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 1.89-11.82% APR on certain terms
  • Fixed rates from 2.59-8.44% APR on certain terms
  • Checking rates will not impact your credit score1
  • No refinancing fees or pre-payment penalties

Fast response.

Fast response.

TrustPilot review stars
carlos manzanares

August 05, 2022

Experience was outstanding

Experience was outstanding, The whole process was clear from start to finish, very easy to navigate and best of all, they got me best rate possible for sure, trust me I checked rates around

TrustPilot review stars
nicolas martinez

August 03, 2022

10/10 Experience!

This entire process was so simple! My private student loans have been so difficult to manage through my prior loan-provider because I was unable to consolidate them, and with the variable interest, I never know what I would owe each month. Getting all of my loans consolidated into one, with an awesome fixed interest rate, is such a relief. Not to mention, the entire application process and uploading supporting documents was foolproof!

TrustPilot review stars
chelsea o'leary

July 31, 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 1.89% 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.