Your Guide to the 5 Best Grocery Delivery Services

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Our team at Student Loan Hero works hard to find and recommend products and services that we believe are of high quality. We sometimes earn a sales commission or advertising fee when recommending various products and services to you. Similar to when you are being sold any product or service, be sure to read the fine print to help you understand what you are buying. Be sure to consult with a licensed professional if you have any concerns. Student Loan Hero is not a lender or investment advisor. We are not involved in the loan approval or investment process, nor do we make credit or investment related decisions. The rates and terms listed on our website are estimates and are subject to change at any time.

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Americans keep spending more and more on dining out, and in 2016, spending on food away from home outstripped grocery spending for the first time, according to an analysis from Quartz. In fact, the average millennial spends $2,900 eating out each year — money you could save by cooking at home, instead.

If you learn to cook on a budget and eat at home more, grocery delivery services can be a smart investment. And a grocery delivery service can bring some of the convenience of eating out to cooking and dining at home.

But you’ll need to find the best grocery delivery service for your busy lifestyle, and your budget. We surveyed the costs, pros, and cons of top delivery services to help you quickly find the right fit.

1. Google Express: Free delivery, no membership needed

grocery delivery services

Google Express costs

  • Free delivery when you meet each store’s minimum purchase amount of $25 to $35
  • If your order amount is below the minimum, a $5 fee applies

Google Express pros

Google Express is one of the cheapest grocery delivery services out there. For most buyers, purchase and delivery fees are waived. I also liked that I could shop and compare prices across multiple stores including Target, Walmart, and Costco — all at once.

With a service area that includes 90 percent of zip codes in the U.S., Google Express might be your best bet for grocery delivery in smaller cities or underserved areas.

In her review of Google Express on La Jolla Mom, blogger Katie Dillon said that the service was a time- and money-saver. “I will save money because I tend to impulse buy random things at Costco (and elsewhere) when shopping in person,” she wrote. “I am more risk averse on the computer.”

Dillon noted that the service would let her use her own Costco membership to avoid a 15 percent surcharge. Google Express also beat online ordering; items she ordered from Target showed up faster than if she’d ordered through the store’s site.

Google Express cons

Unfortunately, Google Express doesn’t currently offer perishable foods — you won’t be able to get produce, dairy, eggs, or similar items through this service.

On top of this, Google Express delivery times vary widely. There’s no same-day delivery option. Some stores and items can be delivered next-day, while others might arrive in a week or longer.

Bottom line: Google Express is a low-cost, low-commitment option. You probably can’t use it to replace grocery trips altogether, due to the lack of perishable items. But it still offers a lot of convenience at the can’t-be-beat price of free.

2. Instacart: A comprehensive selection

grocery delivery service

Instacart costs

  • $6 per store on the delivery, for purchases of $35 or more
  • Or free delivery for all orders over $35 with a $149 annual membership
  • One-hour delivery for $8

Instacart pros

One of the fastest food delivery services on this list, Instacart lives up to its name. Same-day delivery is standard, with the option for one-hour delivery for just $2 more. Instacart can deliver any item you want from stores such as Smith’s, Kroger, Whole Foods, Costco, and Petco to your door.

Instacart has some neat features, including a shopping list tool and a coupons section. It also has a relatively wide service area, so chances are good it includes your home address.

Marcey Rader is a busy life and productivity coach based in Raleigh, and Instacart is her go-to for frozen and fresh produce alike. “The shoppers pick even better produce than I do,” she said. “It’s so convenient to carry over the same list from week to week with a few edits here and there.”

Rader acknowledged that the service does add a bit to your bill. “But it saves you that in time, gas and getting those items that you really didn’t want, but got sucked in due to advertising or the display.” She also likes that Instacart will “alert me via the app when they’ve started the shopping and text me when they have to make a substitution.”

Instacart cons

The big thing to watch for with Instacart is the pricing, which can be higher for certain items or stores. You don’t need a Costco membership to order through Instacart, for instance — but you’ll also pay more for items ordered there. A pack of diapers that usually costs me $35.50 at Costco, for example, was priced at $52.50 on Instacart, plus the $6 delivery fee.

There are a couple of other charges to watch for. There’s the “optional” 10 percent service fee that is added by default, for instance. You can lower the amount or skip the fee altogether, but you’ll have to remember to do so manually. This service fee doesn’t go to your deliverer, so there’s still the option (or obligation, as it were) to tip them on top of this fee. The costs here can quickly add up.

