Who publishes a full APR range, and who does not

Of the 22 US rows on this site, 15 publish both ends of a range and can be ranked by interest over the life of the loan (checked 2026-08-25). Three publish only a floor, three publish no rate, and one marketplace publishes partner ranges without a combined band.

How many lenders publish both ends of the range?

Fifteen of the 22 US rows publish a floor and a ceiling, and all 15 have the $30,000 over 10 years case available (checked 2026-08-25). That count comes from the machine-generated tally in the site's fact ledger, not from my own count of the rows. The 15 are SoFi, Splash Financial, LendKey, Laurel Road, Citizens, College Ave, Brazos, RISLA, MEFA, Navy Federal Credit Union, ISL Education Lending, INvestEd, Yrefy, Credible, and Purefy.

Those are the only rows that appear in the lender list with a figure for interest at the ceiling. A range with two ends is the minimum input for the site's formula, which Method sets out in full. If a lender publishes only one end, there is nothing to put at the top.

The 22 rows split into 15 direct lenders and 7 marketplaces (checked 2026-08-25). Some marketplaces publish a combined partner range, so they can be computable even though they lend nothing themselves. Credible states its combined partner range as fixed 3.98% to 10.99% and variable 3.62% to 10.99% (checked 2026-08-25). A marketplace range is a band across several lenders, so its floor and ceiling can come from different partners; choosing between two lenders shows what that does to a comparison.

Who publishes only a floor?

Earnest, ELFI, and Advantage Education Loan publish a "from" rate with no ceiling, and so they are not computable (checked 2026-08-25). Their pages are not hiding anything unusual. They simply stop at the bottom of the range.

Earnest's page shows fixed 4.45% and variable 5.88% with the footnote "These are our lowest starting rates and contain our 0.25% Auto Pay discount" (checked 2026-08-25). The same footnote adds that "Some borrowers may see higher rates based on their credit". That sentence confirms a range exists; it does not say where the range ends. Earnest's page on this site therefore shows the floor and an empty ceiling.

ELFI shows fixed "4.29% APR" and variable "4.74% APR" as floors only, with a $10,000 minimum and "5-20 Years" of terms (checked 2026-08-25). Its separate rates URL returned 404 when the checker tried it. Advantage Education Loan shows "4.99% APR*" with the line "Even lower rates with our autopay discount!" and does not state the discount amount (checked 2026-08-25). Advantage's page records the published terms of 10, 15, and 20 years.

Brazos sits in the computable group on its fixed product, but its variable product is also floor-only, at "Starting at 3.62% APR" (checked 2026-08-25). So a single lender can be computable on one product and not on the other.

Who publishes no rate at all?

Nelnet Bank, PenFed, and Sparrow are the three quote-only rows, and none of them publishes an APR range (checked 2026-08-25). Each has a different reason, and the lenders' own wording makes the reason clear.

Nelnet Bank's refinance page states "This product is temporarily paused" and publishes no rates, terms, or fees (checked 2026-08-25). U-fi From Nelnet is not a separate row. Its page states that its Education Refinance loans "are made and funded through Nelnet Bank" (checked 2026-08-25). PenFed's student loan page states "This student loan marketplace is powered by Sparrow" (checked 2026-08-25). It adds that PenFed "is compensated by Sparrow for the referral of loan customers". The only figure on the page is a "requested minimum loan amount of $1,000".

Sparrow itself shows example figures marked "Illustrative purposes, actual results may vary" and states that "Personalized rates are not a firm offer of credit" (checked 2026-08-25). I do not treat an illustrative example as a published range. Juno is the one row marked published that carries no combined band; it lists per-partner ranges such as SoFi "3.99% APR to 10.99% APR" and does not combine them (checked 2026-08-25). I left it uncombined on purpose, because combining would mean computing a range the marketplace never printed.

What does "not readable" mean, and who is in that group?

No US row is marked not readable as of the check date (checked 2026-08-25). The label exists for a page that the site's checker cannot fetch or parse, and it describes our limitation, not the lender's. A lender whose page returns an error to a script may still publish a full range to anyone with a browser.

Earnest, Laurel Road, Citizens, Brazos, and Yrefy fell into that gap during the August 25, 2026 check, and their pages were read in a browser instead. Earnest's page returns an error to the automated checker. Laurel Road's per-term table and Citizens' range are script-rendered, as are Brazos' rate chart and Yrefy's page. The figures for those lenders were read from the rendered page on that date and are dated the same way as every other row. Laurel Road's page shows the per-term table that the browser read, with rates "current as of August 25, 2026".

Two computable products from those browser-read pages give a sense of what that reading recovers. Laurel Road's fixed ceiling of 9.75% produces $17,077 in interest on $30,000 over 10 years, and Citizens' fixed ceiling of 10.65% produces $18,879 (checked 2026-08-25). The gap between floor and ceiling across all 24 computable products runs from $3,518 to $14,443, with a median of $9,658 (checked 2026-08-25).

Laurel Road fixed, ceiling 9.75%, $30,000 over 10 years (checked 2026-08-25) $392.31 × 120 payments − $30,000 = $17,077

The calculator recalculates any of these with your own balance and term.

Which group is each lender in?

GroupLendersWhat the page showsComputable
Both ends publishedSoFi, Splash Financial, LendKey, Laurel Road, Citizens, College Ave, Brazos, RISLA, MEFA, Navy Federal Credit Union, ISL Education Lending, INvestEd, Yrefy, Credible, PurefyA floor and a ceilingYes
Floor onlyEarnest, ELFI, Advantage Education LoanA "from" rate with no ceilingNo
Per-partner onlyJunoPartner ranges, no combined bandNo
Quote onlyNelnet Bank, PenFed, SparrowNo APR rangeNo
Not readableNonePage could not be read by the checkerNo

^ Source: data/dataset.json and the count-US fact in review-kit/facts.json, generated by build.py on 2026-08-25 (checked 2026-08-25).

Why does the group matter more than the floor?

Because a floor alone cannot tell you the interest over the life of the loan, and the floor is the number every lender leads with. What refinancing costs walks through why the ceiling is the figure the site puts first. A lender in the floor-only group might have a low ceiling or a high one; its page does not say, and this site will not guess.

The same applies in reverse. A lender in the computable group is not better because it is computable. It is only measurable. Article 02 explains why the advertised rate is the bottom of the range and what that implies for a page that shows only that rate.

Where the answer changes

Who this article is not for

If you already have a written rate offer from a specific lender, the published range no longer matters for you. Your offer replaces both ends of it, and the only useful step is to run that offer through the calculator with your own balance and term.

Sources

How this article was made. Written by Kaz, an independent publisher. All figures come from the companies' own published documentation or regulator publications; each figure carries the date it was last checked. I have not borrowed from these lenders, and nothing here is a personal result. The arithmetic is shown so you can recalculate with your own numbers. Found an error? Use the contact form; corrections are logged on the Editorial policy page.

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Written by Kaz (pen name). Figures are copied from the sources' published pages on the dates shown. We have not used these products. Corrections: contact form.