LendKey Reviews 483

The student loan refinancing task has been a year long process for me. Lendkey was quick; easy; and calling them is a breeze. They answer questions quickly and extremely helpful.

The application process was fast and easy, and I got a much better rate by refinancing one of my student loans. When I did reach out via email, they replied in a prompt matter. Great experience overall!

After 13 years or so trying to refinance my private student loans, I was finally given the opportunity with LendKey! I used credible.com, and helped me through this experience that led me to LendKey! Such a wonderful experience and I’m so thankful and extremely grateful that I can now start to work on the next chapter in life and steps to providing more for my daughter and reach our next goal to move out of our 1 bedroom apartment and into a house! I’m so appreciative, excited, and overjoyed with my experience, more companies should show more compassion like LendKey to help give others’ opportunities instead of knocking each other down with no way of prospering!

Simple, easy, clear process. No tricks where they deny after they have approved. Very helpful and straightforward. Great to not have to use Co-signers. Highly recommend.

Lendkey had a great interest rate for refinancing my student loan. I am paying half of what I used to pay in interest. It was easy to set up an account online. Good company to work with. No problems at all.

Getting my loan approved and disbursed at a good rate has been swift and smooth. The application process was organized and straightforward. I am glad i went with Lendkey. Thanks for the excellent service, it is much appreciated.

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