Splash financial
See disclaimers at: https://www.splashfinancial.com/disclaimers/
Splash Financial, Inc. (NMLS #1630038), licensed by the DFPI under the California Financing Law, license #60DBO-102545
General terms and conditions apply. Splash reserves the right to change or discontinue products and benefits at any time without notice. Products may not be available in all states. Rates and terms are subject to change at any time prior to application submission. The information you provide is an investigation to determine whether Splash’s lending partners can make you a loan offer. To qualify, a borrower must be a U.S. citizen or other eligible status and meet the lender’s underwriting requirements. The lowest rates are reserved for the most qualified borrowers and may require a 0.25% autopay discount. Splash does not guarantee that you will receive a loan offer or that your loan application will be approved. If approved, your actual rate will be within a range of rates and depend on several factors, including loan term, creditworthiness, income and other factors. This information is current as of January 8, 2026. You should review the benefits of your federal student loan; it can provide specific benefits that a private refinance/consolidation loan may not. If you work in the public sector, are in the military, or benefit from a federal department assistance program such as income-based repayment or public service loan forgiveness, you may not want to refinance because these benefits do not transfer to private refinance/consolidation loans.
Autopay discount. The rates listed include a 0.25% discount on autopay.
Annual Percentage Rate (APR) is the cost of credit that calculates the interest, loan amount, repayment term, and timing of payments. Fixed APR options range from 4.96% (with autopay) to 11.24% (without autopay). Variable APR options range from 4.99% (with autopay) to 11.14% (without autopay). Variable rates are derived by adding a margin to the 30-day average SOFR index, published two business days prior to such calendar month, rounded to the nearest hundredth of one percent (0.01% or 0.0001).
Payment disclosure. Fixed loans have a repayment term of 5 to 20 years. For example, the monthly payment for an example of $10,000 with an APR of 5.47% for a 12-year term would be $94.86. Variable loans have a repayment term of 5 to 25 years. For example, the monthly payment for a $10,000 example with a 5.90% APR for a 15-year term would be $83.85.
Bonus reveal. General terms and conditions apply. The offer is subject to lender approval. To receive the offer, you must: (1) refinance more than $50,000, $100,000, or $200,000 in student loans, depending on the channel partner offering the bonus offer (2) register and/or apply using the referral link provided to you; (3) submit a loan application to Splash Financial; (4) have and provide a valid US address to receive the bonus; (5) and meet Splash Financial’s acceptance criteria. Once the conditions are met and the loan is disbursed, you will receive your welcome bonus via check to the address you provided within 90-120 calendar days. Bonuses that are not redeemed within 180 calendar days from the date they are made available to the recipient may be forfeited. Bonus amounts of $600 or more in one calendar year may be reported to the Internal Revenue Service (IRS) as miscellaneous income to the recipient on Form 1099-MISC in the year received, as required by applicable law. Recipient is responsible for any applicable federal, state or local taxes associated with receiving the bonus offer; consult your tax advisor to determine applicable tax consequences. Splash reserves the right to modify or terminate the offer at any time, with or without notice. Bonus offer is for new customers only.
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