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Student Loan Refinancing
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Last Updated: 12/17/2025

Splash Financial Student Loan Refinance

in Student Loan Refinancing from Splash Financial, Inc.

Last Updated: 12/17/2025

Splash Financial, Inc. logo
Strongly recommended33 total votes
30 users recommend
2 users are unsure
1 users don't recommend
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Compare student loan refinancing offers from Splash Financial Student Loan Refinance and their competitors.

Compare student loan refinancing offers from Splash Financial Student Loan Refinance and their competitors.

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Discover your lowest eligible rate in minutes.

See how much you qualify for and what your monthly payment will be.

See how much you qualify for and what your monthly payment will be.

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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

33

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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.

    Splash Financial, Inc. logo

    Message from Splash Financial

    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.
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    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.

    Contact

    Headquarters

    812 Huron Rd. E, Suite 350
    Clevelend, OH 44115
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