The best student loan refinancing offers from harder-to-find lenders.

Follow your path to a lower monthly payment or interest rate by checking your offers in 2 minutes

 No impact to your credit score

Smaller Banks, Bigger Savings

Find exclusive offers in the Lend-Grow marketplace

Lend-Grow connects you with small banks and credit unions in your area.

Why Choose Small Banks?

It’s simple – small banks have better rates than the big guys.

Smaller banks don’t have the same overhead costs, and the savings are passed on to you.

Plus, you’ll be supporting your local community and economy.


Competitive Rates

With loan terms of 5, 10, 15, 20 and 25 years

Fixed Rates As Low As:

2.15% APR

Variable Rates As Low As:

1.87% APR

Connect With Local Lenders

Our mission is to help people pay down debt faster.


At Lend-Grow, small banks and credit unions compete for your business to offer you the lowest rates.


When smaller banks compete, you get more options and access to lower rates.

 No impact to your credit score


Lend-Grow is not a bank, but we connect you with banks and credit unions.

Payback rewards are only available in select states, for select applicants. If you’ve reached this page through a direct mail piece, you’re in luck!

You’ll see a variety of offers from small banks and credit unions. These lenders want more customers, and offer competitive rates to get them.

Join Thousands of Happy Customers

“I would recommend your lender to anyone in need of a student loan and I certainly want to thank you and the lender’s customer service rep who provided incredible help and was very generous.” – Samuel

“I had a very pleasant experience in refinancing my loans through your lender. Robert was very thorough and helpful in instructing me throughout the process, even making himself available after hours on several occasions. It’s nice to have all of my loans consolidated into one payment and I am happy with my choice!”

“For several weeks, I made attempts to receive a student loan, but I did not have any prior experience searching for student loans and stumbled on many obstacles. Your associate assisted us with wonderful advice and helped sort our documents to find what we truly needed. Thanks again for all of your help.”

1. Savings for student loan refinance borrowers is not guaranteed and the actual savings will vary based on borrower credit profile, existing loan, and refinanced loan term and type (fixed rated or variable rate). If you work in the Public sector, are in the military, or taking advantage of a federal department of relief program, such as income based repayment or public service forgiveness, you may not want to refinance, as these benefits do not transfer to private refinance/consolidation loans.

2. Payback Rewards is offered by Lend Grow. Payback reward is not a rate discount and not managed by the lender through which you obtained your loan. To be eligible for Payback Rewards, you must apply through Lend-Grow to a lender in Lend-Grow’s marketplace. The loan must be disbursed by the lender. You must complete the Payback Reward enrollment at after your loan is disbursed. Lend-Grow will deposit the Payback reward directly to the loan account you specify at the time of Payback Reward enrollment. The loan account must be open and active, and you must make full payment each month to your loan account as per your loan statement. Lend-Grow may periodically request you to verify your account status and failure to do so by you may result in discontinuation of Payback Rewards.

  • Cash back estimates based on .10% APR payback rewards that are deposited directly into borrower’s account. Cash back estimates assumes $100,000-$200,000 in amount refinanced for receiving payback rewards of $750 – $1,500.

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