LendKey Avis 

Lendkey gave me the best rate on my loan consolidation and even let me refinance again to get a lower rate. The process is simple and straightforward unlike other companies that advertise great rates and then offer something much higher after you go through the application process

I applied for forbearance of my student loan due to medical bills arising from a NICU stay. I provided all documentation and budget as requested. They took nearly a month to respond. They asked for a paystub from me, which I don’t have due to being a stay at home mom. I told them that via email, twice, and also through a phone call asking to verify if they needed documentation of my stay at home status. They ignored my emails and the service agent seemed just as confused as I was, and not helpful in the situation. I provided my husbands stubs to document what income I was living off of. They then denied my application saying it was incomplete.

Would not have been a problem if they would have been in touch with me BEFOREHAND to simply answer my questions and let me know what they needed. They ignored my email. When I again wrote an email to complain, they ignored it as well.

I am now back to square one to submit a forbearance request and wait an entire month for it to process.

Funny that their reply is to contact them, as if I haven’t already tried that multiple times. Lol. Thanks I’m not in the mood to talk to a disinterested employee or write another email to nowhere. Did a robot write that? I think the customer service at this place is run by an AI.

The number of installments was significantly reduced, without increasing the monthly payment amount.

I applied to refinance private student loans and was offered a good rate at 4.49% with conditional approval based on my income. I submitted W2s, payslips, and offer letter that captured 8,000 more than the threshold required for the loan. I also had my Dad as cosigner.

They rejected me because they did not include my On-call stipend of 8,000. But notwithstanding that, my base+location differential in my offer letter is exactly the threshold but for some reason the rate on my pay stubs net a mere $78 deficit for the year. 6 figure income and they were going g to deny me over an apparent $78 shortage while overlooking the $8,000 on-call revenue which is guaranteed.

I thought, no problem, I will send you pay stubs from my part-time job at Target which will clearly bridge the $78 made up deficit. They denied that as well.

In hindsight, what I've realized is LendKey is not a legitimate lender like ELFI or RISLA. This was a classic BAIT AND SWITCH designed to lure you in and stick you with less favorable terms. If this is how they handle the approval process, I wonder what nefarious practices lie in store for those that get approved. MY ADVICE IS TO STEER CLEAR OF LENDKEY.

FOLLOWING RECEIPT OF THIS REVIEW, LENDKEY PROMPTLY REACHED OUT TO UNDERSTAND WHAT HAPPENED AND REVEIWED THE EXISTING DOCUMENTATION AND WAS ABLE TO OFFER THE ORIGINAL TERMS WHICH WERE MORE FAVORABLE THAT ANY WE HAD SEEN OUT THERE. WE APPRECIATE LENDKEY'S RESPONSIVENESS AND WILLINGNESS TO MAKE THIS RIGHT.

LendKey is user friendly, prompt, and really helpful anytime I’ve called in with a question or needed to find something on the website. I chose to refinance my student loan with them a second time after a really positive first refinance/consolidation experience. Thanks!

Easy process online. Took a nit of time to disburse but overall process was pretty easy.

Quick,seamless and no unnecessary bring this, bring that documents

The process was quick. Rates were lower than other lenders. People were knowledgeable over the phone.

Best place I have seen for a student loan refinance in terms of rate and it’s not even close

Easy to use. Communicated well. Connected me with exactly what I was hoping for

I love the low interest rate and how clear everything is. Lendkey was my hope when I was up against insane student loan interest rates. Not only did I get a manageable rate but also one payment a month that I could actually afford.

Good customer service

I have had a great experience when working with LendKey's customer service. However, I do find it difficult to locate your upcoming payments, the amounts, etc., making it challenging to budget without then also making a phone call to

Very easy and quick. Offer was great and I accepted, all done online. A++

I refinanced my student loans with LendKey and I could not be happier. I was able to get a fixed lower interest rate, consolidate my private and federal student loans, and did it all from my phone. The best part is I was able to knock 5 years off my previous payment plan with the help of LendKey

The experience I had refinancing my student loans was quick, easy, and has saved us so much money from overpaying on inflated interest rates from being a kid going to college and not knowing any better.

I have never had a loan where when I make payments, my balance is more than what I borrowed. I have never been late on any payments and started my payments on time.....this is the worst place to get money. Please go somewhere else!!!

They gave me a really low interest rate on my big private loan. Their website is easy to use, and my experience with LendKey has been nothing but positive!

The loan application was easy to complete online. The process was a breeze afterwards and my loan was completed in just a few days. Would definitely recommend.

The application process was straightforward.