Everence Student Loan Refinance
Everence Student Loan Refinance
in Student Loan Refinancing from Everence

Everence Student Loan Refinance

in Student Loan Refinancing from Everence
Not enough votes for recommendation

Not enough votes for recommendation

Cast your vote

Would you recommend Everence Student Loan Refinance to your friends?

Thanks for your vote!

You voted: May or may not recommend

Fixed APR N/A
Variable APR 3.99% - 8.5%
Loan Amount $2,000 - $30,000
Loan Term (Years) 5 - 20 years

Everence Student Loan Refinance Review

Everence Student Loan Refinance is a student loan refinance offering by Everence, . Founded in 1945, Everence offers student loan refinancing in 50 states (and Washington, DC).

Everence Student Loan Refinance FAQ

What APRs does Everence Student Loan Refinance 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. 

Everence Student Loan Refinance offers variable rate APRs that range from 3.99% to 8.5%.

How much can you borrow via Everence Student Loan Refinance?

Loan amounts start at $2,000 and go up to $30,000

Does Everence Student Loan Refinance charge an origination fee?

No, Everence Student Loan Refinance 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 Everence Student Loan Refinance charge prepayment fees?

No, Everence Student Loan Refinance 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 Everence Student Loan Refinance offer?

Everence Student Loan Refinance provides refinancing loans of 5 to 20 years.

What type of borrowers will Everence Student Loan Refinance consider?

Everence Student Loan Refinance considers loans applications from:

  • undergraduate degree holders
  • graduate degree holders

What do you need to qualify for Everence Student Loan Refinance?

Everence Student Loan Refinance does not require or does not disclose a credit score minimum.

To qualify for student loan refinancing with Everence Student Loan Refinance, applicants need a minimum annual income of $15,000 or higher. Everence Student Loan Refinance will consider borrowers regardless of their employment status if they can prove their ability to repay their obligations. Note that borrowers can add a cosigner to either meet eligibility requirements or qualify for lower interest rates.

The Military Lending Act (32 C.F.R. § 232) prohibits lenders from charging service members more than 36% APR on credit extended to covered borrowers. Active duty service members and their covered dependents are eligible to apply for a loan via Everence Student Loan Refinance. Their rates fall within the limits of The Military Lending Act.

To qualify, applicants may need to provide the following documentation:

  • Proof of graduation
  • Loan payoff statements
  • Recent pay stubs
  • Proof of income
  • Proof of identity

What is the estimated funding time for a student loan refinance via Everence Student Loan Refinance?

Everence Student Loan Refinance will typically provide a credit approval decision in less than an hour and fund the loan within 1 to 7 days.

SuperMoney Disclosure: 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 Everence


  Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • Washington, DC
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

No Interest Grace Period for Late Payment 6 days
No Origination Fee
No Prepayment Fee
Cosigner Optional
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Unemployed
Joint Loan Applications Accepted
  • Cosigner
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Minimum Annual Income $15,000
Verification Documents Required
  • Recent Pay Stubs
  • Proof of Income
  • Proof of Graduation
  • Loan Payoff Statements
  • Proof of Identity
Funding Time Range 1 - 7 days
Payment Options
  • Automatic Payments
  • Check by mail
  • Credit/Debit Card
Loan Amount $2,000 - $30,000
Variable APR 3.99% - 8.5%
Loan Term 5 - 20 years

Be the first to rate


Would you recommend Everence Student Loan Refinance to your friends?

Before we publish your vote:

Please explain your vote by sharing your experience.

Writing a review increases the credibility of your vote and helps your fellow users make a better-informed decision.

Please write a review to submit your vote
(will require moderator approval)

Other Student Loan Refinancing