Get A Better Loan

Access our network of not-for-profit and community lenders to start saving on your student loans.

Refinance Your Student Loans

Credit unions and community banks have some of the most borrower-friendly loans, and LendKey
is enabling these community financial institutions to bring their loans to you online. By letting you
borrow directly from America's local and not-for-profit lenders, we're building something that's
been sorely missing in online lending: transparent low-interest lending. 

We're bringing community lenders to the online community, and giving you tools to make
smart borrowing decisions. So get started today to lower your interest and monthly payments!

student loan refinancing from local credit unions and community banks


LendKey allows you to borrow directly from credit unions and community banks, letting you find a loan that’s affordable
and accessible.

low interest rates on student loan refinancing


Our community lenders can
save you thousands of dollars over the life of your loan, and lower your monthly payments. We offer some of the lowest rates around.

refinace student loans with our quick application process


Complete an easy online application in minutes, without ever stepping into a branch.
Our customer support team
is available to help you every
step of the way!




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"LendKey is a unique student loan marketplace platform, in that they leverage a marketplace of community lenders, such as local banks and credit unions, to offer student loans. As a result, LendKey typically has some of the lowest student loan refinancing rates available to borrowers looking to refinance."

What Borrowers Are Saying:


I don't feel as pressured


 LendKey gave me the ability to do more with my savings. I was able to get my own apartment and have a more flexible payment plan. The extra money has been a huge help for me.


A sense of security


 I will save around $20,000 in interest by refinancing. My monthly obligation is $300 less than prior to refinancing! By reducing my monthly bill, I was able to pay down my other loans, and save for emergencies.

Northeastern University



Ohio State University

Testimonial about Lendkey student loan refinancing from recent graduate Allison from Ohio State University
Testimonial about LendKey student loan refinancing from recent graduate Matthew from Northeastern University

Cosigner Release2

Not all applicants qualify for the lowest rate. Rates for Wells Fargo, SoFi, and CommonBond
are based on data compiled in April 2015 from company websites.

2.92% APR



Lowest Variable Rate
(15 year term)1




3.49% APR

3.06% APR

3.40% APR

No Fees

Wells Fargo




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1. 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.

2. Most of our lenders don't charge borrowers origination fees. In order to qualify, the borrower, alone, must meet the lender's credit criteria, and the borrower's loan account must be and remain current up until the lender's decision to release the cosigner has been made.

3. IMPORTANT NOTICE REGARDING THE REFINANCING OF YOUR FEDERAL STUDENT LOANS: Please be aware that you may potentially lose certain benefits associated with your federal student loans by refinancing such federal loans with a private student loan consolidation.  These benefits may include favorable repayment options, loan and fixed interest rates, extended loan terms, and loan forgiveness.  We strongly advise that you seek professional advice and examine our benefits and options before refinancing your federal loans.  It is important to us that you are comfortable with potentially forfeiting benefits that may not be offered through our consolidation loan.




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