Splash Financial, Inc.

in Student Loan Refinancing from Splash Financial, Inc.

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Splash Financial, Inc.


in Student Loan Refinancing from Splash Financial, Inc.

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Community Rating Strongly recommended
Fixed APR 3.75% - 7.03%
Variable APR 3.1% - 7.84%
Loan Amount $7,500 - $350,000
Loan Term (Years) 5 - 15


Where does Splash Financial, Inc. do business?

Splash Financial, Inc. is a marketplace lender based in Clevelend, OH. It was founded in 2012 and offers student loan refinancing in 50 states (and Washington, DC).

What APRs does Splash Financial, Inc. 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. 

Splash Financial, Inc. offers variable rate APRs that range from 3.10% to 7.84%.
Borrowers who choose a fixed-rate refinancing loan can expect APRs that range from 3.75% to 7.03% APR.

How much can you borrow via Splash Financial, Inc.?

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

Does Splash Financial, Inc. charge an origination fee?

No, Splash Financial, Inc. 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 Splash Financial, Inc. charge prepayment fees?

No, Splash Financial, Inc. 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 Splash Financial, Inc. offer?

Splash Financial, Inc. provides refinancing loans of 5 to 15 years.

What type of borrowers will Splash Financial, Inc. consider?

Splash Financial, Inc. considers loans applications from:

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

What do you need to qualify for a Splash Financial, Inc. student loan refinance?

Applicants with a credit score of at least 670 can apply for a loan via Splash Financial, Inc..

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

Only U.S. citizens and permanent residents can apply for a loan. 

To qualify, applicants must provide the following documentation:

  • Proof of identity
  • Proof of citizenship or residence permit
  • Recent pay stubs
  • Proof of income
  • Proof of graduation
  • Loan payoff statements

What is the estimated funding time for a student loan refinance via Splash Financial, Inc.?

Splash Financial, Inc. will typically fund loans within 3 and 14 days of approval.

SPLASH FINANCIAL, INC. Disclosure: Terms and Conditions apply. Splash reserves the right to modify or discontinue products and benefits at any time without notice. Rates and terms are also subject to change at any time without notice. Offers are subject to credit approval. To qualify, a borrower must be a U.S. citizen or permanent resident in an eligible state and meet applicable underwriting requirements. Not all borrowers receive the lowest rate. Lowest rates are reserved for the highest qualified borrowers. If approved, your actual rate will be within a range of rates and will depend on a variety of factors, including term of loan, a responsible financial history, income and other factors. Refinancing or consolidating private and federal student loans may not be the right decision for everyone. Federal loans carry special benefits not available for loans made through Splash Financial, for example, public service loan forgiveness and economic hardship programs, fee waivers and rebates on the principal, which may not be accessible to you after you refinance.
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...


  • Headquarters
  •   812 Huron Rd. E, Suite 350
    Clevelend, OH 44115 USA
  •   Visit Site

Message from Splash Financial, Inc.

We created Splash Financial because our friends were drowning in student loan debt and had nowhere to turn for help. We knew that if our friends were suffering, it was likely that people all over the country were struggling with the same issues - the burden of high student loan balances, with high interest rates and large monthly payments. We believe young professionals will have a huge impact in the world - that's why we're investing in you now. If lowering your monthly payment or paying off your student loans faster can help you reach your goals and make a splash in the world, then we made a fantastic investment. Welcome to Splash Financial.

About Splash Financial, Inc.


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  
No Prepayment Fee  
Origination Fee 0%
Late Fee After (number of days) 5
Late Fee Amount $25
Cosigner Optional  
Credit Score Range 670 - 850
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Minimum Annual Income $25,000
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Retired
  • Self-Employed
Military Status
  • Active Duty Military
  • Military Dependent
  • Non-Military
  • Veterans
Joint Loan Applications Accepted
  • Cosigner
Verification Documents Required
  • Loan Payoff Statements
  • Proof of Graduation
  • Proof of Identity
  • Proof of Income
  • Recent Pay Stubs
  • Driver License (or other photo ID)
  • Proof of citizenship/residence (Green Card)
Variable APR 3.1% - 7.84%
Loan Amount $7.5K - $350K
Loan Term (Years) 5 - 15
Fixed APR 3.75% - 7.03%



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