No. LoanKey is an independent, advertising-supported loan comparison service. We are not a bank, lender, or broker. We do not originate loans, make credit decisions, or charge fees to borrowers. We compare rates and terms from licensed lenders and brokers to help you find the best offer for your situation.

How does LoanKey make money?

LoanKey receives advertising compensation from lenders and financial companies when users click on offers, complete applications, or use certain tools. This compensation may influence which products appear on our site and in what order. However, our editorial reviews and ratings are independent and based on objective criteria including APR, fees, customer service, and borrower satisfaction.

Does comparing loan rates on LoanKey affect my credit score?

No. Using LoanKey to compare loan rates does not impact your credit score. We use soft inquiry tools and pre-qualification systems that do not generate hard credit pulls. Only when you submit a formal loan application directly with a lender will a hard inquiry appear on your credit report.

What credit score do I need to qualify for a personal loan?

Most lenders on LoanKey require a minimum FICO score of 580-640. However, the lowest APR rates (6.99%-8.99%) typically require excellent credit of 720 or higher. Upstart accepts borrowers with limited credit history using AI-based underwriting. Each lender has different requirements — compare offers to see what you qualify for without impacting your credit.

How often are loan rates updated on LoanKey?

Loan rates are updated weekly based on lender disclosures and market data. Our 'Top Personal Loan Lenders' table is verified every Tuesday to ensure borrowers see current APR ranges, fees, and terms. Rates are current as of April 24, 2026 and are subject to change without notice.

Are the rates shown guaranteed?

No. Rates shown are for informational purposes only and are not guaranteed. All rates are based on excellent credit (720+ FICO score) and may vary based on your credit profile, loan amount, term, state of residence, and lender. Always verify current rates directly with lenders before applying. LoanKey is not responsible for rate changes or lender decisions.

Contact LoanKey.org

Have a question about a lender review, spotted an error, or want to get in touch with our editorial team? We’d love to hear from you.

⚠️ LoanKey.org is not a lender and cannot help with loan applications, approvals, or account issues. For loan-specific inquiries, please contact your lender directly.

How to Reach Us

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We typically respond within 1–2 business days. For urgent editorial corrections, email editorial@loankey.org directly.

Frequently Asked Questions

Can LoanKey.org help me get a loan? +

No. LoanKey.org is a comparison and informational website only. We do not originate, process, or approve loans. To apply for a loan, click the “Check Rate” button on any lender review page and you will be directed to the lender’s official website.

I found an error in one of your articles. How do I report it? +

Please email editorial@loankey.org with the URL of the page, a description of the error, and if possible the correct information with a source. We take accuracy very seriously and aim to review all correction requests within one business day.

How do I request removal of my personal data? +

To request deletion or access to your personal data under the CCPA or other applicable laws, please email legal@loankey.org. Include your full name and the email address associated with any interaction with our site. We will respond within 30 days.

How can my lending company be listed on LoanKey.org? +

We review lenders independently based on their public-facing products and disclosures. If you would like to discuss an advertising or affiliate partnership, please contact partnerships@loankey.org. Note that paid placements do not influence our independent editorial ratings.

Are the rates on LoanKey.org accurate and current? +

We update our rate data weekly from official lender disclosures. However, rates change frequently and the rate you personally receive will depend on your credit score, income, and other factors. Always verify the current rate directly on the lender’s website before applying.