Updated September 28, 2026 · BorrowCue Editorial Team
LendKey vs Moneyveo VN
What sets them apart
| Compare |  LendKey |  Moneyveo VN |
|---|---|---|
| APR | 2.09% to 15.54%Lower | 18.25% |
| Loan amount | from $1,000 | ₫500,000 to ₫30,000,000 |
| Term | 60 to 180 months | 62 to 180 months |
| Credit check | Hard | Soft prequal |
| Funding time | Funds sent directly to the school after certification, generally under 30 days | About 20 minutes on average from application to bank account credit |
| Free early repayment | YesHas it | No |
| Eligibility | Enrolled at least half-time in a degree-granting program at an eligible school; U.S. citizen or permanent resident; at least the age of majority; credit-based so a cosigner may be needed | Vietnamese citizens living and working in Vietnam, aged 20-80, valid ID card, own mobile number and own bank account |
| Loan types | Student, Debt consolidation | Personal, Secured, Student, BNPL |
| Credit needed | Fair | Poor |
| Arrangement fee | 0 USD | Not confirmed |
| Representative example | Not confirmed | Loan 2,000,000 VND at 18.25% APR for 100 days: total interest 100,000 VND, total repayable 2,100,000 VND |
| Origination fee (%) | 0% | Not confirmed |
| Use cases | Home improvement | Not confirmed |
Same on both: Rate type (Fixed), Lender type (Marketplace).
We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings.
Key differences
- LendKey scores higher overall: 9.0 vs 8.5.
- Founded is lower at LendKey: 2009 vs 2020.
- APR is lower at LendKey: 2.09% to 15.54% vs 18.25%.
- Free early repayment: only LendKey.
- Support channels: only LendKey offers Email.
- Support channels: only Moneyveo VN offers Community.
- Loan types: only LendKey offers Debt consolidation.
- Loan types: only Moneyveo VN offers Personal, Secured, BNPL.
Our verdict on each
LendKey
LendKey is a US private student loan marketplace for students and families covering a gap in study costs, and it suits borrowers whose own credit can carry a fixed rate. Offers are priced at 2.09% to 15.54% with terms of 60 to 180 months, and rates stay fixed for the life of the loan.
Moneyveo VN
Moneyveo VN suits Vietnamese borrowers with poor credit who want a fixed rate loan in dong and cash in the bank account the same day. The trade-off is cost: an APR of 18.25% is above the site median, and free early repayment is no, so an early exit carries a charge.
Score breakdown
| Area | LendKey | Moneyveo VN |
|---|---|---|
| Cost | 9.5HigherRates of 2.09% to 15.54% on fixed rate lending, with an origination fee of 0 USD and a percentage charge of 0%. | 8.4 |
| Offer | 9.4 | 9.5Higher |
| Trust | 8.4Higher | 8.1 |
Ranges side by side
| Fact | LendKey | Moneyveo VN |
|---|---|---|
| Term | 60 to 180 months | 62 to 180 months |
Positions in our rankings
| Ranking | LendKey | Moneyveo VN |
|---|---|---|
| Loans for bad credit | 54 of 275 | 74 of 275 |
| Private student loans | 9 of 167 | 12 of 167 |
Every fact side by side
| Fact | LendKey | Moneyveo VN |
|---|---|---|
| Pricing model | Fixed rate | Fixed rate |
| Features | Not confirmed | Same day funding |
| Legal entity | LendKey Technologies, Inc. | CONG TY TNHH MONEYVEO VIETNAM |
| Headquarters | United States | Vietnam |
| Founded | 2009Lower | 2020 |
| Support channels | Phone, Email, Help centre | Phone, Help centre, Community |
Where each stands against the rest
| Fact | LendKey | Moneyveo VN | Median |
|---|---|---|---|
| APR | 2.09% to 15.54%lowest quarter | 18.25%above the median | 8.99 |
| Term | 60 to 180 monthshighest quarter | 62 to 180 monthshighest quarter | 60 |
| Origination fee (%) | 0%below the median | Not confirmed | 0.25% |
Median across 1005 listed lenders.
Pros and cons
LendKey
Pros
- A marketplace model puts partner lenders in competition for a single application.
- Both origination charges are 0 USD and 0%, so nothing is added upfront.
- Early repayment is free, so the balance can be cleared sooner than the term allows.
Cons
- A hard credit search runs at application, and a decline can leave a mark on the file.
- The minimum loan is from $1,000 and the term runs 60 to 180 months, so smaller needs still mean a long repayment stretch.
- Pricing is fixed rate only, so there is no variable-rate option for a cheaper start.
Moneyveo VN
Pros
- Same day funding: same day funding is listed, and the stated timing runs from submitting an application to the money sitting in the account.
- The credit check runs as soft prequal, the gentler option before a full search.
- Fixed rates with terms of 62 to 180 months, so repayments are set at the start.
Cons
- An APR of 18.25% puts it at 243 on APR out of the 350 brands tracked.
- Free early repayment is no, so clearing the balance early carries a charge.
- Narrow eligibility: citizens living and working in Vietnam with a valid ID card and personal phone and bank details.
Who each suits
LendKey
Who it suits
- Students at eligible schools who can support a fixed rate with their own credit or a cosigner's.
- Parents and relatives acting as a cosigner when a student's own file is thin.
- Borrowers folding student debt into one balance, since student and debt consolidation covers consolidation.
Who should look elsewhere
- Not for euro borrowers: Creduma ES sets a floor of from €12,000, a separate currency and market.
- Not for Spanish borrowers: Sofkredit prices at 10.74% to 18.06% and lends outside the US system.
Moneyveo VN
Who it suits
- Citizens living and working in Vietnam with a valid ID card, personal phone number and personal bank account.
- Applicants with poor credit who want a soft prequal check and same day funding.
Who should look elsewhere
- Borrowers chasing a lower rate, since Monzo Flex charges 10% to 23% against Moneyveo VN's 18.25%.
- Anyone after a no interest option, since Cashspace ES lists 0% where Moneyveo VN charges 18.25%.
Current offers
LendKey
Current offer
Discount code
0.25% autopay interest rate reduction on private student loans: 0.25% APR reduction
Enrol in automatic monthly payments from a checking or savings account with the lender; the reduction is removed and the rate raised by 0.25% on cancellation or failed collection
Source, checked September 26, 2026
Country by country
| Country | LendKey | Moneyveo VN |
|---|---|---|
| United States | Yes | No |
| Vietnam | No | Yes |
Questions about each
LendKey
What rate will I pay on a LendKey private student loan?+
Prices depend on your own credit, though published offers run at 2.09% to 15.54%. The rate type is fixed, so once a partner lender takes your application the figure holds across the term of 60 to 180 months rather than resetting as market rates move.
What fees are charged for taking out the loan?+
The origination fee is 0 USD and the percentage origination charge is 0%, so arranging the loan adds little. The cost to plan around is the interest on the balance you keep, which runs across a term of 60 to 180 months.
Moneyveo VN
What APR does Moneyveo VN charge?+
The stated rate is 18.25% APR, fixed for the life of the loan, and it puts Moneyveo VN at 243 on APR out of the 350 brands tracked. Predictable, but not cheap, and it is the number to weigh before anything else.
How much can I borrow, and over what term?+
Loan amounts run VND 500,000 to VND 30,000,000, and terms run 62 to 180 months. Since the rate is fixed, a longer term spreads the same borrowing over more payments, with the interest added to what you owe. What you are offered depends on the lender the marketplace matches to your application.
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