagged about reminders. Though it is true that they withhold early payments until the next pay-date, I found that it eased my mind to submit an early payment on top of my auto pay to contribute to the principal in a bigger way. I could forget about it after submitting and wait until my funds replenished to submit another extra payment.
Easy
Easy, people on the phone were really helpful and explained every step
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.
The loan process went very smooth
The loan process went very smooth. The associates were very helpful and knowledgeable!
Very quick and easy
Very quick and easy. Just the help I needed
This was a simple and fairly quick…
This was a simple and fairly quick process. And the rates are good.
Reply from LendKey2026-03-10
Hi Bobbi, thank you for your review! We're always here to help if you need further support.
Great and easy
Efficient and helpful
The staff was so helpful and the process was efficient.
Reply from LendKey2026-02-12
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.
Super easy and great process
Reply from LendKey2025-12-02
Hello Valary, we're so glad to hear that! We're always here to help.
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.
Reply from LendKey2025-12-02
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.
It was a very easy process
Reply from LendKey2025-10-30
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!
Reply from LendKey2025-10-28
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.
Reply from LendKey2025-08-22
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
Reply from LendKey2025-08-14
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.