College Ave Student Loans have no origination or prepayment fees. Learn more about how we make money.Last edited February 27, 2020. The entire application process can be completed online, and you can return to your application to check rates as often as you want. and have not been previously reviewed, approved or endorsed by any other Consumers can obtain loans of up to $250,000 in as few as five business days. You can see if you’ll qualify and what rate you’ll get without a hard credit check. You can even submit pictures of the documents they’re super convenient and easy to work with. If you find discrepancies with your credit score or information from your credit report, please contact TransUnion® directly. Before deciding on a student loan refinance lender, compare multiple student loan refinance options to make sure you’re getting the best rate you qualify for. All content is posted anonymously by employees working at Splash Financial. Splash Financial review: The basics With Splash Financial, you can consolidate and refinance your federal and private student loans. Before deciding on a student loan refinance lender, compare multiple. entities, such as banks, credit card issuers or travel companies. Property and Casualty insurance services offered through NerdWallet Insurance Services, Inc.: Licenses, NerdWallet Compare, Inc. NMLS ID# 1617539, NMLS Consumer AccessLicenses and Disclosures, California: California Finance Lender loans arranged pursuant to Department of Financial Protection and Innovation Finance Lenders License #60DBO-74812, Splash Financial Review: Student Loan Refinancing, Many or all of the products featured here are from our partners who compensate us. This may influence which products we write about and where and how the product appears on a page. Location: Available in all 50 U.S. states. There’s no cost to get a customized interest rate, it only takes a few minutes, and the process is quick and painless. Typical income of approved borrowers: $125,000. If you find discrepancies with your credit score or information from your credit report, please contact TransUnion® directly. While you may not see every option available, it is a great place to start research. That’s why NerdWallet’s student loan ratings reward lenders that offer a variety of loan terms, limit their fees and penalties, and extend borrowers multiple options to avoid default. Splash Financial Review: The Bottom Line. Check. Splash Financial saves your application and documents so you can return and check rates at any time, as its lenders constantly update rates. Loan terms for fixed-rate loans are a minimum of 5 to a maximum of 20 years and 25 years for variable interest loans. Splash makes it fast and easy to save money on your student loans. If you aren’t eligible to refinance with Splash Financial, prequalifying with multiple refinance lenders. Applicants must be U.S. citizens or permanent residents. To refinance your student loan through Splash Financial, first you’ll prequalify to determine what products are available to you. Splash Financial Promotion. Disclaimer: NerdWallet strives to keep its information accurate and up to date. SoFi’s lending process is completely online. You are assigned a dedicated account representative. A co-signer release may be possible after 12 months of on-time payments. Your referral will receive $250 as well. Referral bonus: Get $250 for each person you successfully refer to Splash Financial. Loans originated by Nelnet Bank, Laurel Road and PenFed. Compare Splash Financial’s range of interest rates with other student loan refinance lenders. Splash Financial gives borrowers quotes from its partner lenders, with loans available in all 50 states. What Are Splash Financial’s Loan Terms, Fees and Discounts? Customer Support. Your actual rate will depend on factors including your — or your co-signer’s — credit history and financial situation. In addition to interest rates, compare lenders’ repayment options and the flexibility they offer borrowers who are struggling to make payments. The lender offers undergraduate, graduate, MBA and student loan refinance loans. The maximum debt-to-income ratio is 65%. Find out what works well at Splash Financial from the people who know best. Complete one application to get offers from multiple refinance lenders. Splash Financial has earned an A+ from the BBB, though without any published complaints or reviews. I applied on a Monday and my loan was approved by Wednesday afternoon after I submitted all my documents. Reviews of Splash Financial. This will let you know which lenders you may be eligible with, without affecting your credit. Founded in 2012, CommonBond has funded more than $3 billion in student loans. Compare Splash Financial’s range of interest rates with other. Soft credit check to qualify and see what rate you’ll get: Yes. Splash Financial Review: Student Loan Refinancing Splash Financial is a student loan refinancing company that only focuses on student loan refinancing (unlike many of its competitors). Splash Financial, Inc. Review Splash Financial, Inc. was founded in 2012 and is based in Clevelend, OH. Splash Financial Student Refinance Loans Are Best For: California Do Not Sell My Personal Information Request. However, this does not influence our evaluations. lenders. Pre-qualified offers are not binding. Many lenders are offering relief related to COVID-19. NerdWallet's ratings are determined by our editorial team. Late fees: Yes; a fee equal to 20% of the interest portion of the monthly payment applies after the payment is five days late. Splash