Splash Financial Review

BySally HerigstadJan. 17, 2021

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In a Nutshell

Splash Financial is a student loan refinance company whose sole focus is student loan refinancing. Splash works as a loan refinancing marketplace. After you apply with Splash, you choose the bank or credit union lending partner that offers you the rate and terms that work for you.


  • Compare rates from multiple lenders
  • Fast, seamless online loan application
  • No application or origination fees


  • Not a direct loan provider
APRFrom 1.89%
Loan TypesFixed and variable rate loans
Refinance amount$5,000+
Repayment termsVariable rate: 5-25 years
Fixed rate: 5-20 years
Minimum credit score680+
Suitable forBorrowers with higher interest rate loans who want to compare rates from multiple lenders

Splash Financial Splash Financial View Rates

Suitable For?

Splash Financial is suitable for borrowers with good credit scores who want to shop different lenders and reduce the interest rate they are paying on their current student loans. Some borrowers with federally held loans may choose not to refinance in order to remain eligible for benefits applicable to federally held loans.

Loan Features

Splash Financial offers loans with the following features:

  • Fixed-rate APRs from 2.63%
  • Variable-rate APRs from 1.89%
  • Student loan refinancing from $5,000 and up

The Application Process

Take the following steps to refinance your student loans through Splash Financial:

  1. Get your rate estimate. Answer a few questions, and see offers from their network of lending partners.
  2. Submit your application. Choose the rate and lender you want to work with, and secure your rate.
  3. Finalize your loan online.

Loan Eligibility Requirements

The lending partners on Splash Financial generally require the following:

  • Meeting minimum financial standards, such as income and credit score.
  • Graduation from an associate’s or four-year degree or higher, or applicants in the final term of their program at a Title IV eligible school who have an offer of employment in certain medical fields in which they will receive the degree.
  • U.S. citizenship, or for some lending partners, permanent residency status.

Repayment Terms

With Splash Financial, variable loan rates start as low as 1.89%, with a loan term of 5-25 years. Splash’s fixed rate loans start at 2.63%, have a loan term of 5-20 years.

How Safe Is It?

Splash Financial takes the following measures to protect your security:

  • Industry standard security. Splash uses secure servers, and any partner they work with is also required to keep your information safe.
  • SSL Verification. Splash’s verified SSL means they have met some of the industry’s highest standards for identity assurance.
  • SSL Encryption. With SSL Encryption, your sensitive data is safely transferred between your browser and the Splash website.
  • Account safeguards. They use authentication and ID verification to prevent unauthorized access.

Help & Support

Phone Number:  1-(800)-349-3938. Phone support is available Monday - Friday, 9:00 AM to 9:00 PM ET.

You can also chat online with a Splash financial representative, anytime. 


Splash Financial brings together multiple lending partners to find you lower interest rates by refinancing your student loans. It’s fast and easy to apply online and see offers in minutes. With variable rates starting at 1.89% and fixed rates from 2.63%, you may be able to save on interest payments. Splash never charges application fees or origination fees, and there are no prepayment penalties if you want to pay off your loan sooner.

Physical Address

812 Huron Rd. E.

Suite 350

Cleveland, OH 44115

Splash Financial Splash Financial View Rates

Splash Financial customer testimonials

ExcellentReviews 189
TrustPilot is the world’s most powerful review platform, free and open to all.
  • author
    21042 kl
    19 hours ago
    Ran into questions during filing and…

    Ran into questions during filing and staff was able to direct and trouble shoot the issues I ran into for a smooth experience.


  • author
    2 days ago
    Super easy process

    Super easy process


  • author
    jaspreet gosal
    3 days ago
    Best interest rates and quick process

    Best interest rates and quick process My interest rates went from 10% to 3% just like that and it was the easiest process


  • author
    Joy C.
    Apr 13, 2021
    Overall a great experience

    Overall a great experience. I would have rated as excellent, but I had a few technical issues with the system. However, the online chat feature was excellent and all my questions were answered quickly. They explained what happens next and so far so could with the lender. Also before I made my final terms selection the system refreshed the rates and I was able to get a better rate...that feature is an excellent feature.


  • author
    Apr 13, 2021
    Quick and easy refi

    Quick and easy refi. Went from 5.3 to 3.5.


Splash Financial