Splash Financial Student Loan Refinancing Review

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Contributor, Benzinga
January 28, 2022
Splash Financial Student Loan Refinancing
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Splash Financial is an online lending platform where borrowers can find, compare and apply for personal loans and student loan refinancing at record speeds.

The company’s marketplace makes it easy to compare multiple financing options all at once and select the best fit. Splash Financial combines the best of wide credit coverage, competitive rates and an excellent user experience.

Splash Financial works with an extensive network of lenders that offer financing products to U.S. borrowers. If you qualify, Splash Financial could be a positive option to meet your needs for affordable student loan refinancing.*

Splash’s technology matches borrowers with credit unions, banks and other types of lenders. Best of all, users can access deals and rates that may not be available anywhere else.

Splash was founded in 2013 and has since established over 100,000 accounts and processed over $6 billion in student loan refinancing requests. The company is based in Cleveland, Ohio.

Best For
  • College graduates struggling with student loans
  • Adults with advanced graduate degrees, especially in the medical field
  • Comparing student loan refinancing loans
  • Borrowers with a minimum credit score of 640
  • Dedicated account representative
  • Can see whether you qualify for financing and potential rates without a hard credit pull**
  • Fast funding
  • Ability to review multiple offers at once
  • Exclusive interest rates
  • No prepayment penalties or refinancing fees
  • Forbearance and death discharge not always available
  • May require credit union sign up
  • Most offers only available to borrowers with good credit

Splash Financial Student Loan Refinancing Ratings at a Glance

Apply to Refinance With Splash Financial

Splash Financial offers an online marketplace for users to take advantage of a fast, seamless funding process. Interest rates start at 1.74% variable APR, and student loan borrowers never have to worry about refinancing fees or pre-payment penalties. Best of all, Splash Financial makes financing easily accessible through a straightforward and intuitive user interface.

Student Loan Refinancing Application Process

Splash Financial’s loan application process is as simple as can be. Signing up can be done entirely online and from the comfort of your own home. Start by answering a few questions so Splash can point you in the right direction. Afterward, if you qualify, you’ll be connected with refinancing offers from multiple lenders. From there, you can review your qualification status, refinancing offers and interest rates without a hard credit pull. 

Once you find the offer that suits you best, you can apply and finalize the deal. You’ll also be able to select your preferred funding amount without ever worrying about refinancing fees or pre-payment penalties. 

Funding works incredibly fast. Use it to turn your student debt into a more manageable, simplified monthly payment.

Student Loan Refinancing Customer Service

Splash Financial’s customers have numerous ways to get in touch with support for help or to answer any questions. You can visit Splash’s dedicated FAQ page for answers to common questions or opt to send an email. There’s also a live chat option available straight on the website. Users looking for more direct access will be particularly pleased to learn that Splash customer service representatives are available by phone from 9 a.m. to 9 p.m. EST Monday through Friday. The company also maintains an active social media page and lists its mailing address right on the website.

Student Loan Refinancing Pricing

Splash Financial does not charge refinancing fees or prepayment penalties. Pricing varies according to different lending products, and the type of interest rates and terms you’ll receive depend largely on your credit score, income level and other financial metrics.

Student Loan Refinancing User Benefits

Splash Financial offers a number of user benefits. Most significantly, the platform allows borrowers to compare and contrast different financing offers quickly and easily through a single interface. Users also have the freedom to select the rates and terms that work best for them. 

Splash also offers the opportunity to access affordable refinancing solutions. Some users have been able to change their terms, receive lower rates and swap out their current debt for more manageable monthly payments. 

The application process is incredibly easy and straightforward. Users can also review the interest rates they qualify for quickly and some receive same-day application approval. 

Splash compiles interest rates and loan offers from numerous different lenders personalized to your qualifications. Plus, you’ll access all of this within a simplified, intuitive interface. There’s no better way to review rates, qualification status and select a lending product.

Student Loan Refinancing User Experience

Splash Financial delivers a seamless user experience through its easy-to-navigate website. Its product page contains information on multiple financing options, including student loan refinancing, medical student loan refinancing, in-school student loans and personal loans. 

The specific deals each borrower qualifies for will depend on their own unique financial situation. For the best Student Loan refinance approval odds, you’ll need to show:

  • Good credit
  • A minimum of at least $30,000 in annual income 
  • Maximum debt-to-income ratio of 65%, although some lenders may offer flexibility 
  • Minimum of an associate degree from a school authorized to receive federal aid 
  • U.S. citizen or permanent resident


Splash Financial is a solid choice if you’re looking for an easy-to-use online marketplace where you can compare student loanrefinancing offers. Nevertheless, it’s not the only platform of its kind. Here’s how Splash Financial compares to similar websites

Splash Financial Student Loan Refinancing Overall

Splash Financial makes it easy for borrowers to compare multiple student loan refinance offers from a single platform. The website is intuitive, easy to navigate and convenient to use. Most importantly, there’s no need to apply to multiple lenders at a time since Splash Financial compiles the personalized offers you may qualify for onto one interface. 

Borrowers should anticipate variations in the types of refinancing offers they receive based on their own unique credit scores and financial situation. At a minimum, borrowers will need at least a credit score of 640. 

Nevertheless, Splash Financial is a great platform for borrowers looking to compare student loan refinancing solutions quickly and easily.

Splash Financial Tutorial

Frequently Asked Questions


What does it mean to refinance a student loan?


Refinancing a student loan means exchanging your current student loans for a new loan, potentially at a lower interest rate.


How can you consolidate student loans?


You can consolidate student loans by taking out a new loan to pay off your existing debt and transferring your debt to a newer, often more manageable payment. 

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