Last Updated: 12/17/2025
Splash Financial Student Loan Refinance
Claimed
Last Updated: 12/17/2025
SuperMoney User Recommendation Score +88
Strongly recommended33 total votes
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Highlights
Community Rating
Strongly recommended
Fixed APR
4.25% - 10.24%
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Variable APR
4.86% - 10.24%
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Amount Range
$5,000 - $1,000,000
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Loan Term (Years)
5 - 25
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Number of Reviews
Splash Financial Student Loan Refinance Review
Splash Financial Student Loan Refinance is a student loan refinance offering by Splash Financial, Inc. . Founded in 2012, Splash Financial, Inc. offers student loan refinancing in 50 states, 4 US territories and Washington, DC.
Splash Financial Student Loan Refinance FAQ
What APRs does Splash Financial 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.
Splash Financial Student Loan Refinance offers variable rate APRs that range from 4.86% to 10.24%.Borrowers who choose a fixed-rate refinancing loan can expect APRs that range from 4.25% to 10.24% APR.
How much can you borrow via Splash Financial Student Loan Refinance?
Loan amounts start at $5,000 and go up to $1,000,000
Does Splash Financial Student Loan Refinance charge an origination fee?
No, Splash Financial 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 Splash Financial Student Loan Refinance charge prepayment fees?
No, Splash Financial 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 Splash Financial Student Loan Refinance offer?
Splash Financial Student Loan Refinance provides refinancing loans of 5 to 25 years.
What type of borrowers will Splash Financial Student Loan Refinance consider?
Splash Financial Student Loan Refinance considers loans applications from:
What do you need to qualify for Splash Financial Student Loan Refinance?
Applicants with a credit score of at least 640 and up to 850 may be eligible for Splash Financial Student Loan Refinance. Splash Financial Student Loan Refinance does not have or does not disclose a minimum annual income eligibility requirement.
U.S. citizens and permanent resident / green card holders are eligible to apply for the services offered by Splash Financial Student Loan Refinance.
To qualify, applicants may need to provide the following documentation:
- Loan payoff statements
- Recent pay stubs
- Proof of income
- Driver's license or other government photo ID
- Proof of identity
- Proof of citizenship or residence permit
What is the estimated funding time for a student loan refinance via Splash Financial Student Loan Refinance?
Splash Financial Student Loan Refinance will typically fund loans within 3 and 14 days of approval.
Splash Financial Student Loan Refinance Disclosure: Disclaimer:
Terms and Conditions apply. Splash reserves the right to modify or discontinue products and benefits at any time without notice. Products may not be available in all states. Rates and terms are subject to change at any point prior to application submission. The information you provide is an inquiry to determine whether Splash’s lending partners can make you a loan offer. To qualify, a borrower must be a U.S. citizen or other eligible status and meet lender underwriting requirements. Lowest rates are reserved for the highest qualified borrowers and may require an autopay discount of 0.25%. Splash does not guarantee that you will receive any loan offers or that your loan application will be approved. If approved, your actual rate will be within a range of rates and will depend on a variety of factors, including term of loan, creditworthiness, income and other factors. You should review the benefits of your federal student loan; it may offer specific benefits that a private refinance/consolidation loan may not offer. If you work in the public sector, are in the military or taking advantage of a federal department of relief program, such as income-based repayment or public service forgiveness, you may not want to refinance, as these benefits do not transfer to private refinance/consolidation loans.
Fixed APR: Annual Percentage Rate (APR) is the cost of credit calculating the interest rate, loan amount, repayment term and the timing of payments.
Variable rates are derived by adding a margin to the 30-day average SOFR index, published two business days preceding such calendar month, rounded up to the nearest one hundredth of one percent (0.01% or 0.0001).
Autopay Disclosure
The rates displayed include a 0.25% autopay discount.
Payment Disclosure
Fixed loans feature repayment terms of 5 to 20 years. For example, the monthly payment for a sample $10,000 with an APR of 5.47% for a 12-year term would be $94.86. Variable loans feature repayment terms of 5 to 25 years. For example, the monthly payment for a sample $10,000 with an APR of 5.90% for a 15-year term would be $83.85.
Splash Financial, Inc. (NMLS #1630038), licensed by the DFPI under California Financing Law, license # 60DBO-102545
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.
Message from Splash Financial
Message from our editor
What We Love About Splash Financial
Splash Financial is a student loan refinancing company that helps students refinance their loans online. There’s a lot to love about the company and what they offer. Splash Financial provides competitive interest rates, both fixed and variable. It has a range of loan terms, and the online application and loan management makes the process simple.
What Splash Financial Could Do Better
There are no established forbearance or deferment policies in place. Additionally, some may have trouble qualifying for the service, which can be disheartening. To qualify for refinancing through the company, you’ll need to meet the annual income and credit score requirements, for example.
Splash Financial’s Backstory
The company launched in 2013, and it was created when the founders say that their friends and family were struggling with student loan debt. They wanted to find a better way to provide refinancing for students and to make the process as easy as possible for those who qualify. They’ve become one of the top companies in the field when it comes to refinancing student loans.