Bottom line: When you want to get everything on your list without leaving the house, Instacart will do the trick. While it might not always be the cheapest option, Instacart makes up for that with convenience and fast delivery.

3. AmazonFresh: Perfect for Prime members

best grocery delivery service

AmazonFresh cost

  • You must be an Amazon Prime member to enroll in AmazonFresh, so make sure you’re accounting for that $99 per year
  • $15 a month gets you unlimited free deliveries on purchases of $40 or more
  • For orders under $40, a $10 fee applies
  • AmazonFresh pickups are free with a Prime membership: Place your order and then pick it up at a local Amazon pickup rather than have it delivered to your door

AmazonFresh pros

With same- or next-day delivery (depending on when you order), AmazonFresh can be a fast way to get the items you need.

“Since having a baby last year, my husband and I have been getting a lot of use out of AmazonFresh,” said Stephanie Kibler, founder of personal finance blog Poorer Than You, where she reviewed AmazonFresh. “Being a one-car household, it really helps to be able to get groceries without needing the car, and without having to load an infant into a car seat and then a shopping cart, too!”

You also have the convenience of setting a specific two- to three-hour delivery window, so you can be home to make sure groceries get directly from your door to your fridge. If not, Amazon will package perishable items with appropriate coolants and insulated containers to keep them fresh.

If you have an Amazon Echo connected to your account, you can also ask Alexa to place AmazonFresh orders for you or add items to your cart. Plus, “the ‘Past Purchases’ feature and Dash Wand save us even more time,” Kibler said.

AmazonFresh has a wide variety of items and makes it easy to price compare and shop around. “The time savings alone pays for the monthly fee, but I ran the math and realized that we can actually save a bit of money versus our usual grocery store,” Kibler added. “The ‘Fresh Deals’ and my 5% cashback Amazon credit card save us even more money.”

AmazonFresh cons

Unfortunately, AmazonFresh isn’t available everywhere — although you can visit their site and enter your zip code to see if it services your neighborhood.

The costs of Amazon Fresh, if you include a Prime membership, aren’t the cheapest, either — $280 a year.

Bottom line: For those who value convenience and relatively fast arrival, AmazonFresh can be a smart fit. The $15 per month might seem a little steep, but it could be well worth it if you’re already a Prime member and order as frequently as once a week.

4. Peapod: Shopping list assistance

best grocery delivery service

Peapod costs

  • $10 for orders of $60 to $100 (with a $60 minimum for delivery)
  • $7 for orders $100 or higher
  • $3 for pickup orders
  • May add a fuel surcharge in certain service areas

Peapod pros

If putting together your shopping list is your grocery store stressor, Peapod has some great features that make it a snap.

Peapod saves past purchases list you can easily refer to, and has a tool to build out and save a standard list of staples. It even has a tool, Order Genius, that will suggest items based on what you’ve bought in the past.

Lastly, its item sorting options are the best in the group, making it easy to price compare per-unit or view the most popular items.

Leah Ingram reviewed Peapod on her blog, and pointed out that shoppers can buy both alcohol and meal kits through the service, along with usual groceries. Peapod also has features to help savvy shoppers save more, such as a “buy more, save more” section, coupons, and emails with special coupon codes or other offers.

“In the end I’ve saved money and I’ve saved time,” Ingram wrote in her review. “Plus, I feel like I can do a better job of keeping my grocery spending in check by shopping via a website.”

Peapod cons

The weak point of Peapod’s service might be the timeline of its deliveries. It offers next-day delivery only, and you must be at home to accept your order. Peapod states on its site, “we cannot leave your groceries on your doorstep for safety and freshness concerns.” In fact, if you are not home at that time and miss your order, you could face a re-delivery fee of $15.

Bottom line: Peapod’s shopping list-building tools and item filters are standout features that can save time and simplify purchase planning. Its fees are $3 to $5 higher than other grocery delivery services’ prices listed here, and the $60 and $100 order minimums are steep. However, a friendly and useful interface can still make it worth the cost.

5. Shipt: Customization and control

grocery delivery service

Image credit: Shipt

Shipt costs

  • $99 annual fee, or $14 per month for unlimited delivery of orders over $35
  • $7 delivery fee for orders under $35
  • Possible $7 delivery fee when ordering alcohol (Must be 21 or older and have valid ID to order and receive alcohol delivery)

Shipt pros

If you’re looking for a subscription-based grocery delivery service, Shipt is the least expensive option. Its $99 annual fee beats Instacart’s by $40, and AmazonFresh by $81.

