Last Updated: 12/17/2025
Splash Financial Student Loan Refinance
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Last Updated: 12/17/2025
SuperMoney User Recommendation Score +88
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Splash Financial Student Loan Refinance Review
Splash Financial Student Loan Refinance FAQ
What APRs does Splash Financial Student Loan Refinance offer on its student refinancing loans?
How much can you borrow via Splash Financial Student Loan Refinance?
Does Splash Financial Student Loan Refinance charge an origination fee?
Does Splash Financial Student Loan Refinance charge prepayment fees?
What terms does Splash Financial Student Loan Refinance offer?
What type of borrowers will Splash Financial Student Loan Refinance consider?
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.- 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 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
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