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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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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 &
Secure

The trusted technology of a leading national bank.

Award-Winning
Experience

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 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 $500 cash bonus with $2,500 in 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

    Laurel Road has been awarded "Best Lender for Good Credit" in U.S. News & World Report's roundup of…
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  • 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…
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  • 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.…
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  • 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…
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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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Disclaimers

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 Rates (APRs) shown are as of September 23, 2021 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 CheckingSM discount is available to borrowers who open a Laurel Road CheckingSM 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% interest rate discount for their first three monthly billing cycles. Starting with the 4th billing cycle and continuing with each billing cycle thereafter, the interest rate discount applied each billing cycle will be based on the amount deposited via qualifying Automated Clearing House (ACH) transactions into the Laurel Road CheckingSM 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. To continue to receive the discount for the 4th billing cycle, you must begin making qualifying ACH deposits to your Laurel Road 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 Linked SavingsSM discount. Click here for more information on the Laurel Road CheckingSM account and student loan rate discounts.

  3. Effective October 20, 2021, you must open a Laurel Road CheckingSM account simultaneously while refinancing your student loan with Laurel Road by 12/31/2021 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 CheckingSM account totaling at least $2,500 within 60 days after account opening to receive the $500, which will be deposited into your account within 60 days of meeting requirements. Normal account service charges apply to the Laurel Road CheckingSM. Qualifying ACH direct deposit transactions include most payroll, Social Security, pension and government benefits deposits. Limit one gift per qualifying account. Limit one gift per individual. The value of the gift will be reported to the IRS on Form 1099-MISC. If you close your account within 180 days of account opening, you will be charged a $25 account early closure fee. Other miscellaneous charges may apply. Accounts overdrawn or closed at the time of gift payment are not eligible. Offer is subject to cancellation without notice and cannot be combined with any other 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.

KEYBANK NATIONAL ASSOCIATION RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS AND BENEFITS AT ANY TIME WITHOUT NOTICE.
This information is current as of September 23, 2021. Information and rates are subject to change without notice.