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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Select 2 student loan refinance companies to compare
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Earnest
9.3 / 10 - Excellent
#4 in Student Loan Refinance
Our Partner
LendKey
9.4 / 10 - Excellent
#3 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.
  • No minimum credit score or minimum income requirements
  • 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 2.52% 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
9.4 / 10 - Excellent
10/10
Savings
10/10
Qualifications
9/10
Loan Limits/Terms
10/10
Customer Service
10/10
Additional Fees
10/10
Application Process
Customer Reviews
 (2)
7.0 / 10 - Very good
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5 stars
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4 stars
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3 stars
50%
2 stars
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1 stars
Final Verdict

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