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.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.
Stay away from Lendkey. They are dishonest and just take your money and trap you in the loan forever. They take advantage of young student. The Bible says the love of money is the root of all evil and this company is the definition of this. It's terrible.
My previous student loan holder had high interest rates, and my amount kept growing. When I switched to LendKey, I was able to take a breath of fresh air. They helped me get on the right track and I've paid over half of my debt already! Makes me so happy to see the light at the end of the tunnel. Thank you LendKey!
pleasent working with lend key however i wish that the loan would be seen on my veridian account so i can see when its due from my phone app instead of trying to figure out a time to get on the computer and look at it
Taking a chance on me to refinance my loans
HORRIBLE. INTEREST CHARGES ARE ABSURD!!!
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 present. I have enjoyed phone calls with them to solve an issue because there really seems to be a genuine attitude of “how can I help.” I have also enjoyed very competitive interest rates and a discounted rate for ACH payments, which makes it a no-brainer. LendKey has been a fantastic bridge between my loan needs and a credit union that can meet them. The only critique I have to offer is that I wish there was a mobile app!
I got a good rate, it was easy to consolidate my federal student loans, and it's easy to make payments and see how far I have to go. The extra percentage off for auto-payments is nice, too.
Helped me lower my student loan rates from 18% to 8%. Such a great, efficient, and fast process. Would recommend!
Quick, easy, and effective. All I had to do was fill out the applications and send it the proper documents. They were able to cut my term in half, lower my APR by 3.5%, all while keeping my payments the same
LendKey poorly represents the underwriting creditability of major credit unions that are advertising low private student loan rates online. I've never had an issue qualifying for the lowest advertised rates ever on any type of credit loans but for some unexplainable reason I can't through LendKey's underwriting specialists even with an 800+ credit score and making over 6 figures a year. I've been in the lending business for a long time so if you have excellent credit and great income save yourself from making a credit inquiry on your credit because LendKey won't honor the credit unions advertised low rates since they make the final loan decision.
Lendkey consolidated my loans at a lower interest rate. The transition from my previous private loan provider was seamless and easy. I’m thankful!
Great company, easy to apply. I would give them 5 stars but the process is slightly lengthy.
LendKey was an excellent choice for me, they provided an ease of comparing loan rates, clear application, and great communication via email through the process.
When I refinanced, I initially accepted with LendKey because I was under the impression it was a fixed rate. Turns out that was not correct and now it has been steadily increasing every three months, I am not in the double digits of interest rates when I only accepted this refinancing because of the lower interest rates than my previous loan. Over the first year with them I paid over $12,000 and my loan only decreased by $3,000. Recently, I returned to school and went to request an in school deferment. The only option they provide is a forbearance which can only take place up to 18 months (shorter than the period I will be in school), and you are still expected to make some kind of monthly contribution to the loan. I feel as if though it will be impossible to pay off this loan ever with the continual increases in rates. I left Sallie Mae for this company because I thought the experience would be better, I was wrong.
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 hope this isn't how you regularly conduct business. I would expect a call and an explanation, but won't hold my breath.
LendKey was great. Any time I called for clarification, my call was answered quickly and the representatives were very helpful. I've been trying to refinance my student loans for years and the rates have either been higher than I already paid or I was declined due to the size of my loans. How are you supposed to lower your debt if the rates are impossibly high? LendKey was amazing and now I can make some real headway.
Super easy, quick process. Very easy to work with. Highly recommend
I am happy to be able to reconsolidate my loans BUT i had to do the application process 4 times over the phone before LendKey was able to get it right. the information transfer between them and credible was awful. Even after talking with them on the phone they still submitted the wrong loan and i had to get it redacted just for them to submit the same loan again. what should have been a month long process took almost 3.
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