Compare Earnest vs. LendKey Student Loan Refinance

What’s the difference between Earnest Student Loan Refinance and LendKey Student Loan Refinance? See how our editors compare the two companies below.
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Earnest
9.8 / 10 - Exellent
#1 in Student Loan Refinance
Our Partner
LendKey
9.4 / 10 - Exellent
#4 in Student Loan Refinance
Our Partner
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Key Facts
  • Our #1 Choice Saves you $21,810 on average for student loan refinancing
  • More rates to choose from = more flexibility
  • Switch from fixed to variable or vice versa to take advantage of low interest rates
  • Unemployment protection
  • Change payment amount and payment date anytime
  • Get a quick rate estimate in 2 minutes
  • A bank with personality. Call, email or text them anytime.
  • No minimum credit score or minimum income requirements
  • LendKey has average savings of over $15,000
  • Higher chance of approval by LendKey's non-profit lender network
  • Check your rate in 2 minutes, with no impact on your credit score
  • Reduce a $200 monthly payment by as much as $80
  • Rates as low as 1.97% adjustable or 3.25% fixed APR
  • 5, 7, 10, 15 and 20 year terms available
  • No obligation to accept. No fees or prepayment penalties
  • The largest unemployment protection period in the market
ConsumersAdvocate.org Ratings
9.8 / 10 - Exellent
10/10
Savings
10/10
Qualifications
10/10
Loan Limits/Terms
9/10
Customer Service
10/10
Additional Fees
9/10
Application Process
9.4 / 10 - Exellent
10/10
Savings
10/10
Qualifications
9/10
Loan Limits/Terms
10/10
Customer Service
10/10
Additional Fees
10/10
Application Process
Final Verdict

Earnest Student Loan Refinance has a higher overall rating than LendKey Student Loan Refinance. Earnest scores better than LendKey across: Savings, Qualifications, and Loan Limits/Terms. However, LendKey scores better on Customer Service, and Application Process. Both companies score similarly on Additional Fees.