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.
Last Updated: April 20, 2018
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Earnest
9.7 / 10 - Excellent
#2 in Student Loan Refinance
LendKey
9.6 / 10 - Excellent
#3 in Student Loan Refinance
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Key Facts

  • Saves you $30,939 on average for student loan refinancing
  • More rates to choose from = more flexibility
  • Earnest has no fees of any kind
  • Unemployment protection
  • Pick your own monthly payment and Earnest matches you with an interest rate and term
  • Get a quick rate estimate in 2 minutes
  • Exceptional customer service for the life of the loan. Call, email or text them anytime
  • Must have at least a 680 FICO Score and $40K income
  • Get pre-approved quotes from credit unions and small banks
  • Rates start at 2.58% APR (variable) and 3.15% APR (fixed)
  • Reduce interest rate by 0.25% by signing up for automatic payments
  • No fees or prepayment penalties
  • BBB-accredited and rated A+

ConsumersAdvocate.org Ratings

9.7 / 10 - Excellent
10/10
Loan Specifics
10/10
Qualifications
10/10
Customer Experience
10/10
Company Reputation
9.6 / 10 - Excellent
10/10
Loan Specifics
10/10
Qualifications
10/10
Customer Experience
10/10
Company Reputation

Customer Reviews

 (5)
4.8 / 10 - Average
20%
5 stars
20%
4 stars
0%
3 stars
20%
2 stars
40%
1 stars
 (1)
10.0 / 10 - Excellent
100%
5 stars
0%
4 stars
0%
3 stars
0%
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: Loan Specifics. Whereas, LendKey scores better on Customer Experience. Both companies score similarly on Qualifications, and Company Reputation.


Customer Comments & Reviews

D
Drew H
Kirkland, Washington
10/2/2017
LendKey Student Loan Refinance review
Great rates! Good website. Easy to understand and navigate. Fast and helpful customer service too.


Esvin S
Sevierville, Tennessee
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 -