U-fi is a student loans lender based in Lincoln, NE. It was founded in 2015 and offers student loan refinancing in states around the country.

What are U-fi’s student loan refinancing rates?

U-fi offers variable rate APRs that range from 2.77% to 8.62%.
U-fi offers fixed rate APRs that range from 4.74% to 8.24% APR.

What is the minimum student loan amount you can refinance?

U-fi requires borrowers to have a balance of at least $1000 to process a student loan refinance application.

Does U-fi charge an origination fee?

No, U-fi does not charge a loan origination fee.

What terms does U-fi offer?

U-fi providers refinancing loans of 5 to 25 years.

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

What is the estimated funding time for a U-fi loan?

U-fi will typically fund a student loan refinance within 1 to 2 weeks.

What type of borrowers will U-fi consider?

U-fi considers loans applications from:

- undergraduate students
- graduate students


  • Loan Term (Years)
    5 - 25
  • Min Loan
  • Variable APR (Refinancing)
    2.77% - 8.62%
  • Fixed APR (Refinancing)
    4.74% - 8.24%
  • Cosigner Optional
  • Undergraduate Students
  • Graduate Students
  • Parents of Dependent
  • Grace Period / Deferred Interest
  • No Origination Fee
  • Student Loan Type
    • Private
    • Refinance
  • Funding Time
    1-2 weeks
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