Refinance Student Loan Rates in New York State

Make an educated decision on How to refinance your student loans

Shop and compare student loan rates for borrowers in NYC, Buffalo, Ithaca, and everywhere in between. No commitments, no fees, and no impact on your credit score1. It’s fast, easy, and totally free to check your rate. You may be able to find local financing in New York, or you can check out the various lower rates from our financing partners from around the country.

Rates start at 5.19% fixed APR

Checking rates won’t impact your credit1

See if you’re pre-qualified in 3 minutes or less

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today’s NYC student loan refi rates

We work with our lending partners to deliver great low rates. How much could you 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.






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We shop and compare rates from top lenders

We help qualified borrowers pay off their old student loans, and refinance on their terms

Low rates

We did the rate shopping for you, providing great rates from across our network of top lenders.

Easy application process

Our automated process guides you every step of the way.

Zero fees

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

We’ll spare you the spam

You’ll only hear from us with great offers and updates you’ll care about.


Check your rate

Answer some questions. If you qualify, you’ll browse refinancing offers across our network of lenders.

Choose your loan

Select an offer, then apply. We’ll guide you every step of the way.

Get refinanced

We’ll pay off all your old student loans, then bring you a new one with a single monthly payment. Easy!

Check your rate