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  NaviRefi
NaviRefi
in Student Loan Refinancing from Navient Corporation
Unaffiliated

NaviRefi

Unaffiliated
in Student Loan Refinancing from Navient Corporation
Net Recommendation Score -100  

SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly not recommended by SuperMoney users with a score of -100, equating to 1 on a 5 point rating scale.

-100

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

Rating not yet determined  

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Highlights
Community Rating

Rating not yet determined  

Loan Amount $5,001 - $250,000
Loan Term (Years) 5 - 20 years
Fixed APR 3.48% - 7.35%
Variable APR 2.88% - 7.25%

NaviRefi Review

NaviRefi is a student loan refinance offering by Navient Corporation, . Founded in 2014, Navient Corporation offers student loan refinancing in 44 states (and Washington, DC).

NaviRefi FAQ

What APRs does NaviRefi 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. 

NaviRefi offers variable rate APRs that range from 2.88% to 7.25%.
Borrowers who choose a fixed-rate refinancing loan can expect APRs that range from 3.48% to 7.35% APR.

How much can you borrow via NaviRefi?

Loan amounts start at $5,001 and go up to $250,000

Does NaviRefi charge an origination fee?

No, NaviRefi 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 NaviRefi charge prepayment fees?

No, NaviRefi 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 NaviRefi offer?

NaviRefi provides refinancing loans of 5 to 20 years.

What type of borrowers will NaviRefi consider?

NaviRefi considers loans applications from:

  • undergraduate students
  • graduate students
  • undergraduate degree holders
  • graduate degree holders

What do you need to qualify for NaviRefi?

Applicants with a credit score of at least 720 and up to 850 may be eligible for NaviRefi.

NaviRefi does not have or does not disclose a minimum annual income eligibility requirement. NaviRefi will consider borrowers regardless of their employment status if they can prove their ability to repay their obligations.

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 NaviRefi. Their rates fall within the limits of The Military Lending Act.

U.S. citizens and permanent resident / green card holders are eligible to apply for the services offered by NaviRefi.

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

  • Proof of income
  • Driver's license
  • Proof of identity

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.

Contact

Other Services by Navient Corporation

Availability

  Available in 44 states and Washington, D.C.
  • Alaska
  • Alabama
  • Arkansas
  • Arizona
  • Colorado
  • Connecticut
  • Washington, DC
  • Georgia
  • Hawaii
  • Iowa
  • Idaho
  • Illinois
  • Kansas
  • Louisiana
  • Massachusetts
  • Maryland
  • Maine
  • Michigan
  • Minnesota
  • Missouri
  • Mississippi
  • Montana
  • North Carolina
  • North Dakota
  • Nebraska
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Virginia
  • Vermont
  • Washington
  • Wisconsin
  • West Virginia
  • Wyoming

Feature Breakdown

No Origination Fee
No Prepayment Fee
Credit Score Range 720 - 850
Employment Statuses Considered
  • Other
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Unemployed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Verification Documents Required
  • Driver License (or other photo ID)
  • Proof of Income
  • Proof of Identity
  • Social Security Number
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Payment Options Automatic Payments
Fixed APR 3.48% - 7.35%
Loan Amount $5,001 - $250,000
Variable APR 2.88% - 7.25%
Loan Term 5 - 20 years

NaviRefi Community Reviews

 

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SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly not recommended by SuperMoney users with a score of -100, equating to 1 on a 5 point rating scale.

-100

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

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