A standout feature is that you can set delivery times within an hour or more of placing your order — without adding on an extra fee. You can use Shipt to shop your usual list at several major grocers, including Kroger, H-E-B, Meijer, and Harris Teeter.

If you want to make sure your order is correct, you can add notes to your order for your shopper. Plus, Shipt allows you to set substitute preferences in case the store doesn’t have a particular item you request. You also have the option to edit your order within the first hour of placing it. And your Shipt shopper will text you while in the store to let you know they’ve started putting your order together, and to check in if they have any questions about your order.

Heather Johnson, founder of the Food Hussy blog, said she has tried many grocery delivery services and Shipt is her favorite. The Shipt shoppers are what won her over: “They’re very thoughtful in their selection of produce, communicative when there’s a substitution to be made and just all around friendly.”

Johnson added that if she wants an item she knows is in the store but not listed in the Shipt app, and she can add a note to her shopper and still get it added to the order.

“Since I started using Shipt, I haven’t been to the store,” Johnson said. “Plus — the shoppers bring the groceries into my kitchen for me. It’s the best.

Shipt cons

Shipt currently only serves certain communities — mainly in the Southeast, Midwest and East Texas — so it won’t be an option for everyone.

Shipt also charges a bit more for products on top of its membership fees: “Our members can expect to pay about $5 more using Shipt than they would on a $35 order purchased in the store themselves,” according to the service’s FAQ section. That equates to a price increase of around 15 percent.

Bottom line: A big concern with grocery delivery services is the quality of your items when someone else picks them out. With the option to change your order after placement, send notes to your shopper, or select substitution preferences, Shipt gives you way more control over the process. These features and the built-in line of communication with your shopper make it easier to ensure your items are up to par.

Other food and grocery delivery services worth checking out

These are just some of the top grocery delivery services out there, and some offer an entirely different approach.

Many grocery stores are jumping on the train with options to order online and pick up in-store. Kroger and Smith’s grocery chains offer online ordering, pick up, and even home delivery at many locations through ClickList, for instance. The online grocery ordering options are also relatively low cost, with ClickList charging $5 per order, or $8 for expedited orders.

If you want truly fresh produce, joining a community-supported agriculture (CSA) co-op can be a great choice. You typically buy a “share” or pay an ongoing subscription fee, and get to pick up a basket of freshly-picked fruits and veggies every week or two. Many CSAs also offer delivery.

Lastly, meal kit delivery services are a trendy way to simplify cooking at home. Popular options such as Blue Apron and HelloFresh deliver all the ingredients you need to make a complete meal, right to your door. You don’t need a shopping list, you’ll waste less food, and you’re sure to expand your palate and pick up some new cooking techniques.

So which is the best grocery delivery service for you? Only you know the right balance between cost versus convenience in your life.

In most cases, getting your groceries through a service a will cost more than going yourself. But if a grocery delivery service can free up more sanity or time, they can be worth every penny.

Money might not buy happiness, but if you use money to save time and limit stress, that’s almost the same thing.

Interested in refinancing student loans?

Here are the top 7 lenders of 2019!
LenderVariable APREligible Degrees 
Check out the testimonials and our in-depth reviews!
1 Important Disclosures for Earnest.

Earnest Disclosures

To qualify, you must be a U.S. citizen or possess a 10-year (non-conditional) Permanent Resident Card, reside in a state Earnest lends in, and satisfy our minimum eligibility criteria. You may find more information on loan eligibility here: https://www.earnest.com/eligibility. Not all applicants will be approved for a loan, and not all applicants will qualify for the lowest rate. Approval and interest rate depend on the review of a complete application.

Earnest fixed rate loan rates range from 3.45% APR (with Auto Pay) to 6.99% APR (with Auto Pay). Variable rate loan rates range from 1.81% APR (with Auto Pay) to 6.49% APR (with Auto Pay). For variable rate loans, although the interest rate will vary after you are approved, the interest rate will never exceed 8.95% for loan terms 10 years or less. For loan terms of 10 years to 15 years, the interest rate will never exceed 9.95%. For loan terms over 15 years, the interest rate will never exceed 11.95% (the maximum rates for these loans). Earnest variable interest rate loans are based on a publicly available index, the one month London Interbank Offered Rate (LIBOR). Your rate will be calculated each month by adding a margin between 1.82% and 5.50% to the one month LIBOR. The rate will not increase more than once per month. Earnest rate ranges are current as of November 6, 2019, and are subject to change based on market conditions and borrower eligibility.

