New! Private student loans now available.   Explore loan options ›
New! Private student loans available.
WELCOME FRIENDS OF THE DAVE RAMSEY SHOW
Break free from high interest rates and save thousands*
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Rates as low as 2.49% fixed APR

Checking rates will not affect your credit score1

No refinancing fees or pre-payment penalties

Welcome Dave Ramsey Listeners!

Whether you’re new to the debt snowball or a total pro, a lower interest rate from Splash may help you get out of debt faster or save money over the life of your loan. Our mission aligns with Dave’s principles - to save people money on their student loans.

Today's low rates
To help in these unprecedented times, we worked with our lending partners to drop rates to historic lows. Refinance to a new low rate today to lock in savings for the life of your loan.2
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Variable
1.88%†
APR
fixed
2.49%
APR
Why refinance your student loans through Splash?
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:
Low Rates
Variable rates start at 1.88% APR† and Fixed rates start at 2.49% APR.
Easy Application Process
Our seamless online experience takes the hassle out of refinancing.
Zero Fees
No application fees, no origination fees, and no pre-payment penalties.
Get My Rate
It’s quick and easy to refinance
Get your rate estimate
See top offers from our entire network of lending partners.
Submit your application
Secure your new rate by submitting your application.
Finalize
your loan
Make your life easier with one lender instead of several.
Save time and money
Enjoy more savings with your new rate and one monthly payment.
Get My Rate
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Address
812 Huron Rd. E.
Suite 350
Cleveland, OH 44115
Phone
1-800-349-3938
Monday – Friday
9am – 9pm EST
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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.

* Example savings of thousands over the life of your loan is a hypothetical savings amount that assumes same or shorter loan terms and/or interest rates on your refinance, and may not be representative of your situation. Your actual savings, if any, may vary based on interest rates, balances, remaining repayment terms and other factors.

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.

Splash Financial, Inc. (NMLS #1630038), NMLS Consumer Access. Equal Housing Lender  
Splash® is a registered trademark of Splash Financial, Inc.

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