Financial has an A- rating with the Better Business Bureau and is BBB-accredited. The details below include all features you could receive by refinancing with Splash via NerdWallet. Splash also allows spouses to refinance their loans together. Splash Financial offers student loan refinance loans originated by Nelnet Bank, Laurel Road and Pentagon Federal Credit Union, known as PenFed. Co-signer release available: Yes, after 12 consecutive on-time payments; however, no co-signer option if you apply via NerdWallet. All financial products, shopping products and services are presented without warranty. You can receive offers from these lenders by completing a single application on the Splash Financial website. This Splash Financial Refinance Review was first published on May 4th, 2018; it has been updated numerous times to include up-to-date interest rate information, lender bonus programs, and loan terms. Your referral will receive $250 as well. Splash Financial Student Loan Refinance is a student loan refinance offering by Splash Financial, Inc., . Splash Financial is currently offering 4.77% for a 15 year term, a percentage lower than SoFi is offering me. However, it’s worth noting that as of October 2019, it had four stars out of five from TrustPilot.com, based on five reviews. Here is a list of, See all small business checking account reviews, What you need to open a business bank account. NerdWallet strives to keep its information accurate and up to date. Read our, Get started with Splash Financial Student Loan Refinance. Borrowers get assigned a dedicated banker, advisor or representative: Yes. Get the inside scoop on jobs, salaries, top office locations, and CEO insights. The details below include all features you could receive by refinancing with Splash via NerdWallet. When evaluating offers, please review the financial institution’s Terms and Conditions. The lender specializes in simple applications with an instant decision. Medical and dental students can defer full payments for up to six months after a residency or fellowship if the total loan term does not exceed 20 years. Has anyone had experience with them? To see what rate Splash Financial will offer you, apply on its website. They seem to be a newer one to have popped up since my last time doing this research. Student loan refinancing options include: Medical loan refinancing is available for both practicing physicians and doctors who are still in residency or completing a fellowship. The lender awards a new interest rate based on your credit, among other factors. By Kevin Mercadante Leave a Comment-The content of this website often contains affiliate links and I may be compensated if you buy through those links (at no cost to you!). Offering consistent policies on forbearance, co-signing loans and other features that all partner lenders must adhere to. Uncover why Splash Financial is the best company for you. If you want a specific benefit from one of Splash's partners — like PenFed combining your loans with your spouse's — contact the lender or Splash directly. Undergraduate, graduate and parent loans are available. Citizenship: Must be a U.S. citizen or permanent resident. Both federal and private student loans can be refinanced through Splash Financial, and … On Trustpilot, Splash Financial has a 4.7 (out of 5) TrustScore with more than 177 customer reviews. The minimum loan is $5,000; there is no maximum. NerdWallet does not receive compensation for its reviews. The minimum late fee is $5 and the maximum is $25. This allows borrowers to shop for multiple options without filling out multiple applications with separate companies. A preapproval rate quote check is available and doesn't hurt your credit score. SoFi is an online lender offering student loan refinancing, undergraduate, graduate and parent loans in all 50 states. This information may be different than what you see when you visit a financial institution, service provider or specific product’s site. If you are looking to refinance your student loans, Splash Financial is worth a look. Couples refinancing: Married couples typically can refinance their loans into a one new loan via PenFed. Spouses can refinance their loans together. Check out our review of Splash Financial and see why we list them on our Best Places To Refinance Student Loans guide. Splash Financial is all about saving you money by helping you get out of student loan debt faster. A minimum FICO credit score of 650 is required. Splash Financial offers both fixed and variable rates for student loan refinancing with terms from five to 25 years. You can receive offers from these lenders by completing a single application on the Splash Financial website. Splash Financial is a relative newcomer on this list, but they are doing great things … You can also read our community reviews and hear what others have to say about their experience with Splash Financial, Inc.. Offering deferment to all borrowers who return to school. 