Frequently Asked Questions

Terms and Conditions apply. Splash reserves the right to modify or discontinue products and benefits at any time without notice. Participating lenders, rates and terms are also subject to change at any time without notice. The information you provide to us is an inquiry to determine whether we or Splash’s lending partners can make you a loan offer. Some lending partners may require less information if you submit an application directly on their website. If Splash, 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 its review. Please be advised that a lending partner who has an available loan offer for you may conduct another soft credit pull as part of its application review process.

To qualify, a borrower must be a U.S. citizen or other eligible status and meet lender underwriting requirements. A co-signer may be required. The borrower is required to meet applicable underwriting requirements based on specific lender criteria. Not all borrowers receive the lowest rate as advertised. Lowest rates are reserved for the highest qualified borrowers. 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, a responsible financial history, income and other factors. Variable rates subject to change.

If you are interested in refinancing your student loans, please note the following:
Refinancing or consolidating private and federal student loans may not be the right decision for everyone. Federal student loans carry special benefits. If you refinance a federal student loan with Splash Financial, you will no longer be eligible for those benefits such as a COVID-19 temporary interest rate of 0% until 05/01/2022, public service loan forgiveness, and economic hardship programs, fee waivers and rebates on the principal.

Note: Medical student refinance loans are available only to borrowers who are currently in a residency or fellowship program.

If you are interested in a student loan while you are in school, please note the following:
Before obtaining a private student loan through Splash, you should review all of your options for a federal student loan. Many federal loans have special benefits and payment options that are not available for private loans that are made through Splash Financial. Your school does not endorse Splash Financial or its lending partners and neither Splash Financial nor its lending partners are affiliated with your school.

If you are interested in a personal loan, please note the following:
Personal loans are solely for personal, family, or household purposes and are not permitted to be used to purchase or refinance the purchase of real estate, securities or other investments. Personal loans may not be used for business purposes, to finance post-secondary education expenses, for short-term bridge financing or any illegal purpose.

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. Equal Housing Lender
Splash Financial, Inc. is licensed by the Department of Financial Protection & Innovation under the California Financing Law, license number 60DBO-102545
Splash® is a registered trademark of Splash Financial, Inc.