Welcome friends of OSMA

Put us to work on those student loans

Check My Rate
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    Variable rates from 4.47-8.99% APR on certain terms

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    Fixed rates from 4.47-8.99% APR on certain terms

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    Checking rates will not impact your credit score1

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    No refinancing fees or pre-payment penalties

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It was quick and easy

It was quick and easy. Got approved the next day.

TrustPilot review stars

lizbeth torres
January 25, 2023

Great customer service!

I was responded to quickly and with helpful and relevant information. I did not know much about student loans or refinancing but all of the individuals I spoke with were kind and helpful.

TrustPilot review stars

alexa reinke
January 24, 2023

Being Financial Responsible

I knew that I needed to consolidate all of my student loans to make them more manageable. I did a lot of research before choosing a company. Splash Financial helped me get this done with a very easy process. The rate they quoted was low; the payments manageable; and my questions were answered expeditiously. I'm extremely critical and cautious when it comes to my finances and they made this so easy and so easy to understand. There was no origination fees or anything of that nature. This company is a must try.

TrustPilot review stars

January 23, 2023

TrustPilot star rating - 5
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Welcome to Splash Financial

Get a $500 bonus for refinancing at least $30k through Splash.*

Check My Rate

Check today’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 4.47-8.99% Fixed APR and 4.47-8.99% Variable APR†.








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 top 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.



Check your rate

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

choose a loan

Choose your loan

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

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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