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Low Rates & Exceptional Customer Support.

We’re changing how consumers interact with their community financial institutions. Using our unified application process you are able to receive low-interest rate loans directly from credit unions and community banks.

By funding your loan through America’s community lenders, LendKey is building something that’s been sorely missing in online lending: transparent low-interest lending, with exceptional customer service. We offer student loan refinancing, private student loans, auto loans, and home improvement loans.


Why Use LendKey?

Lower Your Payments & Rates Lower Your Payments & Rates
Save thousands, with rates starting at 1.90% APR1.
Join over 35,000 other satisfied student loan refinancing borrowers. Join over 35,000 other satisfied student loan refinancing borrowers.
Join over 35,000 other satisfied borrowers.
Get exceptional support when you refinance your student loans - 97% satisfaction rate! Get exceptional support when you refinance your student loans - 97% satisfaction rate!
Get exceptional support - 97% satisfaction rate!

What Do Our Borrowers Think?

Kate from Widener University refinanced her loans
Kate Widener University
Monthly Savings: $260
"The interest rate was lowest out of all the quotes received. I felt comfortable and confident coming from a credit union background personally. I also noted how kind the customer service rep's were, and when I called, I got a person and not a machine."
student loan refinancing
Lower Your Monthly
Payments & Rates

LendKey offers financial strategies that can help ease the burden of repaying your student loans. One of the most effective methods is to refinance and consolidate your existing student loans into one loan that’s more affordable and manageable, with a low rate and a low monthly payment.
Lyndsey refinanced her student loans with lendkey
Lyndsey Arizona State University
Monthly Savings: $327
"The interest rates were better than any other refinancing loan I looked into. The process of applying for the loan was simple. Plus the customer service team were understanding with the time it took to get the required information and were able to explain things in a way I could understand."
Tyler from Utah Valley University refinanced his student loans through LendKey's network of community lenders
Tyler Harvard University
Monthly Savings: $250
"I liked the repayment program that was offered. Lower payments in the beginning and as I moved along in my career and earned more, I could pay more."
Abigail from Western Michigan refinanced her federal and private student loans
Abigail Western Michigan University
Monthly Savings: $180
"I had outstanding loans from Sallie Mae with an extremely high interest rate. It would have taken me over 30 years to pay my college debt. You guys were the only program that allowed me to consolidate my private student loans for one easy payment. They are much easier and nicer to work with then Sallie Mae."
Greg refinanced his student loans on lendkey
Gregory Rutgers University
Monthly Savings: $420
"The customer service was fantastic and the network of credit unions was incredible. At the time when I was looking to consolidate my loans, I could not find many other opportunities like the one presented by you guys."

A Unified Application Process

  • Step 1
  • Step 2
  • Step 3
  • Step 4


Step Estimate: 5 Minutes

The entire application process takes place on LendKey's platform. Start by using our calculator to see how much you could save. Then, select your state to see loan options.


Compare the rates and offers that are available to you from the lenders and choose the plan that’s best for you.


Once you select which lender you want to use, you’ll start the application process. Because the entire application process uses LendKey’s technology, your personal information is safe!


Verify your identity and income (it’s fine to submit screen shots, smartphone photos, and scans.) We’ll review your documents, credit information, and let you know once your loan has been approved!


Get A Better Loan From Community Lenders

Our student loan refinancing options allow graduates to consolidate and refinance their existing student debt, while our private student loans allow undergraduate and graduate students to fund their education. Select a loan below to get started.

Student Loan Refinancing Private Student Loan

LendKey in the Press


Lowest rate shown includes the Autopay discount and is subject to floor rate. The 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 deferment or forbearance. As a result, during the forbearance or suspension period, and/or if the automatic payment is canceled, any increase will take the form of higher payments.