Auto Pay discount: If you make monthly principal and interest payments by an automatic, monthly deduction from a savings or checking account, your rate will be reduced by one quarter of one percent (0.25%) for so long as you continue to make automatic, electronic monthly payments. This benefit is suspended during periods of deferment and forbearance.

The information provided on this page is updated as of 11/06/2019. Earnest reserves the right to change, pause, or terminate product offerings at any time without notice. Earnest loans are originated by Earnest Operations LLC. California Finance Lender License 6054788. NMLS # 1204917. Earnest Operations LLC is located at 302 2nd Street, Suite 401N, San Francisco, CA 94107. Terms and Conditions apply. Visit https://www.earnest.com/terms-of-service, email us at hello@earnest.com, or call 888-601-2801 for more information on our student loan refinance product.

© 2018 Earnest LLC. All rights reserved. Earnest LLC and its subsidiaries, including Earnest Operations LLC, are not sponsored by or agencies of the United States of America.


2 Important Disclosures for SoFi.

SoFi Disclosures

  1. Student loan Refinance: Fixed rates from 3.46% APR to 7.36% APR (with AutoPay). Variable rates from 1.81% APR to 7.36% APR (with AutoPay). Interest rates on variable rate loans are capped at either 8.95% or 9.95% depending on term of loan. See APR examples and terms. Lowest variable rate of 1.81% APR assumes current 1 month LIBOR rate of 1.81% minus 0.15% margin minus 0.25% ACH discount. Not all borrowers receive the lowest rate. If approved for a loan, the fixed or variable interest rate offered will depend on your creditworthiness, and the term of the loan and other factors, and will be within the ranges of rates listed above. For the SoFi variable rate loan, the 1-month LIBOR index will adjust monthly and the loan payment will be re-amortized and may change monthly. APRs for variable rate loans may increase after origination if the LIBOR index increases. See eligibility details. The SoFi 0.25% AutoPay interest rate reduction requires you to agree to make monthly principal and interest payments by an automatic monthly deduction from a savings or checking account. The benefit will discontinue and be lost for periods in which you do not pay by automatic deduction from a savings or checking account. *To check the rates and terms you qualify for, SoFi conducts a soft credit inquiry. Unlike hard credit inquiries, soft credit inquiries (or soft credit pulls) do not impact your credit score. Soft credit inquiries allow SoFi to show you what rates and terms SoFi can offer you up front. After seeing your rates, if you choose a product and continue your application, we will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit inquiry. Hard credit inquiries (or hard credit pulls) are required for SoFi to be able to issue you a loan. In addition to requiring your explicit permission, these credit pulls may impact your credit score. Terms and Conditions Apply. SOFI RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS AND BENEFITS AT ANY TIME WITHOUT NOTICE.

3 Important Disclosures for Laurel Road.

Laurel Road Disclosures

Laurel Road is a brand of KeyBank National Association offering online lending products in all 50 U.S. states, Washington, D.C., and Puerto Rico. Mortgage lending is not offered in Puerto Rico. All loans are provided by KeyBank National Association.
As used throughout these Terms & Conditions, the term “Lender” refers to KeyBank National Association and its affiliates, agents, guaranty insurers, investors, assigns, and successors in interest.

ANNUAL PERCENTAGE RATE (“APR”)
This term represents the actual cost of financing to the borrower over the life of the loan expressed as a yearly rate.

FEE INFORMATION

There are no origination fees or prepayment penalties associated with the loan. Lender may assess a late fee if any part of a payment is not received within 15 days of the payment due date. Any late fee assessed shall not exceed 5% of the late payment or $28, whichever is less. A borrower may be charged $20 for any payment (including a check or an electronic payment) that is returned unpaid due to non-sufficient funds (NSF) or a closed account.

LOAN AMOUNT

For bachelor’s degrees and higher, up to 100% of outstanding private and federal student loans (minimum $5,000) are eligible for refinancing. If you are refinancing greater than $300,000 in student loan debt, Lender may refinance the loans into 2 or more new loans.
For eligible Associates degrees in the healthcare field (see Eligibility & Eligible Loans section below), Lender will refinance up to $50,000 in loans for non-ParentPlus refinance loans. Note, parents who are refinancing loans taken out on behalf of a child who has obtained an associates degrees in an eligible healthcare field are not subject to the $50,000 loan maximum, refer to https://www.laurelroad.com/refinance-student-loans/refinance-parent-plus-loans/ for more information about refinancing ParentPlus loans.

