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Splash Financial is designed for borrowers who want to compare personal loans, student loan refinancing, and HELOC offers. This online marketplace checks for offers at a network of lenders to bring you competitive rates. Splash Financial is also a good option for borrowers who want to take out a large personal loan, as some of the lenders it works with offer loans up to $50,000.
Splash Financial helps you find offers for personal loans, student loans, refinancing, and HELOCs. Splash Financial doesn't offer any loans itself, but rather works with a network of banks, credit unions, and online lenders to bring you competitive rates.
You can check loan rates on Splash Financial's website. The process takes less than 3 minutes, and you can see your pre-qualified offer online without speaking to a loan officer.
To get started, you’ll need to answer a few questions about how much you want to borrow and what you plan to use the money for. Splash Financial also asks for your employment status, income, address, and birthdate. Finally, the company runs a soft credit check—which won’t impact your credit score¹—to find you a loan offer.
If you decide to proceed with an offer, Splash Financial will pre-fill your application to simplify the process. After loan approval, you'll receive funding in as little as one business day.³
Splash Financial helps you find personal loans ranging in size from $3,000 - $50,000. You can be offered a repayment term of 2-5 years² and interest rates ranging from APR: 10.24% - 26.39% APR.
Splash Financial uses SSL encryption to protect your application information. The company also uses multi-factor authentication and ID verification to protect your online account and prevent identity fraud.
Splash Financial offers customer support 9 AM-9 PM (ET) Monday-Friday. The company also has an online FAQs page with more information about the loans it offers.
Phone: (800) 349-3938
Email: contact@splashfinancial.com
Splash Financial | LightStream | Upstart | |
|---|---|---|---|
APR | APR: 10.24% - 26.39% | 4.49%-20.49% | 5.38%-35.99% |
Minimum credit score | 680 | 660 | `None |
Loan amounts | $3,000-$50,000 | $5,000-$100,000 | $1,000-$50,000 |
Loan term | 2-5 years² | 2-7 years | 3-5 years |
Suitable for | Borrowers who want a range of available loan offers | Borrowers who want lower monthly payments | Borrowers with poor or no credit history |
Splash Financial offers personal loans that are comparable to those from LightStream and Upstart. Splash Financial’s lowest interest rates are slightly higher than those at LightStream, but they may be able to provide offers to more borrowers since you can qualify for a loan with a 680 credit score. Upstart offers higher rates and a lower maximum loan amount, but it serves borrowers without a credit history.
Q. How long does it take to get a personal loan with Splash Financial?
Lenders can deposit funds into your account in as little as one business day³ after you sign your final loan documents.
Q. Does checking my rate impact my credit score?
Splash Financial runs a soft credit check that won’t impact your credit score¹ when you check your loan rates.
Q. Does Splash Financial charge fees?
Splash Financial is completely free to use. The lender may charge an origination fee, but this will be disclosed and included in the APR calculation for any qualified loan offers you choose.
Q. Can I pay off my personal loan early?
Many lenders in Splash’s network do not charge prepayment penalties, which means you can pay off your loan early and save on interest. Be sure to review your loan terms carefully.
Splash Financial is an online marketplace that can help you find a personal loan, student loan refinancing, or HELOC. The platform offers competitive rates for personal loans ranging from APR: 10.24% - 26.39% APR. Splash Financial makes it easy to check your loan offer online, and you can get funds in your bank account in as little as one business day³ after loan origination.
Splash Financial, 812 Huron Rd E Ste 350, Cleveland, OH 44115
Splash Financial, Inc. (NMLS # 1630038) Terms and conditions apply. Products may not be available in all states. The information you provide to us is an inquiry to determine whether Splash’s lending partners can make you a loan offer, but it does not guarantee you will receive any loan offers. Splash marketplace offers rates between 10.24% to 26.39% APR. Rates are subject to change without notice. Not all applicants qualify for the lowest rate.
The lowest rates are reserved for the most creditworthy applicants and depend on credit score, loan term, and other factors. Personal loans offered through Splash may have an origination fee up to 7.49% which may be deducted from the loan proceeds.
Lowest rates may require AutoPay and may require paying off a portion of existing debt directly. The AutoPay discount requires you to agree to make monthly principal and interest payments by an automatic monthly deduction from a savings or checking account. The AutoPay discount will not be applied if AutoPay is not in effect. See the loan agreement for details.
Personal loans are solely for personal, family, or household purposes and may not be used to purchase or refinance real estate, securities, or other investments. Personal loans may not be used for business purposes, to finance post-secondary education expenses, for short-term bridge financing, or for any illegal purpose.
¹ To check the rates and terms you qualify for, Splash Financial conducts a soft credit pull that will not affect your credit score. However, if you choose a product and continue your application, the lender will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit pull and may affect your credit.
²Loans feature repayment terms of 24 to 60 months. For example, if you receive a $10,000 loan with a 36-month term and a 17.98% APR (which includes a 14.32% yearly interest rate and a 5% one-time origination fee), you would receive $9,500 in your account and would have a required monthly payment of $343.33.
³ Once you have successfully completed the loan application process, it typically takes one to two business days to receive funds. However, funding may take up to two weeks.
Michael Graw is a personal finance expert at BestMoney.com, specializing in online banking and insurance. His work has appeared in print magazines and on high-impact websites. With a passion for clarity and practicality, Michael helps readers navigate today’s financial landscape.
