Student loans

Take control of those student loans

A lower interest rate? A lower monthly payment? See what you could save through student loan refinancing.

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Rates start at 4.99% Fixed APR*

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Checking rates won’t impact your credit1

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

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When you refinance a federal loan through Splash, you could lose access to potential benefits like one-time forgiveness, waiver of interest or public service forgiveness. Please carefully consider these factors before you refinance.

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Check Splash's lowest rates

We work with our lending partners to deliver rates that fit your needs. How much could you save?2

With rates from 4.99-9.99% Fixed APR* and 5.28-9.99% Variable APR*.

Variable

5.28

%
APR*†

FIXED

4.99

%
APR*†
Excellent
TrustPilot star rating - 5
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THROW YOUR OLD LOANS STRAIGHT INTO THE SUN

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

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Great rates

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

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Easy application process

Our automated process guides you every step of the way.

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Zero fees

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

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We won't sell your data

Your sensitive information stays between us.

IT'S lITERALLY This Easy

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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.

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Get refinanced

If approved, we'll pay off all your old student loans. Then, you'll get a new loan with a single monthly payment. Easy!

Ready to get started?

Student Loan Refinancing FAQ