in Personal Loans from LendKey




in Personal Loans from LendKey

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Community Rating Strongly recommended
Loan Amount $5,000 - $50,000
APR 6.74% - 12.49%
Loan Term (Months) 6 - 180

LendKey Review

LendKey is a personal loan offering by LendKey, a marketplace lender based in New York, NY. Founded in 2008, LendKey offers access to personal loans in 45 states (and Washington, DC).

What rates and terms does LendKey offer?

What personal loan APRs does LendKey offer?

LendKey offers a personal loan product that ranges from 6.74% APR up to 12.49% APR.

Your APR can vary depending on several factors, such as your credit score. Find out what your credit score is and whether there is any false or inaccurate information in your credit history with these credit monitoring tools.

How much can you borrow via LendKey?

Loan amounts start at $5,000 and go up to $50,000.

What can a personal loan from LendKey be used for?

Personal loans from LendKey are typically used for special purchases, home improvement projects or similar purposes.

What is the maximum loan term you can get with LendKey?

LendKey offers personal loans with terms ranging from 6 to 180 months. Having the option of longer terms allows borrowers to take on larger loan amounts while keeping monthly payments more affordable. However, the longer the term of your loan, the more interest you will pay.

LendKey Rates & Terms
Loan Amount $5000 - $50000
Loan Term 6 - 180 months
APR 6.74% - 12.49%

What fees does LendKey charge?

Does LendKey charge an origination fee?

LendKey does not charge a loan origination fee.

A loan origination fee is what some lenders charge for processing, underwriting, and funding a loan. Typically fees range from 0.5% to 5% of the loan amount. Whenever possible, go with lenders that don’t charge origination fees.

Does LendKey charge a late fee?

Yes, LendKey may charge borrowers a late payment fee of up to $15

Does LendKey charge prepayment fees?

No, LendKey does not charge prepayment fees. This means you will not have to pay additional fees if you decide to pay the loan off early.

LendKey Fees
Origination Fee N/A
Prepayment Fee? No
Late Payment Fee $15

What do you need to qualify for a loan with LendKey?

Applicants with a credit score of at least 660 can apply for a loan via LendKey . The minimum age to apply for a loan is 18 or the state minimum, whichever is higher.

To qualify for a LendKey loan, applicants need a minimum annual income of $50,000 or higher. LendKey only considers borrowers who are employed and meet the minimum income requirement.

Active duty servicemembers and their covered dependents are eligible to apply for a loan via LendKey. Their rates fall within the limits of The Military Lending Act.Only U.S. citizens and permanent residents can apply for a loan.

To qualify, applicants may need to provide the following documentation:

  • Driver's license
  • Recent pay stubs
LendKey Eligibility Criteria
Minimum Age 18
Bank Account Required? No
Joint Applications Accepted? Yes
Credit Score 660 - 850

What is the estimated funding time for a personal loan via LendKey?

LendKey will typically provide a credit approval decision in less than an hour and fund the loan within 7 business days.

Does LendKey report loan payments to credit bureaus?

LendKey may report credit data to the following credit reporting agencies:

  • Equifax
  • Experian
  • Transunion
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  • Headquarters
  •   104 West 27th Street, 4th Floor
    New York, NY 10001

Other Services by LendKey


Alaska Alabama Arkansas Arizona California Colorado Connecticut Washington, D.C. Delaware Florida Georgia Hawaii Iowa Idaho Illinois Indiana Kansas Kentucky Louisiana Massachusetts Maryland Maine Michigan Minnesota Missouri Mississippi Montana North Carolina North Dakota Nebraska New Hampshire New Jersey New Mexico Nevada New York Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Virginia Vermont Washington Wisconsin West Virginia Wyoming
  Available in 45 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Washington, DC
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • Wisconsin
  • Wyoming

Feature Breakdown

No Origination Fee  
No Prepayment Fee  
Late Fee Amount $15
Minimum Age 18
Credit Score Range 660 - 850
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Minimum Annual Income $50,000
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
Military Status
  • Active Duty Military
  • Military Dependent
  • Non-Military
  • Veterans
Supported Income Types
  • 1099 Misc. Income
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
Joint Loan Applications Accepted
  • Cosigner
Verification Documents Required
  • Recent Pay Stubs
  • Driver License (or other photo ID)
Loan Amount $5K - $50K
Loan Term (Months) 6 - 180
APR 6.74% - 12.49%

LendKey Community Reviews


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