Juno Student Loan Refinancing Review
A marketplace that compares partner refinance offers in one soft check and negotiates bonuses for members, paid by the lenders it refers you to.
By Michael Hewitt, Founder & Editor-in-Chief. Rates last checked October 21, 2026.
Our verdict
Juno compares partner refinance lenders in one soft check and negotiates bonuses for members, but it publishes no rate or fee of its own. Its headline rates are partner offers, several tied to a promotion that ends 21 October 2026, and the lenders pay Juno for the referral. Use it to compare, then check each lender's own terms.
Skip it if you want a single lender's published terms rather than a comparison paid for by the lenders.
About Juno Student Loan Refinancing
A marketplace that compares partner refinance offers in one soft check and negotiates bonuses for members, paid by the lenders it refers you to. Juno Student Loan Refinancing is offered by Juno (joinjuno.com). Loans made by partner lenders Earnest, SoFi, LendKey and Brazos. We could not find a published customer rating for it on Trustpilot or the Better Business Bureau, so none is shown.
Best for: Borrowers who want to compare several partner refinance lenders from one check.
Editorial grade: B (composite score 74/100).
Highlights
- Shows offers from up to four partner lenders from one soft credit check
- Partner discounts for Juno members: 0.25% with Earnest, cash back with SoFi and LendKey, and 0.5% of the loan with Brazos for Texas residents
- Eligibility basics: at least $5,000 in student loans, a credit score above 650, and an accredited non-profit school
- Juno says lenders pay it a set fee and that members pay nothing
What we like
- One soft check compares several partner lenders at once
- Free to join, and the partner lender, not you, pays Juno's fee on its own disclosures
- Partner offers are often better than applying with the lender directly, on Juno's own comparison
Where it falls short
- Juno publishes no fee or rate of its own, so every number comes from a partner, and the best rates are promotional
- Several headline rates are in a rate-drop promotion that ends 21 October 2026, and the rating does not use it
- Partner bonuses, cash back and discounts each carry their own terms and conditions
Fees, minimums, and rates
Monthly fee: Free to join. Partner lenders charge no origination fee on refinancing, per each partner's own page. Minimum to open: $5,000 minimum loan. Rates and fees last checked on October 21, 2026.
How we reviewed it
This is a desk review: we have not opened an account with Juno (joinjuno.com). Loans made by partner lenders Earnest, SoFi, LendKey and Brazos. It is built from Juno (joinjuno.com). Loans made by partner lenders Earnest, SoFi, LendKey and Brazos's published rates, fee schedule and terms and from the public complaint record, and compared with the other products in the Student Loan Refinancing shortlist. The rubric is the same for every brand.
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Read our full editorial methodology for how we review products.