LendKey Student Loans & Refinance Review and Details

Those looking to lower their payments or update the terms of their student loans can take advantage of a LendKey student loan refinance. 

LendKey offers student loan refinances with no closing fees, a grace period after graduation, no hard credit pull when checking rates and great customer service.  

All of these are ways that LendKey helps borrowers refinance their student loans. They also are the reasons Rate has chosen to partner with LendKey.  

Start your LendKey student loan refinance today with an online application. 

Where are LendKey’s current student loan refinance rates?

Current rates for LendKey’s student loan refinance start at 4.18%*. The exact rate you get on your student loan refinance with LendKey will depend on your loan and financial information. 

Your loan length, amount and type can determine your exact rate. Variable-rate refinances start as low as 4.18%*, while fixed-rate refinances start as low as 4.39%*. Some of the financial information that determines your exact rate is credit score, credit history, employment status and income. 

If you do not meet the financial requirements for a lower rate on your refinance, consider a cosigner who can help you secure a lower rate.  

What are the important requirements for a LendKey student loan refinance?

When looking to refinance your student loan, there are some important requirements you will need to meet. 

Here are some requirements for a LendKey student loan refinance: 

• Minimum GPA of 2.0
• Meet the school’s Satisfactory Academic Progress (SAP) guidelines
• Must be a U.S. citizen
• Used for an associate’s degree or higher
• Enrolled at least half the time in a degree program
• FICO credit score minimum of at least 660
• Borrower or cosigner has an annual income of at least $24,000 
• Minimum loan amount of $1,000

Does LendKey require additional fees for student loan refinancing?

No, LendKey does not have any fee when closing on a student loan refinance.  

Some lenders may have fees that come with refinancing student loans, and borrowers might not know about them until it is too late. These fees can cover origination, application and late payments. It is smart to research and know whether the lender you are looking at has fees. 

Those looking to refinance with LendKey do not have to worry about fees when closing on their loans. 

Which repayment options does LendKey offer?

LendKey offers repayment options for borrowers with different needs or wants.  

When refinancing with LendKey, you have the option to repay your loan over five, seven, 10, 15 or 20 years. You can choose from a fixed rate for stable consistent payments or a variable rate for a lower initial rate on your student loan refinance. 

LendKey also offers borrowers a two-year grace period after graduation, during which they will only have to pay interest on their loans. 

How can I start my student loan refinance today?

You can start your student loan refinance today with LendKey by filling out an online application.  

Before you start your online application, it is smart to check current rates and your financial situation. To get the most out of your refinance, make sure rates are lower than the one you have and your financial situation has improved since your original loan. However, if your situation improves after you refinance your student loan, you can always refinance again. 

Ready to refinance your student loan with LendKey? Begin your online application today! 

_{*Fixed rates range from 4.40% APR to 9.80% APR. With a 0.25% autopay discount established at loan origination with an automated monthly debit from a qualifying deposit account for repayment, fixed rates range from 4.15% to 9.55% APR. Rate ranges are current as of 3/25/26 and are subject to change at any time without notice. Rates depend on a variety of factors. Lowest rates reserved for the most creditworthy borrowers. Autopay is not required to obtain a loan. The APR advertised is offered by third-party lending institutions and not Rate. Rate is not a student refinance lender, and does not participate in credit decisions. Final rates may differ based on your credit profile and other factors. Consult a qualified adviser before refinancing.} 

_{Savings, if any, vary based on the consumer’s credit profile, interest rate availability, and other factors. Contact the student loan lender you choose to get their current rates. Restrictions apply.} 

_{Applicant subject to credit and underwriting approval. Not all applicants will be approved for financing. Receipt of application does not represent an approval for financing or interest rate guarantee. Refinancing your mortgage may increase costs over the term of your loan. Restrictions may apply.} 

_{All information provided in this publication is for informational and educational purposes only, and in no way is any of the content contained herein to be construed as financial, investment, or legal advice or instruction. Rate does not guarantee the quality, accuracy, completeness or timelines of the information in this publication. While efforts are made to verify the information provided, the information should not be assumed to be error-free. Some information in the publication may have been provided by third parties and has not necessarily been verified by Rate. Rate its affiliates and subsidiaries do not assume any liability for the information contained herein, be it direct, indirect, consequential, special, or exemplary, or other damages whatsoever and howsoever caused, arising out of or in connection with the use of this publication or in reliance on the information, including any personal or pecuniary loss, whether the action is in contract, tort (including negligence) or other tortious action.} 

_{This student loan refinance marketplace is presented by Rate for marketing purposes only. When you click the button to “Continue” you are leaving Rate and entering the marketplace. The marketplace is operated by FitBux, Inc., which facilitates connections to third-party Platform Partners (such as LendKey and Splash Financial) and their lending institutions, and may receive compensation when you complete a loan transaction. Rate and Fitbux are affiliated companies under common ownership. Clicking the “Continue” button you will be sharing your information with third party Platform Partners LendKey and Splash Financial, and agree to be subject to the terms of use and privacy policies posted by these third parties. Rate is not a lender, does not participate in credit decisions, and does not receive compensation in connection with any loan transaction. Prequalified rates are informational only, do not constitute offers of credit, and are subject to change. Final rates may differ based on your credit profile and other factors. Lowest rates require highly creditworthy applicants and may require a cosigner. All credit decisions are made solely by lending institutions in their discretion. This platform does not represent all available loan options. Product availability varies by state. Not financial advice — consult a qualified advisor before refinancing.}