Splash partners with banks, credit unions, and other lenders to
bring you market-leading rates. In fact, many of the rates you'll find
on Splash aren't available anywhere else. This allows us to offer
amazing benefits such as:
Variable rates start at
and Fixed rates start at 2.81% APR.†
Easy Application Process
Our seamless online experience takes the hassle out of refinancing.
No application fees, no origination fees, and no pre-payment penalties.
Terms and Conditions apply.
Splash reserves the right to modify or discontinue products and benefits at any time
without notice. Rates and terms are also subject to change at any time without notice. Offers are subject to credit
approval. Our lending partners require the borrower to be a U.S. citizen in an eligible state to qualify. Some
lenders allow the borrower to be a permanent resident in an eligible state to qualify. Some lenders may require a
co-signer. The borrower is required to meet applicable underwriting requirements based on specific lender criteria.
Not all borrowers receive the lowest rate. Lowest rates are reserved for the highest qualified borrowers. If
approved, your actual rate will be within a range of rates and will depend on a variety of factors, including term
of loan, a responsible financial history, income and other factors. Refinancing or consolidating private and federal
student loans may not be the right decision for everyone. Federal loans carry special benefits not available for
loans made through Splash Financial, for example, public service loan forgiveness and economic hardship programs,
fee waivers and rebates on the principal, which may not be accessible to you after you refinance.
The information you provide to us is an inquiry to determine whether we or our lenders can make a loan offer
that meets your needs. Not all information is required by all lending partners were you to submit an application
directly on their website. If we or any of our lending partners has an available loan offer for you, you will
be invited to submit a loan application to the lender for its review. We do not guarantee that you will receive
any loan offers or that your loan application will be approved. Offers are subject to credit approval and
are available only to U.S. citizens or permanent residents who meet applicable underwriting requirements.
Not all borrowers will receive the lowest rates, which are available to the most qualified borrowers.
Participating lenders, rates and terms are subject to change at any time without notice.
1 To check the rates and terms you qualify for, Splash Financial conducts a soft credit
pull that will not affect your credit score. However, if you choose a product and continue your
application, the lender will request your full credit report from one or more consumer reporting
agencies, which is considered a hard credit pull and may affect your credit.
2 Savings over the life of your loan assumes same or shorter loan terms and/or
interest rates on your refinance, and may not be representative of your situation.
Actual savings, if any, may vary based on interest rates, balances, remaining repayment of
terms and other factors.
† The rates displayed include a 0.25% autopay discount.
3 Terms and conditions apply. Borrowers employed full time as an intern, resident, fellow, or similar postgraduate trainee at the time of loan disbursement are eligible to make $100 monthly payments throughout their training (“Residency Period”). The maximum amount of time they can pay $100 per month is 84 months. Residency and fellowship loans have a fixed interest rate that ranges from 3.06% APR to 6.47% APR or a variable rate that ranges from 2.53% to 6.37%, a loan term of up to 240 months, inclusive of an optional 84-month deferment period during residency or fellowship, and provide the option to either immediately repay the principal and interest or to defer repayment. The APR range shown assumes the APR, monthly payment and total payments that would apply to a loan that is made at the end of the residency period in a single disbursement. For example, a refinance loan with a fixed 3.06% APR on a $180,000 principal balance, a 3-month training period with payments of $100 per month will have a 5-year repayment term after training is complete with payments of $3,258.77 per month. Splash reserves the right to modify or discontinue products and benefits at any time without notice. Rates and terms are also subject to change at any time without notice. Offers are subject to credit approval. To qualify, a borrower must be a U.S. citizen or permanent resident in an eligible state and meet applicable underwriting requirements. Not all borrowers receive the lowest rate. Lowest rates are reserved for the highest qualified borrowers. If approved, your actual rate will be within a range of rates and will depend on a variety of factors, including term of loan, a responsible financial history, income and other factors
Splash Financial, Inc. (NMLS #1630038), NMLS
Consumer Access. Equal Housing Lender
Splash® is a registered trademark of Splash Financial, Inc.