Is LendKey Student Loan Refinance the right fit for you?

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Last Updated: 03/31/2026

LendKey Student Loan Refinance

in Student Loan Refinancing from LendKey

Last Updated: 03/31/2026

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Strongly recommended29 total votes

22 users recommend

7 users are unsure

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Highlights

Community Rating

Strongly recommended

Fixed APR

4.89% - 9.04%

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Variable APR

5.54% - 9.12%

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Amount Range

$5,000 - $300,000

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Loan Term (Years)

5 - 20

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Number of Reviews

LendKey Student Loan Refinance Review

LendKey Student Loan Refinance is a student loan refinance offering by LendKey . Founded in 2008, LendKey offers student loan refinancing in 46 states and Washington, DC.

LendKey Student Loan Refinance FAQ

What APRs does LendKey Student Loan Refinance offer on its student refinancing loans?

The range of APRs you qualify for when refinancing a student loan vary widely by lender and will depend on your creditworthiness and the type of loan you choose. Loans with fixed rates will typically have higher APRs than loans with a variable rate.

LendKey Student Loan Refinance offers variable rate APRs that range from 5.54% to 9.12%.Borrowers who choose a fixed-rate refinancing loan can expect APRs that range from 4.89% to 9.04% APR.

How much can you borrow via LendKey Student Loan Refinance?

Loan amounts start at $5,000 and go up to $300,000

Does LendKey Student Loan Refinance charge an origination fee?

No, LendKey Student Loan Refinance 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 Student Loan Refinance charge prepayment fees?

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

What terms does LendKey Student Loan Refinance offer?

LendKey Student Loan Refinance provides refinancing loans of 5 to 20 years.

It also offers borrowers unemployment protection. This means that if you lose your job through no fault of your own your loan payments may qualify for a temporary hold.

What type of borrowers will LendKey Student Loan Refinance consider?

LendKey Student Loan Refinance considers loans applications from:

What do you need to qualify for LendKey Student Loan Refinance?

Applicants with a credit score of at least 680 and up to 850 may be eligible for LendKey Student Loan Refinance.

LendKey Student Loan Refinance does not have or does not disclose a minimum annual income eligibility requirement. Note that borrowers can add a cosigner to either meet eligibility requirements or qualify for lower interest rates.

U.S. citizens and permanent resident / green card holders are eligible to apply for the services offered by LendKey Student Loan Refinance.

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

Loan payoff statements
Proof of income
Proof of identity

What is the estimated funding time for a student loan refinance via LendKey Student Loan Refinance?

LendKey Student Loan Refinance will typically fund loans within 1 and 7 days of approval.

LendKey Student Loan Refinance Disclosure: "The APR for variable rate loans may increase after loan consummation. Additionally, the APR displayed may include a 0.25% reduction for enrolling in automatic monthly payments from a personal checking or savings account to pay principal and interest amounts that are due. This rate reduction will be removed and the rate will be increased by 0.25% upon any cancellation or failed collection attempt of the automatic payment and will be suspended during any period of forbearance. As a result, any increase will take the form of higher payments."

SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...

Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

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LendKey offers 2-Minute rate check with no impact on your credit score; 275+ not-for-profit and community lenders to choose from mean higher chances for approval and lower rates.

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Other Services by LendKey

Personal Loans

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SuperMoney Net Recommendation Score

SuperMoney users strongly recommend this product, giving it a user recommendation score of +76, or 4.5 on a 5-point rating scale.

+76

-1000+100

No one recommends

Everyone recommends

The recommendation score reflects customer satisfaction with a provider. A score of +100 means every customer recommends the provider, while -100 means none of them do. These scores are based entirely on community member votes and are not influenced by partner compensation. SuperMoney removes fake reviews when detected.

LendKey Student Loan Refinance Community Reviews

Would you recommend LendKey Student Loan Refinance to your friends?

Mazhar C.

Nov 25, 2022

May or may not recommend

LendKey is great! They are very upfront about their rates and expectations. They don't need to run your credit to provide you with a rate. I'd recommend LendKey for any student out there!

Alexander G.

