Refinance Student Loans

The smarter way to refinance your student loans

Shop and compare loan offers from our network of lenders. It’s fast, easy, and totally free to check your rate.

Check My Rate
  • Variable rates from 2.49-11.72% APR on certain terms
  • Fixed rates from 2.59-8.74% APR on certain terms
  • Checking rates will not impact your credit score1
  • No refinancing fees or pre-payment penalties

5 * excellent

Quick, simple process. Great customer service. Very helpful start to finish

TrustPilot review stars
robert johnson

October 02, 2022


Just refinanced my student loan with Splash. Was a breeze. Great rates, streamlined service. Thank you!

TrustPilot review stars
ruth s

October 01, 2022

This was my first time refinancing my…

This was my first time refinancing my student loans and am very pleased with the result. It was a very easy process. Any questions I had were answered within minutes. I will definitely use splash financial again when I refinance my loan again in a few years (after interest rates go down).

TrustPilot review stars
selena rummel

September 28, 2022


TrustPilot star rating - 5

Check Today's Lowest Rates

To help in these unprecedented times, we worked with our lending partners to drop rates to lows on certain terms. Refinance to a low rate today and see how much you could save.2

Note: Eligibility is determined by your credit history, current loan balances, employment status, and more. Splash does not guarantee that you will receive any loan offers or that your loan application will be approved. Lowest rate available only on certain terms.

Compare rates and choose what works for you

Splash partners with banks, credit unions and other lending partners to bring you market-leading rates and benefits such as:

  • Low Rates

    Student loan refinancing variable rates start at 2.49% APR and fixed rates start at 2.59% APR on certain terms.

  • Easy Application Process

    Our seamless online experience takes the hassle out of refinancing.

  • Zero Fees

    No application fees, no origination fees, and no pre-payment penalties.

Two girls on bikes with water in the background

Refinance your student loans in 3 easy steps

Screen grab of multi option form field for question Tell us about your current job with the option I'm self-employed chosen

Easy process to check rates

Fill out a simple form that only takes a few minutes. We’ll use that information to check for offers with our lending partners.

Success screen for choosing a rate

Submit your application

After you’ve selected an offer from our network of lending partners, secure your new rate by submitting your application.

Application complete success screen

Finalize your loan

Make your life easier with one lender instead of several. Enjoy more savings2 with your new rate and one monthly payment.