Lend-Grow student refinancing options for both undergraduate and graduate loans. Applicants must have graduated and are earning an income. They also have a parent loan refinancing options for parents or guardians who borrowed to help pay for their child’s higher education.

All options have loan terms of as little as 5 years to as many as 25, and have APR ranges of as low as 2.15% for fixed interest and as low as 1.80% for variable interest, but the actual terms and APR depend on the lender(s) chosen and credit-worthiness. Refinancing loans can range from a minimum of $25,000 to a maximum of $750,000. Additionally, none of the company’s lending partners charge origination fees.

Consumers can check their real offers on the Lend-Grow platform, without impact to their credit score, by filling out their online form. This form consists of a few basic questions, such as the type of loan you’re interested in and whether you are applying alone or joint with a cosigner, and more specific information, such as your gross annual income and rent and mortgage payments. Once completed, Lend-Grow’s technology matches you with the best deal from one of their lender partners. To accept the offer, you’ll continue to the lender’s application.

There are a few eligibility requirements for using Lend-Grow’s platform, despite it being a marketplace and not an individual lender. Applicants must disclose their income, level of study, and citizenship status, for example. There is no minimum credit score required to use the service, but those with lower credit will naturally have a harder time finding a lender. Additionally, an applicant must have graduated (with at least an associates degree).

Obtaining rates from lenders on Lend-Grow is a short process, provided the applicant has the necessary information when they begin the process. Once an applicant has filled the online application form, they’ll undergo a soft credit check and be matched with lenders. They are then presented with three options: a lower monthly payment, lower APR, or lowest total interest.

Once applicants select an offer, they are directed to the lender of their choice, where they’ll complete their application and submit additional information. The entire process is fast and straightforward; it can be completed in just a couple of minutes.

In addition to the company’s marketplace services, consumers can find other informational resources on the company’s website. These include a number of articles that go in-depth on specific financial topics related to student refinance and an FAQ section.

Lend-Grow has a modest reputation online. It does not have an entry in the BBB, but this is not entirely strange for smaller companies, and even less so for younger companies. On Trustpilot, Lend-Grow doesn’t have any written reviews, although it has a 3.5 rating. Other websites with customer reviews show an overall positive level of satisfaction with the service provided by the company.