10 Best Student Loan Refinance of 2020
Top Choice!
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SponsoredCredible
- Rates start as low as 3.19% APR fixed (with autopay)* and 2.39% Var. APR (with autopay)
- No hidden fees, origination fees or prepayment penalties
- See personalized rates from multiple lenders in 2 minutes
- Fast and free to apply
- Best Rate Guarantee: $200 if you find and close with a lower rate elsewhere
- Checking your rates won't affect your credit score
- Discounted rates with auto-pay
- Get prequalified in minutes
SponsoredSplash Financial
- See rates in 3 minutes without impacting credit score
- Low rates for credit scores over 700
- Minimum credit score of 670
- No maximum loan amount
- Fixed rates as low as 2.80% APR
- Variable rates as low as 1.89% APR
- No application, origination, or prepayment fees
- 5, 7, 8, 10, 12, 15, 20 and 25 year options
SponsoredLaurel Road
- Excellent 4.3 out of 5 rating on Trust Pilot
- APRs as low as 1.99% (variable) and 2.80% (fixed)
- No application, origination, or prepayment fees
- Medical interns or residents can pay as little as $100 while employed full-time
- Temporary forbearance available for qualifying borrowers in economic hardship
SponsoredEarnest
- A+ BBB Rating
- Customizable payments and loan terms
- Option to skip one payment every 12 months
- Zero fees of any kind
- 0.25% auto-pay discount
- No pre-payment penalty
SponsoredLendKey
- Get pre-approved quotes from credit unions and small banks
- Rates start at 1.99% APR (variable) and 2.99% APR (fixed)
- Reduce your rate by 0.25% when you sign up for automatic payments
- No application or origination fees
- BBB-accredited and rated A+
- All loans serviced in-house; no handoffs to other lenders
- COVID-19 hardship forbearance for up to 18 months (varies by lender)
- Free Career Assistance powered by NextJob for all existing borrowers