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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
9.3 / 10 - Excellent
#3 in Student Loan Refinance
Our Partner
LendKey
9.2 / 10 - Excellent
#4 in Student Loan Refinance
Our Partner
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Key Facts

  • 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
  • Must have at least a 680 FICO Score and $40K income
  • LendKey has average savings of over $10,000
  • 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 monthly payment up to 40%, average savings $10,000
  • Rates set at 2.67% APR - 7.26% APR
  • 5, 7, 10, and 15 year terms available
  • No obligation to accept. No fees or prepayment penalties
  • The largest unemployment protection period in the market

ConsumersAdvocate.org Ratings

9.3 / 10 - Excellent
10/10
Savings
9/10
Qualifications
10/10
Loan Limits/Terms
8/10
Customer Service
9/10
Additional Fees
8/10
Application Process
9.2 / 10 - Excellent
9/10
Savings
10/10
Qualifications
9/10
Loan Limits/Terms
10/10
Customer Service
10/10
Additional Fees
9/10
Application Process

Customer Reviews

 (3)
7.4 / 10 - Very good
33%
5 stars
33%
4 stars
0%
3 stars
33%
2 stars
0%
1 stars

Final Verdict

Earnest Student Loan Refinance and LendKey Student Loan Refinance are very close in quality and have the same overall rating. That said, Earnest scores better than LendKey across: Savings, and Loan Limits/Terms. Whereas, LendKey scores better on Qualifications, Customer Service, Additional Fees, and Application Process.


Latest Reviews

Esvin S

8/11/2017
Earnest Student Loan Refinance review
(Earnest - College Debt Consolidation) The application process is easy. Although mine took a bit longer than expected so make sure to call them to check on your application status if you suspect it is taking longer than usual (a couple days to a week to respond with approval/denial/requesting more information. Also, definitely use my referral code https://www.earnest.com/invite/esvin to get an easy $200 off when your loan is approved. Here is another link of Earnest's info: https://www.nerdwallet.com/blog/loans/student-loans/earnest-student-loan-refinance-flexibility/ - Thank you in advance -