Laurel Road


We understand that the road to financial freedom isn’t an easy one to travel, and we believe that determined and driven individuals should be rewarded with financial products that help them stay focused on the road ahead.

We provide carefully crafted loans with low rates, personalized service, and streamlined processes enabled by proprietary technology, to make the journey to financial independence just a bit easier.

Laurel Road can help you leave debt behind, so you can stay focused on the road ahead and enjoy where the journey takes you. Laurel Road is the national online lending division of Darien Rowayton Bank. FDIC-insured and established in 2006, Darien Rowayton Bank has helped thousands of professionals with graduate and undergraduate degrees across the country to refinance and consolidate over $2.5 billion in federal and private school loans, saving these borrowers thousands of dollars each.

Loan Features

Laurel Road provides carefully crafted lending products with low rates, personalized customer service, and streamlined transaction processes to make the difficult road to success just a bit easier. We offer a full suite of consumer and commercial banking services, student loan refinancing options, personal loans, and mortgage lending solutions.

Laurel Road offers unsecured personal loans from $1,000 to $45,000, with typical annual percentage rates ranging from 5.5% to 11.74%, which includes a 0.25% discount for automatic bank payments. There are no application fees, origination fees or prepayment penalties.

Application Process

Before applying for student loan refinancing or consolidation with Laurel Road, review our eligibility criteria to find out if you may qualify for student loan debt refinancing with us. Additional underwriting criteria, including your financial history, monthly income and debt/expenses, may apply.

You hold a private or federal student loan(s) that are not delinquent or in default
You are a US citizen or permanent resident with a valid I-551 (Green Card)
Residents of all 50 US states and the District of Columbia are eligible for refinancing
You attended and received a degree from an eligible bachelor’s, graduate, and/or post-graduate (DDS and DMD only) program with proof of graduation (diploma and/or transcripts required)
You maintain a responsible credit history
The amount of your loan to be refinanced is a minimum of $5,000

Repayment Terms

Loan amounts $1,000 – $45,000
Typical APR 5.75% – 11.99% (without autopay)

The APR may increase during the term of the loan, but will not increase above the maximum interest rate. Borrowers who take out a variable loan with a term of 5, 7, or 10-years will have a maximum interest rate of 9%. Borrowers who take out a 15 or 20-year variable loan will have a maximum interest rate of 10%.

Customer Support

Laurel Road
P.O. Box 191
Bridgeport, CT 06601

Monday – Thursday
8:30 a.m. – 8:30 p.m. EST

Friday & Saturday
8:30 a.m. – 5:30 p.m. EST

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