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Last Updated: 03/05/2026

ELFI

in Student Loan Refinancing from SouthEast Bank

Last Updated: 03/05/2026

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Strongly recommended9 total votes

8 users recommend

1 users are unsure

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Highlights

Community Rating

Strongly recommended

Fixed APR

4.29% - 8.44%

Variable APR

4.74% - 8.24%

Amount Range

Starting at $10,000

Loan Term (Years)

5 - 20

Number of Reviews

ELFI Review

ELFI is a student loan refinance offering by SouthEast Bank . Founded in 1995, SouthEast Bank offers student loan refinancing in 50 states and Washington, DC.

ELFI FAQ

What APRs does ELFI offer on its student refinancing loans?

The range of APRs you qualify for when refinancing a student loan vary widely by lender and will depend on your creditworthiness and the type of loan you choose. Loans with fixed rates will typically have higher APRs than loans with a variable rate.

ELFI offers variable rate APRs that range from 4.74% to 8.24%.Borrowers who choose a fixed-rate refinancing loan can expect APRs that range from 4.29% to 8.44% APR.

How much can you borrow via ELFI?

Loan amounts start at $10,000 .

Does ELFI charge an origination fee?

No, ELFI does not charge a loan origination fee.

A loan origination fee is what some lenders charge for processing, underwriting, and funding a loan. Typically fees range from 0.5% to 5% of the loan amount. Whenever possible, go with lenders that don’t charge origination fees.

Does ELFI charge prepayment fees?

No, ELFI does not charge prepayment fees. This means you will not have to pay additional fees if you decide to pay the loan off early.

What terms does ELFI offer?

ELFI provides refinancing loans of 5 to 20 years.

It also offers borrowers unemployment protection. This means that if you lose your job through no fault of your own your loan payments may qualify for a temporary hold.

What type of borrowers will ELFI consider?

ELFI considers loans applications from:

What do you need to qualify for ELFI?

Applicants with a credit score of at least 680 and up to 850 may be eligible for ELFI.

ELFI 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 ELFI.

What is the estimated funding time for a student loan refinance via ELFI?

ELFI will typically fund loans within 14 and 21 days of approval.

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Message from ELFI

Education Loan Finance (“ELFI”) makes financing your future simple by offering easy payment options, affordable rates, and flexible terms in an application process that is transparent and secure. Ready for something truly different? You’ll never go it alone. When you apply, you’ll receive a Student Loan Advisor, an expert ready to walk you through the application process and answer any questions along the way.

Contact

Headquarters

12700 Kingston Pike

Farragut, TN 37934