Your one-stop shop for finding low student loan refinancing offers.

Shop and compare rates — including ones you can’t get anywhere else.

Check My Rate
  • Fixed rates from 4.64-9.24% APR
  • Checking your rate won’t impact your credit1
  • No refinancing fees or pre-payment penalties
  • Fast and free to check your rate

Best rates out there

Just graduated and was looking around at different lenders to refinance. Splash had the best rates by far and actually cut my rate in half! Great customer service as well, very responsive and very helpful

TrustPilot review stars
cole lagasse

December 01, 2022

Easy, quick & best rates

Experience was so easy and seamless. Recommend 10/10. Best rates as well.

TrustPilot review stars
katherine cincotta

November 30, 2022

Quick communication and provided me…

Quick communication and provided me with everything I needed to know. Very easy process for what could have been stressful.

TrustPilot review stars
stan b

November 30, 2022


TrustPilot star rating - 5

Today’s low rates

Check your rate today to see how much you could save.2

Fast and easy — the way it should be.

Don’t stress. It’s our job to make this less complicated.

  • Check your rate in minutes

    Answer a few easy questions and quickly see if you pre-qualify.

  • Weigh your options

    See the rates you pre-qualify for within our network, in one easy-to-shop view.

  • No commitments

    Checking your rate is always free, and never impacts your credit1.

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How it works

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Check your rate

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

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Submit your application

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

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Finalize your loan

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

Student Loan FAQ

How much can I borrow?

Our lenders each have their own minimum and maximum loan amounts. In general, the minimum loan amount is $5,000, and there is no maximum.

How many times can I refinance?

You can refinance your student loans as often as you’d like! We recommend refinancing if your credit improves significantly or if interest rates go down. These are signs that you could receive a loan with lower interest rates, which could help you save thousands on your student loans.

Fixed vs. variable rates

A fixed interest rate is a loan where the interest rate doesn’t fluctuate over the life of the loan. This allows the borrower to accurately predict their future payments.

A variable interest rate is a loan where the interest rate may change over the life of the loan. Variable interest rates typically change based on a reference rate.