LendKey Student Loans Review: Credit Rates from 4.49% APR with No Fees

Really appreciate how they stuck with me to find the perfect loan. My initial applications didn't go through, but instead of making me start from scratch, they continued helping me locate the best interest rate that would actually work. Haven't experienced that kind of service from other lenders.

Really simple and excellent experience

The whole process was super straightforward

This is the ABSOLUTE WORST experience EVER!! THEY'RE DESTROYING PEOPLE'S CREDIT. My latest issue is getting double charged by them. Their system DOESN'T send email alerts when payments are PENDING. I submitted my payment on Friday October 3rd. On the 7th, my co-signer and I receive notice that I hadn't paid and the loan was delinquent. I check the account and there's NO RECORD of the 3rd payment ANYWHERE. So I pay AGAIN. THEY WITHDREW BOTH PAYMENTS FROM MY ACCOUNT!! KEEP IN MIND, my payment is $943. NINE HUNDRED AND FORTY-THREE DOLLARS. THEY CHARGED ME TWICE. Even WORSE, when I called they said I could either apply it toward the loan or get refunded. I asked for a refund. They STILL haven't sent my money back, no email confirmation or nothing. I am FURIOUS! PLUS, I only get paid once monthly on the last day and my due date is the 15th. I've asked to change it, but I need to cover the $943 twice in one month before they'll switch it. I'm DONE! I still owe $79,000 before I can dump them because no other lender will refinance that large of an amount. Thank God my cosigner is there to help me fight this!

really fast approval on the refinance loan. Each step got explained thoroughly and the instructions for uploading required documents were simple and straightforward to follow for the most part.

Hands down the most frustrating company to work with every single month

Checking rates was fast and straightforward - easiest rate comparison form I've ever completed.

Really appreciated the automated system for refinancing my student loan. I was panicking because my payment was increasing. LendKey provided solid options and I managed to get approved.

Refinancing my consolidated student loans from one outstanding company into the ones I was already managing with LendKey was incredibly easy. It cut my monthly payments by more than $200 while still keeping me on schedule to complete repayment at roughly the same time.

Lendkey refuses to release the co-signer even though the borrower qualifies. I attempted to remove my name from 1 loan totaling $7,700 and got denied. My daughter holds her Masters Degree, works for the county and has a credit score in the high 700's. I was approved for a home loan with these student loans under my name on a lower salary than what my daughter earns. Explain how that makes sense.

After years working in loans and real estate, I've never seen a personal loan as outstanding as what LendKey offers. The application process is incredibly simple, I got an amazing 9% APR rate, plus flexible repayment terms... This is hands down the top lender for home improvements! Everyone should use LendKey. Thanks from Jane L.

Refinanced through LendKey and everything went smoothly & quickly. The rate they offered me was way better than my previous one.

LendKey got me lower student loan payments and my relatives have also used them for private loans.

Refinancing loans took forever and was really confusing. Took quite a bit of going back and forth before we actually started the financing.

LENDKEY IS ABSOLUTELY TERRIBLE!!! Get out now and do NOT transfer your student loans there or borrow anything from them. Nobody has any clue what's happening, dealing with them has been a total NIGHTMARE. I consolidated my student loans through them and they never received final payoff from my other lender so just mailed a check for way more than needed. It's been 4 months and I'm still waiting for my refund check on the overpayment. Called MULTIPLE times and seriously every single call someone tells you something completely different even the supervisors. I would never EVER EVER get a loan from lendkey again and tell EVERYONE to stay far away.

Fantastic experience the whole way through

Everything from creating my account initially to finalizing the terms and getting auto-pay configured, LendKey keeps it simple! They took over my old high interest loans and combined them into one way lower interest loan. The whole thing was effortless and completely seamless. Definitely recommend!

Easy seamless experience

Managing my loan through LendKey has been easy and hassle-free. Their website is really user-friendly, I can access my account and monitor my payments without any trouble. Getting automatic payments set up was straightforward and makes sure my payment goes through on time each month. Everything has been smooth, and I really value the convenience LendKey offers. Highly recommend!

Super easy beginning to end!! Really thorough!!

Comparing various lenders and their rates is super simple with this service. The refinancing process is also straightforward if you need it

Got an offer with a lower rate without any hassle - total no brainer to move my student loans over.

Really professional service, zero hassles throughout the whole thing

Working with Lendkey was a breeze, they answered everything we asked and helped us get to where we needed to be.

Application process was simple and they provided excellent assistance!

A friend recommended LendKey saying I'd probably save $50+ monthly. She wasn't wrong, and everything from beginning to end was fast and simple. I'd tell anyone refinancing student loans to check out LendKey.

