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Key Student Loan Refinance (formerly Laurel Road)

Key Student Loan Refinance (formerly Laurel Road) · Student loan refinance · Rates as of Oct 12, 2026
APR (fixed or variable)
4.74% to 9.75%
APR, both

What Key Student Loan Refinance (formerly Laurel Road) publishes: "All rates shown reflect a $100,000 loan amount and include a 0.25% interest rate discount for enrolling in AutoPay. Variable APRs may increase after consummation. The actual APR you may qualify for is subject to your creditworthiness and depends on the loan terms."

Fixed APR with AutoPay discount 4.74% (5-yr) to 9.75% (20-yr); Variable APR with AutoPay discount 5.04% (5-yr) to 10.05% (20-yr). Without the 0.25% AutoPay/EFT discount: fixed 4.99% to 10.00%, variable 5.29% to 10.30%. Per-term fixed (with discount): 5yr 4.74-9.35, 7yr 4.95-9.45, 10yr 5.15-9.55, 15yr 5.30-9.65, 20yr 5.50-9.75. Per-term variable (with discount): 5yr 5.04-9.65, 7yr 5.25-9.75, 10yr 5.45-9.85, 15yr 5.60-9.95, 20yr 5.80-10.05. Variable index: 30-day Average SOFR; 'Variable rates will never exceed 15.00%.' APRs current as of September 04, 2026.

The rate you are offered is set by Key Student Loan Refinance (formerly Laurel Road) after you apply on its site. It depends on your credit history, income, loan amount and term, and may be higher than the lowest rate shown here.

Loan amount and term
Loan amountfrom $5,000
Term60 to 240 months
Rate typeboth
Funding speedas stated: preliminary rate in as few as 5 minutes; 'Your first payment to KeyBank will be due one month from your disbursement date.'
Fees
Origination fee0%
Prepayment penaltyNo
Late feenot to exceed 5% of the late payment or $28, whichever is less (assessed if payment not received within 15 days of due date); $20 returned payment fee
Eligibility
Minimum credit scoreNot disclosed
StatesNot stated
MembershipNot required
Highlights
  • No origination fee
  • Funding: as stated: preliminary rate in as few as 5 minutes; 'Your first payment to KeyBank will be due one month from your disbursement date.'
  • No prepayment penalty
About Key Student Loan Refinance (formerly Laurel Road)
Legal nameKeyBank National Association
TypeBank
Websitehttps://www.key.com/personal/student-loans.html
Source and date
Rates as ofOct 12, 2026
Lender rate pageOpen
Lender disclosuresOpen

Every number on this page is copied from Key Student Loan Refinance (formerly Laurel Road)'s public website on the date above. Banrox does not set, estimate or adjust lender rates.

Estimated payment
at 4.74% APR, the lowest published
$0
/month
Loan amount and term
Apply
Apply on Key Student Loan Refinance (formerly Laurel Road)'s site
See the lender's rate page
Lowest APR, last 2 checks
Estimate only. Principal and interest at the lowest APR the lender publishes, excluding fees. Your actual rate, payment and eligibility are decided by the lender. This is not an offer or a commitment to lend.
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Third-party lenders

Loan offers are provided by third-party lenders. Banrox is a technology company and is not a lender. Banrox does not take loan applications, make credit decisions or fund loans.

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Banrox may receive compensation from some lenders when you click or apply through links on this page. Compensation does not affect the rates shown, which are taken from each lender's public website as of the date displayed.

Rates and estimates

Rates, amounts, terms and fees are shown as published on the lender's website on the date marked above and may change without notice. The payment estimate uses the lowest APR the lender publishes and excludes origination and other fees; the lender's own disclosure governs. Nothing on this page is an offer, a rate quote or a commitment to lend.

Frequently Asked Questions

Frequently Asked Questions

How to read a single lender's offer, what the payment estimate assumes, and who sets your actual rate.

Is this page an offer of credit?

No. It is a lender's published offer, copied from the lender's public website on the date shown, and nothing on it is a quote, a pre-approval or a commitment to lend. Your rate is set by the lender after you apply on its site.

Why does the APR show a range?

Because that is what the lender publishes. Banrox shows the APR block only when the lender publishes one and quotes the lender's own wording; the rate you are offered depends on your credit history, income, amount and term, and may be higher than the lowest rate shown.

How is the monthly payment estimate calculated?

Principal and interest at the lowest APR the lender publishes, over the term you pick, excluding origination and other fees. It is an estimate for comparison only, and the lender's own disclosure governs.

What is the "Lowest APR" history chart?

A record of the lowest APR this lender published each time Banrox checked its page, so you can see whether the rate has been moving. It is a history of published rates, not a prediction of what you will be offered.

Does Banrox get paid if I apply?

Banrox may receive compensation from the lender when you take a product through the site, and that compensation cannot change the order in which offers are shown. Advertiser and Affiliate Disclosure.

Does clicking Apply affect my credit?

Not on Banrox. Apply takes you to the lender's site, where the lender's own application may involve a hard inquiry, and the lender must tell you before it does. Soft pull and hard pull, explained.

Email Us
[email protected]
Call Us
Customer Service: (888) 888-6401
Location
40 N Altadena Dr Ste 105
Pasadena, CA 91107

Before you rely on anything on this page

Banrox does not decide. Banrox Inc. is a technology company. It is not a bank, a lender, a loan broker, or a credit repair organization, and it does not approve, deny, price or underwrite any credit product. Every decision belongs to the bank, lender or issuer, under its own criteria and its own licences.

Nothing here is an offer. Rates, payments, limits and terms shown on this site are published information or arithmetic estimates. They are not quotes, not pre-approvals and not offers of credit. Your actual terms depend on the provider's review of your application. See where these numbers come from.

Equal Credit Opportunity Act. The federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age (provided the applicant has the capacity to enter into a binding contract); because all or part of the applicant's income derives from any public assistance program; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The federal agency that administers compliance with this law concerning Banrox Inc. is the Federal Trade Commission, Equal Credit Opportunity, Washington, DC 20580. More on fair lending.

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Banrox Inc., 40 N Altadena Dr Ste 105, Pasadena, CA 91107. Every legal document is at Legal and Disclosure. To complain to a regulator instead of to us, the addresses are at Complaints and Regulator Contacts. You never have to come to us first.