This was an easy smooth process
This was an easy smooth process in which I ended up with a 5% lower interest rate on all of my loans consolidated into one. I am extremely happy with this. Thank you lendkey!
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
Private Student Loan Refinance
It was easy to refinance my student loans and their service is like a market and give you options to choose from and is transparent. As an added bonus, the lender I choose required a federal credit union membership which was super easy to get and offered a better banking experience. If you don't know about credit unions, also check the out
Lendkey is simple, streamlined, and transparent
I refinanced $100k in student loans with them a few years ago, now 80% paid off and I have had a very good experience overall. The website is straightforward, easy to use, and doesn’t try to sell you anything extra. A much better experience than my original lender.
Service response is good
Service responded to and answered my question in a timely manner and with correct information.
The two best things about LendKey are…
The two best things about LendKey are the interest rate and the experience. The website is easy to use, and the lower interest rate was perfect for me. I would highly recommend them to anyone looking to consolidate their school loan.
Great rates, great service
Lendkey offered a lower rate through a co-sign option, with the ability to release co-signer after 12 months of on-time payments. The co-signer wasn’t an option with my previous servicer. They also gave me 0.25% off for autopay. Every time I’ve interacted with them they’ve given exceptional service. Thank you!
great customer service
The student loan refinancing task has been a year long process for me. Lendkey was quick; easy; and calling them is a breeze. They answer questions quickly and extremely helpful.
Student loan refinance
The application process was fast and easy, and I got a much better rate by refinancing one of my student loans. When I did reach out via email, they replied in a prompt matter. Great experience overall!
After 13 years or so, finally an opportunity to refinance your private student loans
After 13 years or so trying to refinance my private student loans, I was finally given the opportunity with LendKey! I used credible.com, and helped me through this experience that led me to LendKey! Such a wonderful experience and I’m so thankful and extremely grateful that I can now start to work on the next chapter in life and steps to providing more for my daughter and reach our next goal to move out of our 1 bedroom apartment and into a house! I’m so appreciative, excited, and overjoyed with my experience, more companies should show more compassion like LendKey to help give others’ opportunities instead of knocking each other down with no way of prospering!
Very satisfied
Simple, easy, clear process. No tricks where they deny after they have approved. Very helpful and straightforward. Great to not have to use Co-signers. Highly recommend.
great interest rate for refinancing student loan
Lendkey had a great interest rate for refinancing my student loan. I am paying half of what I used to pay in interest. It was easy to set up an account online. Good company to work with. No problems at all.
Smooth Operator
Getting my loan approved and disbursed at a good rate has been swift and smooth. The application process was organized and straightforward. I am glad i went with Lendkey. Thanks for the excellent service, it is much appreciated.
Lendkey has the best rates!
Lendkey gave me the best rate on my loan consolidation and even let me refinance again to get a lower rate. The process is simple and straightforward unlike other companies that advertise great rates and then offer something much higher after you go through the application process
Easy and straightforward
Emails to nowhere and confused customer service agents
I applied for forbearance of my student loan due to medical bills arising from a NICU stay. I provided all documentation and budget as requested. They took nearly a month to respond. They asked for a paystub from me, which I don’t have due to being a stay at home mom. I told them that via email, twice, and also through a phone call asking to verify if they needed documentation of my stay at home status. They ignored my emails and the service agent seemed just as confused as I was, and not helpful in the situation. I provided my husbands stubs to document what income I was living off of. They then denied my application saying it was incomplete. Would not have been a problem if they would have been in touch with me BEFOREHAND to simply answer my questions and let me know what they needed. They ignored my email. When I again wrote an email to complain, they ignored it as well. I am now back to square one to submit a forbearance request and wait an entire month for it to process. Funny that their reply is to contact them, as if I haven’t already tried that multiple times. Lol. Thanks I’m not in the mood to talk to a disinterested employee or write another email to nowhere. Did a robot write that? I think the customer service at this place is run by an AI.
Reply from LendKey2023-03-16
Thank you for your feedback. We're sorry to hear that you have had a negative experience and would like to see how we can assist you. Please contact us via phone or email so we can confirm your loan and investigate your case further. We can be reached at 877-304-9302 or [email protected], Monday-Friday from 9AM-8PM EST.
The number of installments was…
The number of installments was significantly reduced, without increasing the monthly payment amount.
I applied to refinance private student…
I applied to refinance private student loans and was offered a good rate at 4.49% with conditional approval based on my income. I submitted W2s, payslips, and offer letter that captured 8,000 more than the threshold required for the loan. I also had my Dad as cosigner. They rejected me because they did not include my On-call stipend of 8,000. But notwithstanding that, my base+location differential in my offer letter is exactly the threshold but for some reason the rate on my pay stubs net a mere $78 deficit for the year. 6 figure income and they were going g to deny me over an apparent $78 shortage while overlooking the $8,000 on-call revenue which is guaranteed. I thought, no problem, I will send you pay stubs from my part-time job at Target which will clearly bridge the $78 made up deficit. They denied that as well. In hindsight, what I've realized is LendKey is not a legitimate lender like ELFI or RISLA. This was a classic BAIT AND SWITCH designed to lure you in and stick you with less favorable terms. If this is how they handle the approval process, I wonder what nefarious practices lie in store for those that get approved. MY ADVICE IS TO STEER CLEAR OF LENDKEY. FOLLOWING RECEIPT OF THIS REVIEW, LENDKEY PROMPTLY REACHED OUT TO UNDERSTAND WHAT HAPPENED AND REVEIWED THE EXISTING DOCUMENTATION AND WAS ABLE TO OFFER THE ORIGINAL TERMS WHICH WERE MORE FAVORABLE THAT ANY WE HAD SEEN OUT THERE. WE APPRECIATE LENDKEY'S RESPONSIVENESS AND WILLINGNESS TO MAKE THIS RIGHT.
Reply from LendKey2023-02-22
Thank you for providing the additional information so that we could review your situation and help out. We hope that you we were able to achieve the outcome you desired. Have a great day!
User friendly, prompt, helpful
LendKey is user friendly, prompt, and really helpful anytime I’ve called in with a question or needed to find something on the website. I chose to refinance my student loan with them a second time after a really positive first refinance/consolidation experience. Thanks!
easy process
Easy process online
Easy process online. Took a nit of time to disburse but overall process was pretty easy.