Splash Finance
See disclaimer at: https://www.splashfinancial.com/disclaimers/
Splash Financial, Inc. (NMLS #1630038), licensed by DFPI under California Finance Law, License No. 60DBO-102545
Terms and conditions apply. Splash reserves the right to modify or discontinue products and features at any time without prior notice. Products may not be available in all states. Prices and terms are subject to change at any time before placing your order. The information you provide is an inquiry to determine whether Splash Lending Partners can make you a loan offer. To qualify, a borrower must be a US citizen or other qualifying status and meet the lender’s underwriting requirements. The lowest rates are reserved for the most highly qualified borrowers and may require an auto payment discount of 0.25%. Splash does not guarantee that you will receive any loan offers or that your loan application will be approved. If approved, your actual rate will be within a range of rates and will depend on a variety of factors, including the term of the loan, creditworthiness, income, and other factors. This information is current as of October 23, 2025. You should review your federal student loan interest; May offer specific benefits that a private refinance/consolidation loan may not. If you work in the public sector, the military or take advantage of an FAA relief program, such as income-based repayment or the Public Service Exemption, you may not want to refinance, because these benefits do not transfer to private refinance/consolidation loans.
Automatic payment discount. Prices listed include a 0.25% auto payment discount.
The annual percentage rate (APR) is the cost of credit that calculates the interest rate, loan amount, repayment term, and timing of payments. Fixed APR options range from 4.96% (with automatic payment) to 11.24% (without automatic payment). Variable APR options range from 4.99% (with automatic payment) to 11.14% (without automatic payment). Variable rates are derived by adding a margin to the 30-day average SOFR index, published two business days prior to that calendar month, rounded to the nearest one-hundredth of one percent (0.01% or 0.0001).
Payment disclosure. Fixed loans have repayment periods ranging from 5 to 20 years. For example, a sample monthly payment of $10,000 with an annual interest rate of 5.47% for 12 years would be $94.86. Variable loans have repayment periods ranging from 5 to 25 years. For example, the monthly payment for a sample of $10,000 at an APR of 5.90% for 15 years would be $83.85.
Reward disclosure. Terms and conditions apply. Offer subject to lender approval. To receive the offer, you must: (1) refinance over $50,000, $100,000, or $200,000 in student loans depending on the channel partner offering the bonus offer (2) register and/or apply through the referral link you have been given; (3) complete a loan application from Splash Financial; (4) you have and provide a valid US address to receive the reward; (5) and meet Splash Financial’s underwriting standards. Once the conditions are met and the loan is disbursed, you will receive your welcome bonus via check to your provided address within 90-120 calendar days. Rewards not redeemed within 180 calendar days from the date they are made available to the recipient may be subject to forfeiture. 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. The recipient is responsible for any applicable federal, state or local taxes associated with receiving the reward offer; Consult your tax advisor to determine applicable tax consequences. Splash reserves the right to change or terminate the offer at any time with or without notice. Bonus offer is for new customers only.