The Verdict
Splash Financial has an excellent reputation in the field and many benefits that make them a solid choice. You can get a quote easily and quickly online, so you should certainly check out what they can offer. However, it’s always a good idea to check with at least two other places to ensure you’re getting the best deal.
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Learn MoreSuperMoney Net Recommendation Score
SuperMoney users strongly recommend this product, giving it a user recommendation score of +88, or 4.8 on a 5-point rating scale.
+88
-1000+100
No one recommends
Everyone recommends
Splash Financial Student Loan Refinance Community Reviews
Would you recommend Splash Financial Student Loan Refinance to your friends?
Lisa C.
Dec 1, 2022
May or may not recommend
Splash Financial could improve by:
Offering consistent policies on forbearance, co-signing loans and other features that all partner lenders must adhere to.
Allowing customers who prequalify via NerdWallet to apply with a cosigner.
Offering deferment to all borrowers who return to school.
MC
Mazhar C.
Nov 25, 2022
May or may not recommend
Make a financial splash When it comes to refinancing, student loans are great. The programme is simple to use. They embrace individuals with a variety of credentials. The most noteworthy benefit is that there is no limited number of applications you may send. This loan something i'd endorse to all.
EN
Edwin N.
Nov 20, 2022
May or may not recommend
I have no words. I rate Splash Financial Students Loan Refinance ?????.
JA
Junaid A.
Nov 17, 2022
May or may not recommend
Make a financial splash When it comes to refinancing, student loans are great. The programme is simple to use. They embrace individuals with a variety of credentials. The most noteworthy benefit is that there is no limited number of applications you may send. This loan something i'd endorse to all.
AY
Aleena Y.
Oct 17, 2022
May or may not recommend
I love the benefits of this because it can help you save money! Highly recommend. Splash financial Student Loan is ideal when you want to refinance. The application is easy to navigate. They have broad qualifications as to who they accept.
RG
Rachiel G.
Oct 16, 2022
May or may not recommend
Well, Splash Financial is highly recommended to those students that able to get a low rates. They have a good benefits that pretty sure you will gonna love it. It is very easy and smooth processing.
Line G.
Sep 2, 2022
May or may not recommend
The sign-up procedure for SplashFinancial was quite straightforward in terms of presenting financial terms in everyday language, having a quick and easy application, and having a speedy turnaround for processing and approval/rejection.
MA
Muhammad A.
Jul 28, 2022
May or may not recommend
I love the benefits of this because it can help you save money! Highly recommend.
MN
Matthew N.
Jul 28, 2022
May or may not recommend
Splash Financial Student Loan Refinance provides student loan refinancing at a lower rate to students to help them pay off their loans faster. they are my #1 refinancing solution for student loans with a low monthly payment and flexible terms
Getting approved and my funds delivered to my bank account was quick and easy
MM
Maheen M.
Jul 25, 2022
May or may not recommend
If you want to continue your education splash financial is the best option for student loans because they have flexible payment options.
I would recommend to student if you are going to start your studies in future and worried about loans then splash financial student loan refinance is here to help you out.
Highly recommended!!
TS
Tamirah S.
May 2, 2022
May or may not recommend
After graduating, I was seeking help to lower my Student Loan amount. Splash Financial Student Loan Refinance was able to get me down to a lower rate. I'm so happy.
Jeff M.
Apr 7, 2022
May or may not recommend
I would recommend this service. It really takes a load off having some assistance in dealing with the pressure of student loans. Two thumbs up!!
MP
Monika P.
Mar 10, 2022
May or may not recommend
The application is easy and splash offers student loans with fixed APR rates of 2.49 %-6.31%. The company was very easy to deal with and straight forward in their goal & good personal experience
BO
Bobmanuel O.
Feb 23, 2022
May or may not recommend
I thought the process was relatively smooth. I wish it were easier to talk to a person, not a robot, when I hit a snag in the application process and needed clarification.
U
Anonymous
Jan 31, 2022
May or may not recommend
I love the benefits of this because it can help you save money! Highly recommend.
RM
Radiance M.
Jan 8, 2022
May or may not recommend
Splash financial Student Loan is ideal when you want to refinance. The application is easy to navigate. They have broad qualifications as to who they accept. The most unique thing is that there is no maximum limit for you to apply for. I would recommend this loan to anyone.
FI
Farah I.
Jan 7, 2022
May or may not recommend
This is one of the best student loan refinance. Highly recommend it to you.
SB
Shelby B.
Nov 19, 2021
May or may not recommend
They could night find any loans for the school I am attending. In sure other people have good experiences with them, however mine was not good.
MG
Moneena G.
Nov 16, 2021
May or may not recommend
I strongly recommend this company because not only do they offer loans to all graduate and undergraduate students, but they also off these loans to parents of college students and more. The offers listed by the company are geared towards refinancing loans, which can start as low as 5,000 and increase to 1,000,000. The APR is also very low so the interest rate won't increase too high. There is also ...Show More
WS
Warda S.
Sep 28, 2021
May or may not recommend
Splash can help you to save alot of money. Affordable refinancing of my loan. Highly recommended.
Showing 20 of 33 reviews
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