LendKey Student Loan Refinance
in Student Loan Refinancing from LendKey
Claimed Apply Now Get Personalized Rates

LendKey Student Loan Refinance

in Student Loan Refinancing from LendKey
SuperMoney Net Recommendation Score +76  


This product is strongly recommended by SuperMoney users with a score of +76, equating to 4.5 on a 5 point rating scale.


Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

Strongly recommended

22 users recommend
7 users are unsure
0 users don't recommend
Cast your vote

Would you recommend LendKey Student Loan Refinance to your friends?

Thanks for your vote!

You voted: May or may not recommend

Community Rating Strongly recommended
Loan Amount $5,000 - $300,000
Loan Term (Years) 5 - 20 years
Fixed APR 3.99% - 10.68%
Variable APR 3.27% - 6.87%
Number of Reviews 29

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 3.27% to 6.87%.
Borrowers who choose a fixed-rate refinancing loan can expect APRs that range from 3.99% to 10.68% 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:

  • undergraduate students
  • graduate students
  • parents of students
  • undergraduate degree holders
  • graduate degree holders
  • parents of graduates

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.

To qualify for student loan refinancing with LendKey Student Loan Refinance, applicants need a minimum annual income of $24,000 or higher. LendKey Student Loan Refinance only considers borrowers who are employed and meet the minimum income requirement. Note that borrowers can add a cosigner to either meet eligibility requirements or qualify for lower interest rates.

The Military Lending Act (32 C.F.R. § 232) prohibits lenders from charging service members more than 36% APR on credit extended to covered borrowers. Active duty service members and their covered dependents are eligible to apply for a loan via LendKey Student Loan Refinance. Their rates fall within the limits of The Military Lending Act.

U.S. citizens are, of course, eligible for the services offered by LendKey Student Loan Refinance. Permanent resident / green card holders are also eligible to apply.

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

  • Proof of graduation
  • 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 provide a credit approval decision in less than an hour and fund the loan within 1 to 7 days.

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: 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.

Message From LendKey

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.


Other Services by LendKey


  Available in 46 states and Washington, D.C.
  • Alaska
  • Alabama
  • Arkansas
  • Arizona
  • California
  • Colorado
  • Connecticut
  • Washington, DC
  • Delaware
  • Florida
  • Georgia
  • Hawaii
  • Iowa
  • Idaho
  • Illinois
  • Indiana
  • Kansas
  • Kentucky
  • Louisiana
  • Massachusetts
  • Maryland
  • Maine
  • Michigan
  • Minnesota
  • Missouri
  • Mississippi
  • Montana
  • North Dakota
  • New Hampshire
  • New Jersey
  • New Mexico
  • Nevada
  • New York
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Virginia
  • Vermont
  • Washington
  • Wisconsin
  • Wyoming

Feature Breakdown

No Interest Grace Period for Late Payment 6 days
No Origination Fee
No Prepayment Fee
Origination Fee (%) 0%
Cosigner Optional
Credit Score Range 680 - 850
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Joint Loan Applications Accepted
  • Cosigner
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Minimum Annual Income $24,000
Verification Documents Required
  • Proof of Income
  • Proof of Graduation
  • Loan Payoff Statements
  • Proof of Identity
Funding Time Range 1 - 7 days
Payment Options
  • Automatic Payments
  • Check by mail
  • Credit/Debit Card
Unemployment Protection
Fixed APR 3.99% - 10.68%
Loan Amount $5,000 - $300,000
Variable APR 3.27% - 6.87%
Loan Term 5 - 20 years

LendKey Student Loan Refinance Community Reviews


Would you recommend LendKey Student Loan Refinance to your friends?

Before we publish your vote:

Please explain your vote by sharing your experience.

Writing a review increases the credibility of your vote and helps your fellow users make a better-informed decision.

Please write a review to submit your vote
(will require moderator approval)


This product is strongly recommended by SuperMoney users with a score of +76, equating to 4.5 on a 5 point rating scale.


Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

sorted by

Other Student Loan Refinancing