in Student Loan Refinancing from Purefy

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in Student Loan Refinancing from Purefy

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Fixed APR 4.74% - 8.24%
Variable APR 2.77% - 8.62%
Loan Amount $7,500 - $350,000
Loan Term (Years) 5 - 20

Purefy Review

Purefy is a student loan refinance offering by Purefy, a marketplace lender. Founded in 2013, Purefy offers student loan refinancing in 50 states (and Washington, DC).

What APRs does Purefy 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. 

Purefy offers variable rate APRs that range from 2.77% to 8.62%.
Borrowers who choose a fixed-rate refinancing loan can expect APRs that range from 4.74% to 8.24% APR.

How much can you borrow via Purefy?

Loan amounts start at $7,500 and go up to $350,000

Does Purefy charge an origination fee?

No, Purefy 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 Purefy charge prepayment fees?

Yes, Purefy charges additional fees to borrowers who pay off their loans sooner than anticipated. Take this into consideration when choosing a lender because prepayment fees can reduce or even cancel the interest savings of repaying a loan early.

What terms does Purefy offer?

Purefy provides refinancing loans of 5 to 20 years.

What type of borrowers will Purefy consider?

Purefy considers loans applications from:

  • undergraduate degree holders
  • graduate degree holders
  • parents of graduates

What do you need to qualify for a Purefy student loan refinance?

Purefy doesn’t disclose its credit score minimum.

Note that borrowers can add a cosigner to the loan to either meet eligibility requirements or qualify for lower interest rates.

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

Purefy will typically fund loans within 7 and 14 days of approval.

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About Purefy


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

Feature Breakdown

No Origination Fee  
Grace Period for Late Payment (Days) 0
Cosigner Optional  
Minimum Annual Income $24,000
Variable APR 2.77% - 8.62%
Loan Amount $7.5K - $350K
Loan Term (Years) 5 - 20
Fixed APR 4.74% - 8.24%

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