51 talking about this. Maximum debt-to-income ratio: Ranges from 35% to 50% depending on your income, highest degree earned and loan amount. Splash partners with banks, credit unions, and other lenders to bring you market-leading rates. If you have questions about the pre-qualification application or your formal application after you choose a lender, you can call the Splash Financial … Splash Financial at a Glance . Splash Financial Review: Consolidate And Refinance Student Loans. That's a great bonus, and you can apply here to get started. Depending on the reason, you may want to consider other lenders or need a co-signer. Read the U.S. News lender ratings methodology. Splash Financial Student Loan Refinance Review. Splash Financial itself is not a lender, but a lending marketplace that connects people with student loans to prospective refinancing lenders. Founded in 2012, Splash Financial, Inc. offers student loan refinancing in 50 states (and Washington, DC). Points are also awarded for soft credit checks, underwriting transparency and other consumer-friendly features. Be sure to check out the other companies also by checking out our Best Student Loan Refinance Company review page.. Table of Contents. Loan discharge if co-signer dies or becomes disabled: No. NerdWallet believes the best student loan is one you can repay at the lowest interest rate you can get. Forbearance and death discharge may not be available. It recently announced a $350 million annual loan financing deal and have excellent rates. Here is a list of our partners. More details. Percentage of borrowers who have a co-signer: 34%; however, no co-signer option if you apply via NerdWallet. Best for multiple repayment options and no fees. Knoji editors and the Knoji shopper community have reviewed Splash Financial and compared it against 0 top brands, reviewing Splash Financial based on product and store features such as white-glove delivery, price competitiveness and free return policies. You may need to become a member of a credit union to qualify. Splash Financial is a technology platform, not a lender, that helps student loan borrowers easily find the best refinancing options with banks and credit union partners. Pros I have had the honor of working with Splash Financial since the beginning of 2018. You can apply for a Splash Financial refinanced student loan on its website. Splash Financial offers student loan refinance loans originated by Nelnet Bank, Laurel Road and Pentagon Federal Credit Union, known as PenFed. Splash Financial is a relatively new company, so there’s no firm consensus from customers about its products and services. Splash Financial loan details vary by partner lender and application channel. Borrowers can make up to full monthly payments while in school or choose to pay interest only, a flat fee or defer payments. All types of student loans are eligible for refinancing. Splash Financial made it incredibly easy to get my loan process done. This is similar to Credible and other sites with online loan marketplaces, including NerdWallet. Then they help you lock in a better net interest rate and a shorter repayment period so you can crush your student loan debt for good. If Splash Financial denies your refinance application, the lender will let you know why. Must have graduated: Yes, borrowers typically must have graduated with an bachelor's degree or higher, though associate degrees are accepted in some health care fields. In our Splash Financial student loan refinance review, we provide an overview of the company, pros, and cons. Splash Financial is an online marketplace. Can transfer a parent loan to a child: Yes. Loans are available from $1,000 up to 100% of the student’s school-certified cost of attendance. No application fees, origination fees or prepayment penalties. Splash Financial’s website has SSL Verification to help protect your sensitive personal information. Then, you’ll submit an online application. The lender has served more than 375,000 borrowers with $30 billion in refinanced student loans. Must have attended a school authorized to receive federal aid: Yes. Figure Lending was founded in 2018 and began to refinance student loans the following year. In addition to interest rates, compare lenders’ repayment options and the flexibility they offer borrowers who are struggling to make payments. Since … Open to all. The content Typical credit score of approved borrowers or co-signers: 700+. to determine if a specific lender offers the features you want. It offers refinanced student loans originated from three partner lenders: U-Fi From Nelnet, Laurel Road and Pentagon Federal Credit Union, or PenFed. This is similar to. Allows biweekly payments via autopay: Yes if you use a PenFed share account. Allows greater-than-minimum payments via autopay: Yes. Splash Financial is an online marketplace that partners with loan servicers to provide the lowest interest rates and most affordable repayment options for medical students. If you have already refinanced your student loans, you can still refinance with Splash Financial – and spouses can combine their student loan debt into one loan. One of the fastest-growing names in the student loan refinance marketplace is Splash Financial. Splash Financial specializes in refinancing loans for federal and private student loan borrowers. Splash Financial requires a minimum FICO credit score of 650. Learn more about Splash Financial, Inc. and its products by browsing the services it offers. Comparative assessments and other editorial opinions are those of U.S. News Splash Financial Review: Student Loan Refinancing People looking for student loan refinancing options might want to consider a newer company―Splash Financial. Splash advertises interest rates well below what they offer. Check our reviews of Nelnet Bank, Laurel Road and PenFed to determine if a specific lender offers the features you want. If you have a cosigner, for instance, their … A specialized refinance program is designed for doctors completing residencies or fellowships. Some offer 12 to 18 months of forbearance in 3-month increments while others evaluate hardship on a case-by-case basis. This review outlines features that are available to Splash customers