Is Splash Financial Personal Loans the right fit for you?
Last Updated: 05/02/2026
Splash Financial Personal Loans
Claimed
in Personal Loans from Splash Financial, Inc.
Last Updated: 05/02/2026
No Reviews Yet
This product has no reviews yet. Help others by sharing your thoughts.
Be the first to rate
Cast Your Vote
Get Competing Personal Loan Offers
Compare personal loan offers from Splash Financial Personal Loans and their competitors.
Discover your lowest eligible rate in minutes.
See how much you qualify for and what your monthly payment will be.
Get Personalized Rates
It's quick, easy, and won't hurt your credit score.
Highlights
APR (Fixed APR)
10.59% - 26.76%(Verified 05/02/2026)
Disclaimer popup with additional information
Amount Range
$5,000 - $50,000
Disclaimer popup with additional information
Loan Term (Months)
24 - 60
Splash Financial Personal Loans Review
Splash Financial Personal Loans is offered by Splash Financial, Inc., a marketplace lending platform founded in 2012 and based in Clevelend, OH. Splash Financial are available in 49 states and Washington, DC.
Key Takeaways
- APRs starting at 10.59%. Personal loan interest rates typically range between 9% and 36%. The starting rates for Splash Financial Personal Loans are on the higher end of the spectrum.
- Fast access to funds. If approved, Splash Financial, Inc. will send the money in as little as 24 hours.
- Large loan amounts. You can apply for loan amounts of up to $50,000 with Splash Financial Personal Loans .
- Origination fees of 3.29% to 7.99%. This is on the high end for lenders on SuperMoney's database. Don't forget that these fees are deducted from the loan amount, so take them into account when deciding how much money to borrow.
Splash Financial Pros & Cons
| Pros | Cons |
|
|
Splash Financial FAQ
What interest rates and personal loan terms does Splash Financial offer?
Splash Financial has higher than average interest rates for lenders reviewed on SuperMoney.
What interest rates does Splash Financial offer?
Splash Financial offers a fixed APR personal loan product that ranges from 10.59% APR up to 26.76% APR.
How much can you borrow via Splash Financial?
Personal loan amounts start at $5,000 and go up to $50,000
What is the maximum loan term you can get with Splash Financial?
Splash Financial offers loans with terms of up to 60 months.
| Personal Loan Amount | $5000 - $50000 |
| Loan Term | 24 - 60 months |
| APR | 10.59% - 26.76% |
What fees does Splash Financial charge?
Does Splash Financial charge an origination fee?
Splash Financial may charge a personal loan origination fee of 3.29% to 7.99% of the personal loan amount . Splash Financial deducts the origination fee directly from your personal loan amount, so make sure you take this fee into account when deciding how much you need to borrow.
Does Splash Financial charge a late fee?
Splash Financial does not disclose whether it charges late payment fees.
Does Splash Financial charge prepayment fees?
No, Splash Financial does not charge prepayment fees. This means you will not have to pay additional fees if you decide to pay the personal loan off early.
| Origination Fee | 3.29% - 7.99% |
| Prepayment Fee | No |
| Late Payment Fee | No |
What do you need to qualify for Splash Financial Personal Loans?
Applicants with a credit score of at least 680 and up to 850 VantageScore may be eligible for Splash Financial Personal Loans. The minimum age to be eligible is 18 or the state minimum, whichever is higher. Splash Financial Personal Loans does not have or does not disclose a minimum annual income eligibility requirement.
U.S. citizens and permanent resident / green card holders are eligible to apply for the services offered by Splash Financial Personal Loans. Not all companies will work with visa holders. Splash Financial, Inc. does offer its services to temporary resident visa holders such as F1 or H1B holders.
To qualify, applicants may need to provide the following documentation:
- Driver's license or other government photo ID
- Government issued photo ID
- Proof of identity
- Proof of residence
| Minimum Age | 18 |
| Bank Account Required? | No |
| Application Types Accepted |
|
| Credit Score | 680 - 850 VantageScore |
What is the estimated funding time for a personal loan via Splash Financial?
Splash Financial will typically fund loans within 1 to 3 business days of approval and clearing necessary verifications.
Does Splash Financial, Inc. perform a hard credit pull?
Yes, Splash Financial performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
Are Splash Financial Personal Loans legit?
Splash was founded in 2012, it is a well-established company that has been in business for 14 years.
Unfortunately, we don't have sufficient community reviews to provide a reliable rating of their user experience and customer service.
Splash Financial Personal Loans Disclosure: Terms and Conditions apply. Please note the loan amount, as this may be a counteroffer of the original loan amount requested. Rates displayed may include a direct pay discount. With Direct Pay, the loan proceeds are paid directly to your credit card accounts. If you do not enroll in direct pay, your rate may increase.
Splash reserves the right to modify or discontinue products and benefits at any time without notice. Rates and terms are subject to change at any point prior to application submission. Your prequalified rate is based on information you provided. All final offers require verified credit information which could impact your qualified rate. Not all applicants qualify for the lowest rate. The information you provide to us is an inquiry to determine whether Splash's lending partners can make you a loan offer. If approved, your actual rate will be within a range of rates and will depend on a variety of factors, including credit score, credit usage history, loan term, and other factors. Please be advised that a lending partner who has an available loan offer for you may conduct another soft credit pull as part of its application review process.
Splash marketplace loans offer rates between 10.59% to 26.76% APR as of April 23, 2026. Our lowest rate may include a 0.25% autopay discount for the shortest loan term. Personal loans offered through the Splash network have an origination fee of 3.79-7.49%, which may be deducted from the loan proceeds. Lowest rates may require autopay and may require paying off a portion of existing debt directly. The autopay reduction will not be applied if autopay is not in effect. See loan agreement for details. The APR on your loan may be higher or lower and your loan offers may not have multiple term lengths available.
Repayment examples are for illustrative purposes only. Personal loan repayment example: If you are approved for a $10,000 loan with a 36-month term and a fixed APR of 17.98% (which includes a 14.32% yearly interest rate and a 5% one-time origination fee), you would receive $9,500 in your account and would have a monthly payment of $343.33. Not all rates and amounts available in all states. Residents of Massachusetts have a minimum loan amount of $6,000; New Mexico and Ohio, $5,000; residents of Georgia have a minimum loan amount of $3,001. There is no fee or penalty for repaying a loan early. Late payments or subsequent charges and fees may increase the cost of your fixed rate loan.
Personal loans are solely for personal, family, or household purposes and are not permitted to be used to purchase or refinance the purchase of real estate, securities or other investments. Personal loans may not be used for business purposes, to finance post-secondary education expenses, for short-term bridge financing or any illegal purpose.
SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
Other Services by Splash Financial, Inc.
Home Equity Lines of Credit
6
3
2
11 Reviews
Student Loan Refinancing
30
33 Reviews
SuperMoney Net Recommendation Score
This product has no reviews yet. Help others by sharing your thoughts.
0
-1000+100
No one recommends
Everyone recommends
Splash Financial Personal Loans Community Reviews
Would you recommend Splash Financial Personal Loans to your friends?
There are currently no reviews.
You might also like
Best Personal Loans
SuperMoney
What You Need to Know About Personal Loan Rates
Audrey Henderson
Point-of-Sale Financing: How to Finance Purchases Online
Eliana Carmona