+ LR-Icons

Laurel Road members, enroll in your new login experience today!
To return to a mortgage application, please click here.

Online Banking and Lending

You could save thousands on student loans.1

With low APRs2 and new banking solutions, discover new ways to tackle student loan debt with Laurel Road. Check your student loan rate now, or scroll down to learn more.

Financial Peace of Mind with Laurel Road

Online banking and lending to help you build a solid financial future.

Easy Online Solutions

Digital banking designed to help you save time and money.

Smart &

The trusted technology of a leading national bank.


Our customers love us—we've funded over $9 Billion in loans.

Managing your student loan debt just got 3X easier:

Student Loan Refinancing

Find out how simple refinancing can be.

Because we offer a fast, easy online process with zero added costs or fees, refinancing your student loans has never been easier—and may save you thousands.1

See important information about your federal loans here.

Learn More

NEW! Laurel Road Linked Savings℠

Plan for your future and you could save more.

When you open a Laurel Road Linked SavingsSM account during your student loan refinancing, you can access variable APRs as low as 1.64%3 — with the potential to save even more as you increase your savings balance.

Learn More

NEW! Laurel Road Student Loan Cashback℠ Card

Redeem 2% cashback towards any eligible student loan.4

Now every dollar you spend can help you pay down your student loans when you redeem 2% cashback towards your loans with 95% of U.S. loan servicers.5

Learn More

What Our Customers Think

Laurel Road gave me the best interest rate to make my crazy student loans more manageable!

Joyce F.

American Osteopathic Association

It was a huge relief to finally get my loans under control. My already low interest rate became even lower…customer service was available at every step of the way…I certainly recommend Laurel Road.

Joan G

Student Loan Refinancer

Top notch. It is super easy to use and the customer service is the best of any refinance company I looked at. Nothing but satisfied.

Brent L.

Student Loan Refinancer

Mortgage Lending

Buy or refinance your home with confidence.

Buying a home can be hard work – financing it doesn't have to be. Our secure, trusted home loans, powered by a simplified online process get you to closing fast.

Learn More

Personal Loans

Invest in your dreams with flexible terms.

Laurel Road offers personal loans with low fixed rates and flexible terms to help you reach your next financial milestone – or fund the unexpected.

Learn More

Financial Wellness

From application through funding, we've got your back.

With our expert chat and loan resources, you can lean on us to help steer you towards financial freedom.

Explore All Resources

Laurel Road in the News

We're leading the conversation.

Read More
  • Laurel Road Awarded In U.S. News & World Report’s Roundup of the Best Private Student Loans of 2021

    Laurel Road has been awarded "Best Lender for Good Credit" in U.S. News & World Report's roundup of…
    Read More
  • Alyssa Schaefer, Chief Experience Officer at Laurel Road, Shares How Women Can Make a Difference in Closing the Pay Gap

    It's 2021 and women STILL make 82 cents for every dollar earned by a man. Alyssa Schaefer, chief…
    Read More
  • Laurel Road’s Christina Klenotic Talks to CNBC About How the Pandemic Is Shifting Women’s Approach to Finances

    After the last year, women are more eager to learn about their personal finances, especially women of color.…
    Read More
  • Laurel Road’s Kaitlin Walsh-Epstein Talks to CNBC on How to Get Started Paying Back Your Student Loans

    For recent college grads just now facing their first bill, here’s what you need to know. Laurel Road's…
    Read More

Employer Partnerships

Support your team

Unique financial benefits for the forward-thinking employer.

Learn More

Association Partnerships

Benefits with real value

Easily incorporate Laurel Road's student loan benefits into your association's offerings.

Learn More


All credit products are subject to credit approval

If you are refinancing any federal student loans with Laurel Road, you will no longer be able to take advantage of any federal benefits, including but not limited to: COVID-19 payment relief, Income Based Repayment (IBR), Pay As You Earn (PAYE), or Revised Pay As You Earn (REPAYE), and Public Service Loan Forgiveness (PSLF). For more information about the benefits of these federal programs and other federal student loan programs, please visit https://studentaid.gov.

  1. Savings vary based on rate and term of your existing and refinanced loan(s). Refinancing to a longer term may lower your monthly payments, but may also increase the total interest paid over the life of the loan. Refinancing to a shorter term may increase your monthly payments, but may lower the total interest paid over the life of the loan. Review your loan documentation for total cost of your refinanced loan.

  2. Annual Percentage Rate (“APR”): This term represents the actual cost of financing to the borrower over the life of the loan expressed as a yearly rate.

  3. Annual Percentage Rate (APR) shown with a 0.25% discount for maintaining a Laurel Road Linked SavingsSM account with a balance of between $5,000 - $9,999 and a 0.25% discount for AutoPay. Variable APRs are subject to increase after consummation. The Laurel Road Linked SavingsSM discount is available to borrowers who open a Laurel Road Linked SavingsSM account at the same time as when they refinance their student loans with Laurel Road. The amount of the discount is based on the borrower’s Laurel Road Linked SavingsSM account balance and may change monthly ranging from 0.15% for balances between $1,000 and $4,999 and 0.55% for balances of $20,000 or greater. To be eligible for a discount, borrowers must maintain a minimum Laurel Road Linked SavingsSM account balance of $1000. For terms and conditions see laurelroad.com/linkedsavings. A borrower's actual eligibility and rate will be based on their credit profile and other factors.

  4. You will earn 2.0% in Cashback Rewards for each $1 spent on eligible Purchases if you redeem your Cashback Rewards towards your Student Loan with an eligible servicer. This equates to $0.02 in Cashback Rewards, for each $1 spent. For example, if you spend $100, you will earn $2.00 in Student Loan Credit. You will earn 1.0% in Cashback Rewards for each $1 spent on eligible Purchases if redeemed for a statement credit. This equates to $0.01 in Cashback Rewards, for each $1 spent. For example, if you spend $100, you will earn $1.00 in Cashback Rewards.

    Cashback is awarded based on eligible credit card purchases excluding transactions such as cash advances of any type, balance transfers, convenience check transactions, overdraft protection transfers and quasi-cash transactions. See Terms & Conditions, which are subject to change.

    The creditor and issuer of this credit card is KeyBank N.A., pursuant to a license from Mastercard International Incorporated. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.

  5. For more information on eligible servicers please visit our FAQ.

This information is current as of March 30, 2021. Information and rates are subject to change without notice.