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 your credit score1. It’s fast, easy, and totally free to check your rate. You maybe 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.

Check My Rate
  • Variable rates from 2.50-8.99% APR on certain terms
  • Fixed rates from 4.64-9.24% APR on certain terms
  • Checking rates will not impact your credit score1
  • No refinancing fees or pre-payment penalties

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

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cole lagasse

December 01, 2022

Easy, quick & best rates

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

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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.

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stan b

November 30, 2022


TrustPilot star rating - 5

Today’s NYC student loan refi 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.

Check My Rate

Fast and easy refinancing process for students.

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

  • Compare rates and save time

    Our marketplace lets you see rates from multiple lenders and pick the loan that works best for you.

  • Choose your amount

    Decide which dollar amount you need, apply, and you could save money by refinancing to a lower rate.

  • Enjoy a single monthly payment

    Make things easy with one, affordable monthly payment and use your funds to finance tuition or other school related expenses.

Student Loan Refinancing in New York

How to refinance student loans in New York with 3 easy steps

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1. 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.

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2. Submit your application

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

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3. Finalize your loan

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

New York Student Loan Refinance FAQ

How many months can you refinance a student loan?

The answer depends on the amount you borrowed. But most lenders offer very flexible terms. Splash Financial partners usually offer terms of repayment from 5 to 25 years. The rate of refinancing will depend on the borrowers credit.

Does refinancing student loan hurt your credit?

The answer to whether refinancing hurts your credit score depends on your situation. Just because you can refinance your student loans multiple times does not mean you should. Refinancing multiple times within a short period of time could have a negative impact on your credit score. Checking what interest rate is available via Splash Financial will not damage your credit score1.

Should you consolidate student loans during COVID?

The answer to this question depends on your situation. During the COVID pandemic we have seen rates aimed at helping students who to refinance their high interest loans. At Splash Financial, our lending partners are usually smaller banks and credit unions which can offer lower, more competitive rates than larger, national banks.