Splash Financial Student Loan Refinance Review

Rating: 9.4 / 10 (Excellent)
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Splash Financial is a student loan refinancing company founded in Ohio in 2013. Offering loan refinancing to employed graduates, but specializing in the loans of medical school graduates, Splash Financial helps borrowers to consolidate their loans, lower their monthly payments, and save money through refinancing.

How is Splash Financial rated?


Loan Specifics
Customer Experience
Company Reputation

Overall Rating: 9.4 / 10 (Excellent)

With a very easy-to-use online loan calculator and competitive interest rates for the refinancing of student loans, Splash Financial is a reputable company whose products can save graduates thousands of dollars over the life of the loan. Targeted initially towards medical school graduates, Splash Financial is a great choice for any graduate who wants to simplify their payments and save money in the process.

Splash Financial Loan Specifics

Loan Specifics - 9 / 10

Splash Financial offers loan refinancing for college graduates who are earning income. The application is open to either the graduate or parent of the graduate with payment terms of 5, 7, 8, 10, 12, 15 or 20 years. Splash loan refinancing is offered through PenFed, the nation's third largest federal credit union.
Loan Types
Maximum Loan Amount
Fixed APR Range
3.25% - 7.28%
Variable APR Range
3.56% - 7.34%
Repayment Options
Full Repayment
Fixed Monthly Repayment

Splash Financial Qualifications

Qualifications - 9.5 / 10

To refinance through Splash Financial, borrowers must be US citizens, have outstanding loans between $7,500 and $350,000, and have a bachelor's or graduate degree. In addition, borrowers must have proof of income from a current employer and a minimum credit score of 670.
Citizenship Requirement
U.S. Citizen
Minimum Credit Score
Income Verification
Degree Required

Splash Financial Customer Experience

Customer Experience - 9.5 / 10

After answering just a handful of questions, borrowers can quickly and easily learn the rates available to them with Splash Financial's online loan calculator. They also offer a great online guide to their services and eligibility requirements, as well as a detailed FAQ. Borrowers can contact Splash via email, phone during business hours, and online chat.
Online Quotes
Student Loan Refinance Calculator
Live Chat

Splash Financial Company Reputation

Company Reputation - 10 / 10

Splash Financial has earned an A+ from the BBB, though without any published complaints or reviews. Although Splash Financial themselves have only been in the loan refinancing business for 5 years, they have partnered with PenFed, an 80 year-old federal credit union with over 1.6 million members and also rated A+ from the BBB.
Lender Type
Non-bank Financial Institution
Year Founded
BBB Rating
Date Collected

Company Profile

Full Name
Splash Financial Student Loan Refinance
Company Website
812 Huron Road East, Suite 350, Cleveland, OH, 44115

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Our Partner
9.4 / 10
  • Instant rate check
  • No application or origination fees
  • Fixed rates as low as 3.25% APR
  • Variable rates as low as 3.56% APR
  • No prepayment penalties and no hidden fees