Whether you’re new to the debt snowball or a total pro, a lower interest rate from Splash
may help you get out of debt faster or save money over the life of your loan. Our mission
aligns with Dave’s principles - to save people money on their student loans.
Our lowest rates
To help in these unprecedented times, we worked with our lending partners to drop rates to historic lows.
Refinance to a new low rate today to lock in savings for the life of your loan.2
Splash partners with banks, credit unions, and other lenders to
bring you market-leading rates. In fact, many of the rates you'll find
on Splash aren't available anywhere else. This allows us to offer
amazing benefits such as:
Variable rates start at
and Fixed rates start at 2.80% APR.
Easy Application Process
Our seamless online experience takes the hassle out of refinancing.
No application fees, no origination fees, and no pre-payment penalties.
Terms and Conditions apply. Splash reserves the right to modify or discontinue products and benefits
any time without notice. Rates and terms are also subject to change at any time without notice.
are subject to credit approval. To qualify, a borrower must be a U.S. citizen or permanent resident
an eligible state and meet applicable underwriting requirements. Not all borrowers receive the
Lowest rates are reserved for the highest qualified borrowers. If approved, your actual rate will be
within a range of rates and will depend on a variety of factors, including term of loan, a
financial history, income and other factors. Refinancing or consolidating private and federal
loans may not be the right decision for everyone. Federal loans carry special benefits not available
loans made through Splash Financial, for example, public service loan forgiveness and economic
programs, fee waivers and rebates on the principal, which may not be accessible to you after you
The information you provide to us is an inquiry to determine whether
we or our lenders can make a loan offer that meets your needs.
Not all information is required by all lending partners were you to
submit an application directly on their website.
If we or any of our lending partners has an available loan offer for
you, you will be invited to submit a loan application to the lender for
We do not guarantee that you will receive any loan offers or that your
loan application will be approved.
Offers are subject to credit approval and are available only to U.S.
citizens or permanent residents who meet applicable underwriting
Not all borrowers will receive the lowest rates, which are available to
the most qualified borrowers.
Participating lenders, rates and terms are subject to change at any time
* Example savings of thousands over the life of your loan is a hypothetical savings
amount that assumes same or shorter loan terms and/or interest rates on your refinance, and may
not be representative of your situation. Your actual savings, if any, may vary based on interest
rates, balances, remaining repayment terms and other factors.
1 To check the rates and terms you qualify for, Splash Financial conducts a soft credit
pull that will not affect your credit score. However, if you choose a product and continue your
application, the lender will request your full credit report from one or more consumer reporting
agencies, which is considered a hard credit pull and may affect your credit.
2 Savings over the life of your loan assumes same or shorter loan terms and/or
interest rates on your refinance, and may not be representative of your situation.
Actual savings, if any, may vary based on interest rates, balances, remaining repayment of
terms and other factors.
† The rates displayed include a 0.25% autopay discount.
Splash Financial, Inc. (NMLS #1630038), NMLS
Consumer Access. Splash® is a registered trademark of Splash Financial, Inc.