Avoid Lendkey at all costs. They're dishonest and just grab your money and lock you into the loan permanently. They prey on young students. The Bible says the love of money is the root of all evil and this company embodies that. Absolutely terrible.

My old student loan servicer had crazy high interest rates, and what I owed just kept increasing. After switching to LendKey, I finally felt relief. They got me headed in the right direction and I've already knocked out more than half my debt! Seeing that light at the end of the tunnel makes me incredibly happy. Thanks LendKey!

Fantastic experience!

working with lend key was nice but i really wish the loan showed up in my veridian account so i could check when its due from my phone app rather than finding time to get on the computer to look

Gave me an opportunity to refinance my loans

TERRIBLE. THE INTEREST RATES ARE RIDICULOUS!!!

I've been a LendKey customer for a good amount of time now (total). Over the last five years I've refinanced my private student loan multiple times and chose LendKey twice, including right now. Whenever I've called them to fix something, there's genuinely a "let me help you" vibe that really stands out. The interest rates are also super competitive and they give you a discount for ACH payments, which is a total no-brainer. LendKey has been an excellent connector between what I need for my loan and a credit union that can provide it. My only complaint would be that I really wish they had a mobile app!

The rate I got was solid, consolidating my federal student loans was simple, and tracking my payments and progress is straightforward. The additional percentage reduction for auto-payments is a nice touch, too.

They helped me drop my student loan rates from 18% down to 8%. Really great, quick, and efficient process. Definitely recommend!

LendKey does a terrible job representing the underwriting credibility of major credit unions advertising low private student loan rates online. I've never struggled to qualify for the best advertised rates on any kind of credit loans but somehow I can't get through LendKey's underwriting specialists even with an 800+ credit score and earning over 6 figures annually. Having worked in the lending industry for years, if you've got excellent credit and strong income save yourself the credit inquiry because LendKey won't give you the credit unions' advertised low rates since they control the final loan decision.

Fast, simple, and works. I just had to complete the applications and submit the right documents. They cut my term in half, dropped my APR by 3.5%, and kept my payments exactly the same

Lendkey combined my loans at a better interest rate. Switching over from my old private loan provider was smooth and hassle-free. Really grateful!

Solid company, simple application process. I'd rate them 5 stars except the process takes a bit long.

LendKey turned out to be a perfect fit for me, they made comparing loan rates simple, the application was straightforward, and their email communication throughout the process was excellent.

I refinanced thinking LendKey offered a fixed rate - that's how it seemed initially. Turns out I was completely wrong and the rate keeps climbing every three months. Now I'm paying double digit interest when the whole point was getting lower rates than my old loan. During my first year, I put over $12,000 toward the loan but it only went down by $3,000. When I went back to school recently and tried getting an in school deferment, they only offer forbearance that maxes out at 18 months (which is less time than I'll be in school), and they still expect monthly payments of some kind. With rates constantly going up, I honestly don't see how I'll ever pay this thing off. I switched from Sallie Mae thinking things would improve - big mistake.

Had a payment due and they never notified me. Got a phone call from one of their reps who wouldn't even tell me what they were calling about, just immediately started asking for personal information without any proof of who they were. Really hope this isn't your standard way of doing business. I'd expect a call with an actual explanation, though I'm not counting on it.

My experience with LendKey has been excellent. Whenever I needed clarification and called them, someone picked up fast and the reps were super helpful. I've spent years attempting to refinance my student loans but the rates were always worse than what I was already paying or I'd get rejected because my loan amount was too high. How can anyone reduce their debt when rates are impossibly expensive? LendKey came through for me and now I'm actually making meaningful progress.

Everything was straightforward and simple

Really easy and fast process. Super simple to deal with. Would definitely recommend

I'm glad I could reconsolidate my loans HOWEVER the application had to be completed 4 separate times over the phone before LendKey finally got it correct. the way information transferred between credible and them was terrible. Even after speaking with them directly they still sent in the wrong loan and I had to request a retraction only for them to resubmit the identical loan. what should've taken a month ended up taking nearly 3.

easy to use software

should be free

Easy and efficient company. I got a loan very quickly and easily with LendKey. They are helpful and explained each aspect of the process and answered all my questions thoroughly.

A bit on the pricey side.

This company seems the best fit to my situation.

I wish they had personal loans.

Great and competitive APRs

it might take some time to find out if your application was successful

Amazing for student loans

Nice website for students

Great company and service. Competitive APRs and repayment terms. The process was easy and straightforward. LendKey allowed me to get a lower rate through co-sign options, which was very helpful.

Thank you LendKey!

Excellent option for people looking to refinance their student loans! Recommended!

the facilities are great for everyone

make it cheaper please