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LendKey Student Loans vs SoFi Student Loans

LendKey is a good option for customer service. How does it compare to SoFi? Read our comparison chart below.

LendKey connects borrowers with a network of community banks and credit unions to get the best rates. Lendkey's lenders offer both private student loans and refinancing & consolidation services. Many lenders offer the option to make interest-only payments during the first four years. Each lender has its own minimum loan and salary requirement.

While SoFi is one of the largest student loan refinancing providers. It refinances both federal and private loans, as well as Parent PLUS loans. It offers loan terms from 5 to 20 years. One unique benefit is that SoFi offers complimentary career coaching to borrowers out of work. Minimum $5,000 in loans to be eligible.

Compare LendKey with SoFi, side-by-side. Read on for an in-depth look, including ratings, reviews, pros and cons.

 LendKey Student LoansSoFi Student Loans
 Learn MoreLearn More

LendKey Student Loans

SoFi Student Loans

Refinance Student Loans - Learn More

Read LendKey Review

Refinance Student Loans - Learn More

Read SoFi Review


Benefits and Features

Variable APR
2.51% to 7.51% (with AutoPay)
5.74% - 9.99% APR (with AutoPay)
Fixed APR
3.49% to 7.54% (with AutoPay)
4.99% - 9.99% APR (with AutoPay)
Minimum Amount
$5,000 (may be higher depending on state)
Maximum Amount
No maximum
Loan Term
5 to 20 years
5 to 20 years
State ResidencyMost states except: ME, ND, NV, RI, and WV
All states eligible
Degree Requirements
Bachelor's or higher
Associates or higher
Income Requirements
Employment Requirements
Must be employed
Must be employed or have an offer to start within 90 days
Interest Only Payments
Yes for the first 4 years
Origination Fees
Prepayment Penalty
Can Use a Cosigner
Can Release a Cosigner
Auto-Pay Interest Rate Reduction
Soft Credit Check
Unemployment Protection

CreditDonkey® Reviews

 LendKey Student LoansSoFi Student Loans
Customer ServiceStarStarStarStarHalf StarStarStarStarStarHalf Star
Loan TermStarStarStarStarStarStarStarStarStarHalf Star
Ease of UseStarStarStarHalf StarEmpty StarStarStarStarStarStar
Interest RatesStarStarStarStarStarStarStarStarStarHalf Star
Payment FlexibilityStarStarStarHalf StarEmpty StarStarStarStarStarEmpty Star
Pros & ConsPros:
  • Offer interest rate reduction beyond auto-debit reduction
  • Excellent customer service
  • Return policy within 30 days you can return your loan
  • Cumbersome application process
  • Lack of transparency regarding loan documents
  • Keep federal grace period
  • Refinance Parent Plus loans
  • Must have great credit score
Bottom LineGood option for customer service... Read full reviewGood option if you have a great credit score... Read full review
 Learn MoreLearn More

Refinance Student Loans

Refinance Student Loans

 Terms Apply. SoFi Disclaimers

LendKey: Pricing information from published website as of 11/15/2018

SoFi: Pricing information from published website as of 5/9/2023

Which is Better: LendKey or SoFi?

Still need help deciding which student loans is better? Read the in-depth reviews below. You may also be interested in comparing LendKey or Earnest.

In short: SoFi's ease of use is impressive.

Articles on LendKey Student Loans

LendKey Reviews

Saving thousands of dollars on your student loans sounds perfect, and that's just what LendKey promises. Is it the real deal, though?

Articles on SoFi Student Loans


Is student loan refinancing a good idea? Is SoFi legit? Is NOW a good time to refinance? Read on. The answers may surprise you.

Which Do You Think is Best?

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About CreditDonkey
CreditDonkey is a student loan comparison website. We publish data-driven analysis to help you save money & make savvy decisions.

Editorial Note: Any opinions, analyses, reviews or recommendations expressed on this page are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.

†Advertiser Disclosure: Many of the offers that appear on this site are from companies from which CreditDonkey receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). CreditDonkey does not include all companies or all offers that may be available in the marketplace.

*See the card issuer's online application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However, all information is presented without warranty. When you click on the "Apply Now" button you can review the terms and conditions on the card issuer's website.

CreditDonkey does not know your individual circumstances and provides information for general educational purposes only. CreditDonkey is not a substitute for, and should not be used as, professional legal, credit or financial advice. You should consult your own professional advisors for such advice.

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