Purefy Student Loan Refinance

Purefy Student Loan Refinance

in Student Loan Refinancing from Purefy


Purefy Student Loan Refinance


in Student Loan Refinancing from Purefy

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

Purefy Student Loan Refinance Review

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

What APRs does Purefy 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. 

Purefy Student Loan Refinance 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 Student Loan Refinance?

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

Does Purefy Student Loan Refinance charge an origination fee?

No, Purefy 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 Purefy Student Loan Refinance charge prepayment fees?

Purefy Student Loan Refinance is a marketplace lending platform and may sometimes charge a prepayment penalty depending on the unique circumstances of each borrower. Read the loan documents carefully before you commit to a loan. Lenders must disclose any fees they'll charge you upfront, including prepayment penalties.

What terms does Purefy Student Loan Refinance offer?

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

What type of borrowers will Purefy Student Loan Refinance consider?

Purefy Student Loan Refinance considers loans applications from:

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

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

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

To qualify for student loan refinancing with Purefy Student Loan Refinance, applicants need a minimum annual income of $24,000 or higher.

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

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

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  • Headquarters
  •   1875 Connecticut Avenue NW
    Washington, DC 20009
  • (202) 524-1115

About Purefy Student Loan Refinance

Message From Our Editor

What we love about Purefy

Purefy Student Loan Refinancing lets you view the terms of your refinancing offer, including interest rates and fees, before checking your credit. That means that you can easily see if refinancing is a good idea without impacting your credit score.

Purefy doesn’t service loans itself. Instead, the company, matches you with partner lenders, meaning it can help you find a good deal. Through Purefy Student Loan Refinancing, you can refinance very small or large loans and select from a variety of loan terms to customize your monthly payments.

To sweeten the deal, the company offers a few bonus features such as couples loans and cosigner releases.

What could Purefy do better?

One drawback of working with Purefy is a drawback of any type of student loan refinancing. If you refinance federal loans with a private lender, you lose many of the protections and perks of federal student loans, like income-based repayment.

The company also has a short list of lending partners, so if you want a tool that can help you compare dozens of different student lenders, you’ll want to look elsewhere.

Purefy's backstory

Purefy was founded in 2014 to help add more transparency to the student loan industry. Jack Zoeller, founder of Purefy, chooses lenders to work with because of the way they structure their loans to make them clear and easy to understand.

The Verdict

If you’re looking for a transparent lending process and want the chance to see your rates before impacting your credit, Purefy Student Loan Refinancing is a great choice. Still, you should take the time to shop around and look for the best deal because Purefy only partners with a small number of lenders.


  Available in 50 states and Washington, D.C.
  • Alaska
  • Alabama
  • Arkansas
  • Arizona
  • California
  • Colorado
  • Connecticut
  • Washington, DC
  • 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

Feature Breakdown

No Origination Fee
No Interest Grace Period for Late Payment 0 days
Cosigner Optional
Minimum Annual Income $24,000
Fixed APR 4.74% - 8.24%
Loan Amount $7,500 - $350,000
Variable APR 2.77% - 8.62%
Loan Term 5 - 20 years

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