ELIGIBILITY & ELIGIBLE LOANS

Borrower, and Co-signer if applicable, must be a U.S. Citizen or Permanent Resident with a valid I-551 card (which must show a minimum of 10 years between “Resident Since” date and “Card Expires” date or has no expiration date); state that they are of at least borrowing age in the state of residence at the time of application; and meet Lender underwriting criteria (including, for example, employment, debt-to-income, disposable income, and credit history requirements).

Graduates may refinance any unsubsidized or subsidized Federal or private student loan that was used exclusively for qualified higher education expenses (as defined in 26 USC Section 221) at an accredited U.S. undergraduate or graduate school. Any federal loans refinanced with Lender are private loans and do not have the same repayment options that federal loan program offers such as Income Based Repayment or Income Contingent Repayment.

All loans must be in grace or repayment status and cannot be in default. Borrower must have graduated or be enrolled in good standing in the final term preceding graduation from an accredited Title IV U.S. school and must be employed, or have an eligible offer of employment. Parents looking to refinance loans taken out on behalf of a child should refer to https://www.laurelroad.com/refinance-student-loans/refinance-parent-plus-loans/ for applicable terms and conditions.

For Associates Degrees: Only associates degrees earned in one of the following are eligible for refinancing: Cardiovascular Technologist (CVT); Dental Hygiene; Diagnostic Medical Sonography; EMT/Paramedics; Nuclear Technician; Nursing; Occupational Therapy Assistant; Pharmacy Technician; Physical Therapy Assistant; Radiation Therapy; Radiologic/MRI Technologist; Respiratory Therapy; or Surgical Technologist. To refinance an Associates degree, a borrower must also either be currently enrolled and in the final term of an associate degree program at a Title IV eligible school with an offer of employment in the same field in which they will receive an eligible associate degree OR have graduated from a school that is Title IV eligible with an eligible associate and have been employed, for a minimum of 12 months, in the same field of study of the associate degree earned.

INTEREST RATES

The interest rate you are offered will depend on your credit profile, income, and total debt payments as well as your choice of fixed or variable and choice of term. For applicants who are currently medical or dental residents, your rate offer may also vary depending on whether you have secured employment for after residency.

DISBURSEMENT OPTIONS

The repayment of any refinanced student loan will commence (1) immediately after disbursement by us, or (2) after any grace or in-school deferment period, existing prior to refinancing and/or consolidation with us, has expired.

POSTPONING OR REDUCING PAYMENTS

After loan disbursement, if a borrower documents a qualifying economic hardship, we may agree in our discretion to allow for full or partial forbearance of payments for one or more 3-month time periods (not to exceed 12 months in the aggregate during the term of your loan), provided that we receive acceptable documentation (including updating documentation) of the nature and expected duration of the borrower’s economic hardship.

We may agree under certain circumstances to allow a borrower to make $100/month payments for a period of time immediately after loan disbursement if the borrower is employed full-time as an intern, resident, or similar postgraduate trainee at the time of loan disbursement. These payments may not be enough to cover all of the interest that accrues on the loan. Unpaid accrued interest will be added to your loan and monthly payments of principal and interest will begin when the post-graduate training program ends.

We may agree under certain circumstances to allow postponement (deferral) of monthly payments of principal and interest for a period of time immediately following loan disbursement (not to exceed 6 months after the borrower’s graduation with an eligible degree), if the borrower is an eligible student in the borrower’s final term at the time of loan disbursement or graduated less than 6 months before loan disbursement, and has accepted an offer of (or has already begun) full-time employment.

If Lender agrees (in its sole discretion) to postpone or reduce any monthly payment(s) for a period of time, interest on the loan will continue to accrue for each day principal is owed. Although the borrower might not be required to make payments during such a period, the borrower may continue to make payments during such a period. Making payments, or paying some of the interest, will reduce the total amount that will be required to be paid over the life of the loan. Interest not paid during any period when Lender has agreed to postpone or reduce any monthly payment will be added to the principal balance through capitalization (compounding) at the end of such a period, one month before the borrower is required to resume making regular monthly payments.

KEYBANK NATIONAL ASSOCIATION RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS AND BENEFITS AT ANY TIME WITHOUT NOTICE.

This information is current as of November 8, 2019 and is subject to change.


4 Important Disclosures for Splash Financial.

Splash Financial Disclosures

Terms and Conditions apply. Splash reserves the right to modify or discontinue products and benefits at any time without notice. Rates and terms are also subject to change at any time without notice. Offers are subject to credit approval. To qualify, a borrower must be a U.S. citizen or permanent resident in an eligible state and meet applicable underwriting requirements. Not all borrowers receive the lowest rate. Lowest rates are reserved for the highest qualified borrowers.


