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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.

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Already working on an application? Continue here.

If you refinance a federal student loan with Laurel Road, you will no longer qualify for existing or future benefits offered by the federal government to federal student loan holders. Please consult www.studentaid.gov for the most current information about any federal student loan benefits.

Financial Peace of Mind with Laurel Road

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


Easy Online

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.

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NEW! Checking + Student Loan Refi

Switch your checking to save even more.

When you open a Laurel Road Linked CheckingSM account, you can access student loan refi rates as low as 1.37%% variable APR when you set up qualifying direct deposits.2

Plus, get a $300 cash bonus with qualifying direct deposits.3

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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

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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.

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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.

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Financial Resources

From student loans to credit scores, we've got your back.

With our live chat and in-depth financial resources, we can help guide you to the information you need on the road to financial freedom.

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Laurel Road in the News

We're leading the conversation.

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

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  • Laurel Road’s Christina Klenotic Talks to CNBC About How the Pandemic Is Shifting Women’s Approach to Finances

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  • Laurel Road’s Kaitlin Walsh-Epstein Talks to CNBC on How to Get Started Paying Back Your Student Loans

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Employer Partnerships

Support your team

Unique financial benefits for the forward-thinking employer.

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Association Partnerships

Benefits with real value

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

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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) shown are as of September 1, 2022 and subject to increase without notice. Based on applications between July 2019 to June 2021, approximately 11% of applicants qualified for our lowest advertised rate. Lowest rate quoted above assumes excellent credit and low debt, housing, and alimony expenses relative to income. Otherwise, a higher rate will apply. Rate shown above includes a 0.55% discount for having a qualifying direct deposit of at least $7,500 credited to a Laurel Road Checking account for every statement period of the term of the loan, a 0.25% discount for AutoPay, and a loan with a term of 60 months. Variable APRs are subject to increase after consummation.

    The Laurel Road Linked Checking discount is available to borrowers who open a Laurel Road Linked Checking account simultaneously while refinancing their student loans with Laurel Road. You may also be able to utilize a checking account opened simultaneously with a prior Laurel Road student loan refinance to obtain a discount on your new Laurel Road student loan refinance. Borrowers will receive a 0.25% rate discount for their first three monthly billing cycles. Starting with the fourth billing cycle and continuing with each billing cycle thereafter, the rate discount applied to each billing cycle will be based on the amount deposited via qualifying Automated Clearing House (ACH) transactions into the Laurel Road Linked Checking account during the preceding calendar month; 0.25% for deposits between $2,500 and $7,499 per month and 0.55% for deposits $7,500 or greater per month. Qualifying ACH direct deposit transactions include most payroll, Social Security, pension and government benefits deposits. To continue to receive the discount for the fourth billing cycle, you must begin making qualifying ACH deposits to your Laurel Road Linked Checking account during the second month after your loan funds. Note that the discount is only available to the primary checking account owner and is not available to a joint checking account owner. If the primary account owner is no longer an owner on the checking account or the account is closed, the discount on their student loan will cease. Discounts subject to change without notice and cannot be combined with the Laurel Road Linked Savings discount. For more information on the Laurel Road Linked Checking Account visit www.laurelroad.com/refinance-student-loans/linked-checking/#rates-fees-jump.

  3. Effective February 1, 2022, you must open a Laurel Road Linked Checking account simultaneously while refinancing your student loan with Laurel Road by 12/31/22 at 11:59 p.m. (ET) and make one or more qualifying direct deposits via an Automated Clearing House (ACH) transaction into the Laurel Road Linked Checking account totaling at least $2,500 within the first 60 days after account opening to receive the $300, which will be deposited into your account within 60 days of meeting requirements. Click here for current Laurel Road Linked Checking Rates. Normal account service charges and miscellaneous charges may apply to the Laurel Road Linked Checking, which may reduce earnings. Qualifying ACH direct deposit transactions include most payroll, Social Security, pension and government benefits deposits. Limit one bonus per qualifying account and per individual. The value of the bonus will be reported to the IRS on Form 1099-INT. If you close your account within the first 180 days of account opening, you will be charged a $25 account early closure fee. Accounts overdrawn or closed at the time of bonus payment are not eligible. Offer is subject to cancellation without notice and cannot be combined with any other bonus offer. Laurel Road is not responsible for, and will not honor, promotional offers that appear on third-party websites that are not authorized by Laurel Road.

  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 June 6, 2022. Information and rates are subject to change without notice.