who prequalify via NerdWallet. It also has an Excellent rating with Trustpilot, based on more than 200 reviews. A $200 referral bonus is available when borrowers refer someone who successfully refinances a loan through Splash Financial. Use these ratings as a guide, but we encourage you to shop around for the lowest interest rate you can qualify for. They offer competitive refinancing rates and could be a good option for you. Many lenders are offering relief related to COVID-19. Splash Financial was founded in 2013. That’s why NerdWallet’s student loan ratings reward lenders that offer a variety of loan terms, limit their fees and penalties, and extend borrowers multiple options to avoid default. Use these ratings as a guide, but we encourage you to shop around for the lowest interest rate you can qualify for. Glassdoor gives you an inside look at what it's like to work at Splash Financial, including salaries, reviews, office photos, and more. : Married couples typically can refinance their loans into a one new loan via PenFed. NerdWallet believes the best student loan is one you can repay at the lowest interest rate you can get. To qualify, a borrower must be a U.S. citizen and meet our lending partner’s underwriting requirements. Forbearance: Depends on the lender. I'm slightly worried it's a bit too good to be true. College Ave Student Loans offers student loans to borrowers in all 50 states. To see what rate Splash Financial will offer you, apply on its website. Splash Financial is a marketplace that offers refinance loans from PenFed, Nelnet Bank and Laurel Road. 3 If you have questions during the application process, you can contact Splash Financial … It's best for borrowers who want quotes from more than one lender. Splash Financial is the newest student loan refinancing agency on the market today. Married couples who want to refinance their student loans together, Borrowers who want access to a marketplace of student loan refinancing options, Physicians who need flexible refinancing terms while completing their training. When you complete an application on its website, your information is shared with multiple lenders to see which would refinance your student loans and at what terms. Average time from approval to payoff: 15 days. Splash Financial Company Overview; Pros of Using Splash Financial Splash Financial was founded in 2013 and offers loans from multiple lenders. Splash Financial has an A- rating with the Better Business Bureau and is BBB-accredited. All financial products, shopping products and services are presented without warranty. Splash Financial and our lending partners reserve the right to modify or discontinue products and benefits at any time without notice. When evaluating offers, please review the financial institution’s Terms and Conditions. The most recent rate update was on May 3rd, 2021. Splash Financial Review: Student Loan Refinancing Splash Financial is a marketplace that offers refinance loans from PenFed, Nelnet Bank and Laurel … . And while our site doesn’t feature every company or financial product available on the market, we’re proud that the guidance we offer, the information we provide and the tools we create are objective, independent, straightforward — and free. and other sites with online loan marketplaces, including NerdWallet. Compare pay for popular roles and read about the team’s work-life balance. No if you're using a separate checking account. Our opinions are our own. Splash Financial. Splash Financial has the following ratings from third-party services: A Better Business Bureau (BBB) rating of “A+” on a scale of A+ to F. The company has not been BBB accredited, but the agency has had an open file on it since September 2014. Splash Financial Overview. Why refinance your student loans through Splash? Refinancing is available for federal, private and Parent Direct PLUS loans, including undergraduate and graduate loans, as well as loans for MBAs and for law, dental and medical school. : Get $250 for each person you successfully refer to Splash Financial. Our partners cannot pay us to guarantee favorable reviews of their products or services. Providing details borrowers need to choose among lender offers earlier in the application process. At that time the tech team consisted of two people, and we had many projects to look forward to. Splash is currently offering College Investor readers a $500 bonus if you refinance at least $50,000. In our Splash Financial review, we’ll break down the pros and cons of this relative newcomer to the student loan refinancing industry. Check our reviews of. Knoji has 35 Splash Financial reviews and ratings as of March 5, 2021. Pre-qualified offers are not binding. This will let you know which lenders you may be eligible with, without affecting your credit. Best Personal Loans for Credit Card Refinance, Best Student Loan Consolidation & Refinance Companies. You can apply for a Splash Financial refinanced student loan on its website. Splash Financial is a new student loan refinancing lender in Cleveland. Simply answer a few questions, get pre-qualified rates from our lending partners, and choose the offer that works best for you. Ryan Lane is a personal finance writer for NerdWallet whose work has been featured by The Associated Press, U.S. News & World Report and USA Today. options to make sure you’re getting the best rate you qualify for. Splash Financial is a marketplace for student loan refinancing, so it shops its network of bank and credit union partners to get the best possible rates and products for borrowers. Splash Financial responded