5 Important Disclosures for CommonBond.

CommonBond Disclosures

Offered terms are subject to change. Loans are offered by CommonBond Lending, LLC (NMLS # 1175900). If you are approved for a loan, the interest rate offered will depend on your credit profile, your application, the loan term selected and will be within the ranges of rates shown. All Annual Percentage Rates (APRs) displayed assume borrowers enroll in auto pay and account for the 0.25% reduction in interest rate. All variable rates are based on a 1-month LIBOR assumption of 1.9299999999999997% effective October 10, 2019.


6 Important Disclosures for LendKey.

LendKey Disclosures

Refinancing via LendKey.com is only available for applicants with qualified private education loans from an eligible institution. Loans that were used for exam preparation classes, including, but not limited to, loans for LSAT, MCAT, GMAT, and GRE preparation, are not eligible for refinancing with a lender via LendKey.com. If you currently have any of these exam preparation loans, you should not include them in an application to refinance your student loans on this website. Applicants must be either U.S. citizens or Permanent Residents in an eligible state to qualify for a loan. Certain membership requirements (including the opening of a share account and any applicable association fees in connection with membership) may apply in the event that an applicant wishes to accept a loan offer from a credit union lender. Lenders participating on LendKey.com reserve the right to modify or discontinue the products, terms, and benefits offered on this website at any time without notice. LendKey Technologies, Inc. is not affiliated with, nor does it  endorse,  any educational institution.

Subject to floor rate and may require the automatic payments be made from a checking or savings account with the lender. The rate reduction will be removed and the rate will be increased by 0.25% upon any cancellation or failed collection attempt of the automatic payment and will be suspended during any period of deferment or forbearance. As a result, during the forbearance or suspension period, and/or if the automatic payment is canceled, any increase will take the form of higher payments. The lowest advertised variable APR is only available for loan terms of  5 years and is reserved for applicants with FICO scores of at least 810.

As of 11/07/2019 student loan refinancing rates range from 1.90% to 8.65% Variable APR with AutoPay and 3.49% to 7.75% Fixed APR with AutoPay.

 


7 Important Disclosures for College Ave.

College Ave Disclosures

College Ave Student Loans products are made available through either Firstrust Bank, member FDIC or M.Y. Safra Bank, FSB, member FDIC. All loans are subject to individual approval and adherence to underwriting guidelines. Program restrictions, other terms, and conditions apply.

1College Ave Refi Education loans are not currently available to residents of Maine.

2All rates shown include autopay discount. The 0.25% auto-pay interest rate reduction applies as long as a valid bank account is designated for required monthly payments. Variable rates may increase after consummation.

3$5,000 is the minimum requirement to refinance. The maximum loan amount is $300,000 for those with medical, dental, pharmacy or veterinary doctorate degrees, and $150,000 for all other undergraduate or graduate degrees.

4This informational repayment example uses typical loan terms for a refi borrower with a Full Principal & Interest Repayment and a 10-year repayment term, has a $40,000 loan and a 5.5% Annual Percentage Rate (“APR”): 120 monthly payments of $434.11 while in the repayment period, for a total amount of payments of $52,092.61. Loans will never have a full principal and interest monthly payment of less than $50. Your actual rates and repayment terms may vary.

Information advertised valid as of 09/23/2019. Variable interest rates may increase after consummation.

1.81% – 6.49%1Undergrad
& Graduate

Visit Earnest

1.81% – 7.36%2Undergrad
& Graduate

Visit SoFi

1.99% – 6.65%3Undergrad
& Graduate

Visit Laurel Road

2.43% – 7.60%4Undergrad
& Graduate

Visit Splash

2.02% – 6.30%5Undergrad
& Graduate

Visit CommonBond

1.90% – 8.65%6Undergrad
& Graduate

Visit Lendkey

2.74% – 6.24%7Undergrad
& Graduate

Visit College Ave

Our team at Student Loan Hero works hard to find and recommend products and services that we believe are of high quality. We sometimes earn a sales commission or advertising fee when recommending various products and services to you. Similar to when you are being sold any product or service, be sure to read the fine print to help you understand what you are buying. Be sure to consult with a licensed professional if you have any concerns. Student Loan Hero is not a lender or investment advisor. We are not involved in the loan approval or investment process, nor do we make credit or investment related decisions. The rates and terms listed on our website are estimates and are subject to change at any time.

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