Nov 16, 2022

May or may not recommend

Student loan Refinance is definitely going to be a financial situation for most people who pursued education. If you have multiple loans I would recommend a student loan refinance to keep you loan with just one servicer and the number make sense to do so (i.e. rate and terms). Just be sure you are not jumping out of a good rate with your current servicer to just to do a ...Show More

Taiwo O.

Nov 16, 2022

May or may not recommend

I will recommend LendKey Student Loan Refinance me and my family have been using it and it's amazing. I am a student and i needed some money to pay my school fees, for that i applied for the loan through Lendkey and got approved within 48 hours. The process was very easy and straightforward. After getting the loan approved, I had to wait for only two days before receiving the ...Show More

Khawaja A.

Oct 7, 2022

May or may not recommend

Easy Peasy to work with them!! Great customer service and provides you with the best rates.

Sachida J.

Jun 15, 2022

May or may not recommend

LendKey Student Loan Refinance is a great way to save money on your student loans. I was able to save over $200 a month by refinancing my loans through LendKey. The process was very simple and easy to understand. I would definitely recommend LendKey to anyone who is looking to refinance their student loans.

Elisa H.

May 21, 2022

May or may not recommend

LendKey is fantastic, they are giving the best services to their customers to ease the burden.

Sophonie S.

Apr 22, 2022

May or may not recommend

LendKey is great! They are very upfront about their rates and expectations. They don't need to run your credit to provide you with a rate. I'd recommend LendKey for any student out there!

Rylie G.

Apr 14, 2022

May or may not recommend

One of the things I like most about LendKey is they told me what to expect before even getting involved. I could see the rate without having a credit check done. They are pretty low on fees and the customer service I received was great. They were happy to help and answer any questions I had.

Amanda N.

Apr 2, 2022

May or may not recommend

Lendkeys website looks super easy and simple to use. So far the process seems simple. However, the only drawback is the High credit score needed to refinance my student loans. I have a lot of student loans and not a high income or credit score.

Marianna P.

Mar 19, 2022

May or may not recommend

I don't know too much about this company, but based on what I've seen, they look like a group that cares about students' needs and someone you can trust to help you.

Charity A.

Feb 24, 2022

May or may not recommend

I have used Lend Key and only ran into one issue by getting my information in. But other than that their service was top notch and I am very thankful for no hidden fees are charges that they dont make you aware of.

El T.

Sep 1, 2021

May or may not recommend

It was amazing how I got a loan... I tried a different service but I could never get a loan from that service.

Brandon K.

Aug 23, 2021

May or may not recommend

LendKey was a great option for me when I decided to go back to college. Money can be an issue with most students at any age, but LendKey is there to help give assistance and take some of the burden away. I don’t think I would’ve been at peace, if I haven’t used LendKey. I highly recommend to all college students!

Kaylee J.

Jul 7, 2021

May or may not recommend

I recommend this business! Being a college kid is tough and they helped me through various issues with student debt! I had awesome luck with them!

Keith H.

Jul 7, 2021

May or may not recommend

When I had to take out loans for school, this was my go-to company and I really felt like they listened to all of my concerns. Would recommend.

Ava B.

Jun 28, 2021

May or may not recommend

Many of my friends who are undergrads highly recommend using Lendkey Student Loan Refinance. They said their customer service was extremely helpful and were willing to assist. The only downfall was there were many qualifications that were required.

Orion B.

Jun 17, 2021

May or may not recommend

LendKey is great for undergrads! It can aid in financial issues of students, which is an immense thing to do. The only drawback is some qualifications being difficult to meet, but in the future, this could easily be improved upon.

Daniel J.

Jun 8, 2021

May or may not recommend

LendKey student loan is just right for undergraduates. Zero origination fees and a good loan term of 5-20 years. I recommend LendKey to undergraduates as my self searching for a good student loan that offers them flexibility in time and cost.

Boris N.

Jun 3, 2021

May or may not recommend

Pretty good program only if you can the interest in the lower range of their typical range 0.5% to 5% . They actually work with you to provide a costumed payment plan.

Youram J.

May 8, 2021

May or may not recommend

There is no doubt when i choose lenders, how much responsive they are towards your inquires and their consumer service. LendKey offers both above and low rates. I am very satisfied with the customer service. Thank you LendKey.

Showing 20 of 29 reviews