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Loeffler was sworn into the Senate on January 6, 2020.

On March 19, 2020, the public release of federal financial disclosure documents revealed that Loeffler and her husband, Jeffrey Sprecher, had sold stock in companies vulnerable to the COVID-19 pandemic with an aggregate value of several million dollars. Loeffler has denied any wrongdoing, saying the trades were made by a third-party advisor and that she learned about them only after they occurred. The disclosures included that between January 24 and February 14, the couple sold between $1.275 and $3.1 million worth of stock in 27 companies, while buying stocks worth between $450,000 and $1 million, including in Citrix, a collaboration software company.

On March 20, 2020, the consumer advocacy group Common Cause filed complaints with the Justice Department, the Securities and Exchange Commission and the Senate Ethics Committee for possible violations of the STOCK Act and insider trading laws in the matter of stock sales by Loeffler and two other Republican senators, Richard Burr and James Inhofe. On April 1, 2020, it was revealed that Loeffler and Sprecher had sold at least $18.7 million in Intercontinental Exchange stock before the 2020 stock market crash. An April 8, 2020, The Wall Street Journal reported that Loeffler and Sprecher would be selling individual stocks in an effort "to move beyond the distraction" caused by trades they made before and during the market decline caused by the novel coronavirus. On 21 May 2020, Sprecher gave $1 million to a Trump 2020 reelection super PAC. It was his largest ever federal political donation. On May 26, the Department of Justice announced that it had closed its inquiry into Loeffler.

Loeffler describes herself as a conservative Republican. She supports the reelection of President Donald Trump. In the past, she has donated to candidates from both the Democratic and Republican parties. Since being sworn in as a senator, as of April 2020, Loeffler has voted with Trump on legislative issues 100% of the time, according to FiveThirtyEight.

Loeffler opposes abortion and has said she will vote for anti-abortion legislation. Although her appointment was initially opposed by the Susan B. Anthony List, it endorsed Loeffler in the 2020 election. Loeffler has said she supports gun owners' Second Amendment rights and constructing a border wall along the Mexico–United States border. She supports the appointment of conservative judges to federal courts.

On December 4, 2019, Georgia Governor Brian Kemp selected Loeffler as the successor to Senator Johnny Isakson, who announced his intention to resign at the end of 2019 for health reasons. She was sworn into office on January 6, 2020. Loeffler is running in the special Senate election to take place in late 2020.

In November 2019, Loeffler applied to succeed incumbent Senator Johnny Isakson, who had announced his resignation from the United States Senate, effective December 31, for health reasons. She is running in the 2020 special election for the remainder of Isakson's term. The Atlanta Journal-Constitution reported that Loeffler was Governor Brian Kemp's choice for the seat, and on December 4 he announced that he would appoint her when the seat became vacant.

Loeffler considered seeking the Republican nomination in the 2014 United States Senate election in Georgia but ultimately passed on the race because of Intercontinental Exchange's pending acquisition with the New York Stock Exchange.

According to the nonpartisan Center for Responsive Politics, Loeffler and her husband have donated $3.2 million to political committees. Most of these donations have gone to the Republican Party, but some have gone to Democrats, including Representative David Scott (GA–13), who received $10,200. Loeffler donated $750,000 to Restore Our Future, a Super PAC supporting former Governor Mitt Romney's 2012 presidential campaign. The National Republican Senatorial Committee received $247,500 from Loeffler and her husband.

In 2004, Loeffler married Intercontinental Exchange founder and CEO Jeffrey Sprecher. They live in Tuxedo Park, Atlanta, in a $10.5 million, 15,000-square-foot (1,400 m) estate named Descante, bought in the most expensive real estate transaction ever recorded in Atlanta.

In 2002, Loeffler joined Intercontinental Exchange, a commodity and financial service provider, in investor relations. After marrying the firm's CEO Jeffrey Sprecher in 2004, a courtship Sprecher described as her biggest risk "because if it didn’t work out, she’d be on the short end of the stick," she was eventually promoted to senior vice president of investor relations and corporate communications. In 2010, Loeffler bought a minority stake in the Atlanta Dream of the Women's National Basketball Association (WNBA). In 2011, she and Mary Brock purchased the team from Kathy Betty. In 2018, Loeffler became the chief executive officer (CEO) of Bakkt, a subsidiary of Intercontinental Exchange.

In 1992, Loeffler graduated with a Bachelor of Science in marketing from the University of Illinois at Urbana–Champaign's Gies College of Business, where she was a member of the Alpha Gamma Delta sorority. After college, she worked for Toyota as a District Account Manager. In 1999, Loeffler graduated with a Master of Business Administration (MBA) in international finance and marketing from DePaul University's Kellstadt Graduate School of Business. She financed her graduate school tuition by mortgaging land inherited from her grandparents; in campaign ads, she has also claimed to have "waited tables through school." After earning her MBA, Loeffler worked for Citibank, William Blair & Company, and the Crossroads Group.

Loeffler was born in Bloomington, Illinois, and raised on her family's corn and soybean farm in Stanford, Illinois. In 1988, she graduated from Olympia High School in Stanford.

Kelly Lynn Loeffler (/ˈ l ɛ f l ər / ; born November 27, 1970) is an American politician serving as the junior United States Senator from Georgia since 2020. A member of the Republican Party, Loeffler previously served as chief executive officer (CEO) of Bakkt, a subsidiary of commodity and financial service provider Intercontinental Exchange. She is also co-owner of the Atlanta Dream, of the Women's National Basketball Association (WNBA).