to both complaints in a timely manner. Loan servicer: MOHELA, Nelnet or Pentagon Federal Credit Union, known as PenFed, depending on which lender finances your loan. Splash Financial is a respectable business, servicing graduates around the country. Splash Financial is not a part of Laurel Road, but you can refinance student loans with Laurel Road (as well as U-Fi From Nelnet and PenFed) by applying via Splash. on this page is accurate as of the posting date; however, some of our partner offers may have expired. The process was painless and quick, thanks to the easy to use application system and follow ups by team members of Splash Financial. Refinancing is available for a range of student loans. Autopay discounts are built into the loan rate. You might need to become a member of a credit union. ... Review your loan documentation for total cost of your refinanced loan. Splash Financial works with a network of banks and credit unions to provide the best possible rates. This is the Splash Financial company profile. Borrowers also can earn $10 for referrals who check their rates and prequalify. It’s a viable choice if you want to refinance all of your student loans. It also has an Excellent rating with Trustpilot, based on more than 200 reviews. What Student Loan Options Does Splash Financial Offer? The bottom line: Splash Financial is an online marketplace founded in 2013 that offers student loan refinance loans from multiple partner lenders. So how do we make money? What Are Splash Financial’s Deferment and Repayment Options? How Do You Qualify for Splash Financial Loans? Borrowers must have a pay stub dated within 30 days, or they must be able to verify their income another way. This information may be different than what you see when you visit a financial institution, service provider or specific product’s site. This may influence which products we review and write about (and where those products appear on the site), but it in no way affects our recommendations or advice, which are grounded in thousands of hours of research. Loan terms are available from five to 20 years. Spouses also can transfer debt to their partners, though this requires a signed affidavit. Read our editorial guidelines. As we’ll see, doctors and physicians in residency or fellowship can dramatically lower their payments with Splash Financial. Your actual rate will depend on factors including your — or your co-signer’s — credit history and financial situation. If you are suffering from financial hardship, Splash Financial offers deferment or forbearance, but the policy depends on the lender and is approved on a case-by-case basis. We believe everyone should be able to make financial decisions with confidence. This Splash Financial Refinance Review was first published on May 4th, 2018; it has been updated numerous times to include up-to-date interest rate information, lender bonus programs, and loan terms.The most recent comprehensive update was on March 31st, 2021. Trustpilot gives the company a rating of 5 … Does Splash Financial Have Good Customer Service? I have credit score of 800+, low debt to income ratio, invoke almost 3x loan amount, and savings of over 2x loan amount. The company also earns 4.4 out of 5 stars on Trust Pilot based on 62 reviews. Splash Financial student loan refinancing at a glance, Splash Financial student loan refinancing details, Splash Financial was founded in 2013 and offers loans from multiple lenders. Read more. Borrowers can make full payments while in school, or choose to pay interest only, pay a flat fee, or defer payments. Refer your friends and earn $250 when they refinance through Splash Financial. Borrowers pay no application or origination fees and no prepayment penalty. As a student loan refinance company, they work with you to combine your federal and private student loans. NerdWallet recommends prequalifying with multiple refinance lenders before you apply. Splash Financial is a student loan refinance lender marketplace based in Cleveland, with its own lender network of banks and credit unions. Loan features and policies vary by lender and application channel. A financial education and student loan refinancing company. Although SoFi focused on refinancing in its early years, the company has expanded to also offer its own undergraduate, graduate and parent loans. Check this list of private loan relief options to see what this lender offers. Get started referring here. Can qualify if you’ve filed for bankruptcy: Yes, but you'll need a co-signer who has not previously filed for bankruptcy. before you apply. Our partners compensate us. The late fee is 5% of the unpaid amount up to $10 after 15 days. Points are also awarded for soft credit checks, underwriting transparency and other consumer-friendly features. What Additional Features Does Splash Financial Offer? The scoring formula for student loan products takes into account more than 50 data points across multiple categories, including repayment options, customer service, lender transparency, loan eligibility and underwriting criteria. Splash partners with multiple lenders. NerdWallet does not receive compensation for its reviews. Spouses also can transfer debt to their partners, though this requires a signed affidavit. The Consumer Financial Protection Bureau received two complaints about Splash Financial in 2020. Of up to 100 % of the unpaid amount up to date popular roles and about... Be different than what you see when you visit a Financial institution, service provider or specific product ’ deferment... 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