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26 lenders · Updated November 11, 2026

Private student loan rates, independently ranked

Private rates starting below 5% for strong profiles. Set your loan amount and see real monthly payments across 26 lenders — before you apply.

The best private student loan rates start around 1.99% APR as of November 2026.

Looking for personal loans?Compare personal loans →
Loan amount$30,000
$1K$100K
Your current APR15.0%
3%36%
Top pick saves you
$3,903
per year vs. your 15.0% rate · $276/mo at 1.99% APR
RankingCheck the ordering, source dates and account terms.

APR is the yearly cost of the loan, including fees.

Showing 26

Undergraduate private loans

Our takeStudent loan starting at 1.99% APR. Confirm in-school deferment and grace period terms before accepting.
1
Earnest
EarnestLowest APR
Private · Undergraduate
NMLS verified
APR
1.99%
$3,903
saved per year vs. your rate
Market avg 10.58%8.59% below avg
$276/mo on $30,000 · 10-yr term
Check rate

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Full review·
Our takeStudent loan starting at 1.99% APR. Confirm in-school deferment and grace period terms before accepting.
2
Ascent
Ascent
Private · Undergraduate
NMLS verified
APR
1.99%
$3,903
saved per year vs. your rate
Market avg 10.58%8.59% below avg
$276/mo on $30,000 · 10-yr term
Check rate

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Full review·
Our takeStudent loan starting at 2.05% APR. Confirm in-school deferment and grace period terms before accepting.
3
College Ave
College Ave
Private · Undergraduate
NMLS verified
APR
2.05%
$3,885
saved per year vs. your rate
Market avg 10.58%8.53% below avg
$277/mo on $30,000 · 10-yr term
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Full review·
Our takeStudent loan starting at 2.08% APR. Confirm in-school deferment and grace period terms before accepting.
4
Sallie Mae Bank
Sallie Mae BankTrusted
Private · Undergraduate
NMLS verified
APR
2.08%
$3,876
saved per year vs. your rate
Market avg 10.58%8.50% below avg
$277/mo on $30,000 · 10-yr term
Check rate

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Full review·
Our takeStudent loan starting at 2.08% APR. Confirm in-school deferment and grace period terms before accepting.
5
Abe
Abe
Private · Undergraduate
NMLS verified
APR
2.08%
$3,876
saved per year vs. your rate
Market avg 10.58%8.50% below avg
$277/mo on $30,000 · 10-yr term
Check rate

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Full review·
Our takeStudent loan starting at 2.87% APR. Confirm in-school deferment and grace period terms before accepting.
6
LendKey
LendKeyTrusted
Private · Undergraduate
NMLS verified
APR
2.87%
$3,639
saved per year vs. your rate
Market avg 10.58%7.71% below avg
$288/mo on $30,000 · 10-yr term
Check rate

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Full review·
Our takeStudent loan starting at 2.99% APR. Confirm in-school deferment and grace period terms before accepting.
7
SoFi
SoFiTrusted
Private · Undergraduate
NMLS verified
APR
2.99%
$3,603
saved per year vs. your rate
Market avg 10.58%7.59% below avg
$290/mo on $30,000 · 10-yr term
Check rate

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Full review·
Our takeStudent loan starting at 2.99% APR. Confirm in-school deferment and grace period terms before accepting.
8
ELFI
ELFITrusted
Private · Undergraduate
NMLS verified
APR
2.99%
$3,603
saved per year vs. your rate
Market avg 10.58%7.59% below avg
$290/mo on $30,000 · 10-yr term
Check rate

You'll leave SwitchWize. Verify terms with the lender.

Full review·
Our takeStudent loan starting at 2.99% APR. Confirm in-school deferment and grace period terms before accepting.
9
RISLA
RISLA
Private · Undergraduate
NMLS verified
APR
2.99%
$3,603
saved per year vs. your rate
Market avg 10.58%7.59% below avg
$290/mo on $30,000 · 10-yr term
Check rate

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Full review·
Our takeStudent loan starting at 3.24% APR. Confirm in-school deferment and grace period terms before accepting.
10
Citizens
CitizensTrusted
Private · Undergraduate
NMLS verified
APR
3.24%
$3,528
saved per year vs. your rate
Market avg 10.58%7.34% below avg
$293/mo on $30,000 · 10-yr term
Check rate

You'll leave SwitchWize. Verify terms with the lender.

Full review·

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Student loan guides

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Best Private Student Loans 2026

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Best Parent Student Loans 2026

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Current spread: 10.58% national average → 4.44% best tracked rate
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