LendKey Avis 

LendKey was an excellent choice for me, they provided an ease of comparing loan rates, clear application, and great communication via email through the process.

When I refinanced, I initially accepted with LendKey because I was under the impression it was a fixed rate. Turns out that was not correct and now it has been steadily increasing every three months, I am not in the double digits of interest rates when I only accepted this refinancing because of the lower interest rates than my previous loan. Over the first year with them I paid over $12,000 and my loan only decreased by $3,000. Recently, I returned to school and went to request an in school deferment. The only option they provide is a forbearance which can only take place up to 18 months (shorter than the period I will be in school), and you are still expected to make some kind of monthly contribution to the loan. I feel as if though it will be impossible to pay off this loan ever with the continual increases in rates. I left Sallie Mae for this company because I thought the experience would be better, I was wrong.

I had a bill due, and no notice was given. I got a call from a rep, but they wouldn't even say what it was regarding and just ask for sensitive information with no guarantee who it was.

I sure hope this isn't how you regularly conduct business. I would expect a call and an explanation, but won't hold my breath.

LendKey was great. Any time I called for clarification, my call was answered quickly and the representatives were very helpful. I've been trying to refinance my student loans for years and the rates have either been higher than I already paid or I was declined due to the size of my loans. How are you supposed to lower your debt if the rates are impossibly high? LendKey was amazing and now I can make some real headway.

Super easy, quick process. Very easy to work with. Highly recommend

I am happy to be able to reconsolidate my loans BUT i had to do the application process 4 times over the phone before LendKey was able to get it right. the information transfer between them and credible was awful. Even after talking with them on the phone they still submitted the wrong loan and i had to get it redacted just for them to submit the same loan again. what should have been a month long process took almost 3.

Questions were answered thoroughly and made me feel confident in my decision to refinance my other student loans and saving tons of money in the process. Highly recommend.

If I ever have any questions it is very easy to get in touch with someone and they can always answer my questions. I originally refinanced my loan in 2017 and then again when rates went down in 2020, an overall great experience.

Ease of applying and autopay with interest rate deduction incentive.

December of 2022 I called customer service and asked when I could get the cosignor/myself off the loan. I was informed of 12 consecutive payments. Here we are in January 2024,now they're stating I have to make 24 consecutive payments. They can't a supervisor on the phone fast enough!!
NEVER AGAIN#FACTS

Easy to use website to enable information needed to make the process easier. Notifications what status was on the final document and new information about loan.

The interest rates are great, and their tech was very easy to use.

The process to get my refinance was very easy and straightforward, and i loved that i got immediate notification if i needed to submit additional documentation or there was an update.

It was very easy to refinance my student loan with LendKey, and I got a great rate. The payment interface is very easy to use, and on the rare occasion that I had a question, it was answered quickly and professionally. Overall, a great experience.

Fast, simple, good rate, easy to work with.

Simple application process and very easy to navigate site.

Bait and switch student loan offers. They show a low fixed rate of 4.39 % and my credit was pulled at 809 credit score. Maybe besides my score it’s not perfect (maybe) and I received a slightly higher rate I’d be understanding but I received a 9% interest rate. I asked the supervisor why would I receive such a rate and if there was anything we could check with underwriting to help or explain the situation. The only explanation was it’s proprietary information. Everything about this situation feels like a bait and switch scenario. Lendkey has not intention or giving customers the lowest rates and it’s all a scam. I’d be extremely cautious about going with this company.