Save hundreds each month on your loans.

Refinancing can save borrowers $3501a per month or $29,3401b over the life of the loan

Instant rate check does not impact credit score

Why refinance with Splash?

Splash Financial loans are funded by banks and credit unions, who we’ve negotiated with on your behalf to ensure market leading rates.

Save money

Low fixed and variable rates. No application or origination fees


Both government and private loans can be refinanced

Save time

One loan and one payment make life a lot simpler.

Fixed Rate

Rates as low as 3.25% APR.1

Variable Rate

Rates as low as 2.70% APR.1

Low rates mean more savings.
Pick the best loan for you.

Save on your student loans by lowering your interest rate and choosing between a range of rates and terms. No prepayment penalties and no hidden fees. Transparent savings calculator built into the process to help you pick your loan.

Use our powerful calculator

Our calculator lets you see how much you could save in minutes!
over life of the loan
now vs. later
cost of loan


Not only did refinancing with Splash save me money, but they saved me time. Before Splash, I had 12 loans with the government that were tough to manage. Now I only have 1 loan, and I know who to call to get answers”

-Timmie S., MD

Getting started is easy


Determine Eligibility

Before you start the application, we ask a few questions to make sure the loan is right for you.


Complete Loan Application

Here you enter more detailed information and upload your supporting loan documents.


Save Money, Simplify Life!

Once your application is approved and you accept the new loan, we pay off your old loans and you're refinanced!