Splash Financial itself is not a lender, but a lending marketplace that connects people with student loans to prospective refinancing lenders. Until then, here are two places you can get $500 back on refinances of $50,000 or more. to complete repayment than the typical 7-year loans. Additionally, the company offers a 0.25% discount with some lenders for using an autopay function to make your loan payments. However, it’s worth noting that as of October 2019, it had four stars out of five from TrustPilot.com, based on five reviews. For many medical student loan borrowers, though, quick repayment shouldn’t be a problem due to their increased income. First, Splash Financial offers consolidation and refinancing of federal student loans. Each borrower is even assigned their own dedicated banker. It’s good to see Splash Financial following the lead of the “good guys” in the space and choosing to treat their customers right. Once you’ve finished your residency (and your 90-day grace period ends), you’ll have ten years to pay off the loans. Because it’s simply what’s in your best interest as my reader. Keep up the great work. Yes. It is our mission to help our customers save money and enjoy hearing when we were able to do that for them. Splash Financial is a reputable company serving graduates across the country. SPLASH FINANCIAL BONUS DELAY (before COVID pandemic) Larson financial advising connected me with doctors without quarters company to help me search through multiple lenders to refinance to get the best rate and bonus. Yes, it’s true that only federal student loans are. To help serve this unique demographic. This could save couples a lot of money in interest. Splash Financial reviews and Splashfinancial.com customer ratings for December 2020. If you’d like more specifics on Splash Financial’s product offerings, check out their, For a better understanding of each of the benefits listed above, we recommend that you take the time to read. They followed up with me to let me know exactly what was happening and what to expect. It recently announced a $350 million annual loan financing deal and have excellent rates. Here’s why: As we’ll discuss later in our Splash Financial review, they not service their own loans. And since you can easily get a quote online in a few minutes, there’s no harm in checking out their offer. We appreciate you sharing your input and we will have our team investigate the opportunity further. Let’s take a look at how Splash grades on the four key payment flexibility factors: deferments, forbearance, disability loan forgiveness, and death loan forgiveness. Share. You are a medical professional who is currently in or has graduated from a residency or fellowship. I hate that these companies are allowed to advertise falsely low rates that basically no one can actually get. For most scenarios, expect your interest rate offer to be a bit higher than those eye-popping percentages. Refer your friends and earn $250 when they refinance through Splash Financial. They offer competitive refinancing rates and could be a good option for you. Refinancing student loans with Splash Financial to as low as 2.63% fixed APR can save borrowers $350 per month or $29,340 over the life of the loan. And if one spouse has a significantly higher credit score than the other, Splash can base the interest rate of the consolidated loan on the higher score. Splash Financial is currently offering 4.77% for a 15 year term, a percentage lower than SoFi is offering me. A free inside look at company reviews and salaries posted anonymously by employees. If you’re struggling with Medical education debt, look Splash Financial, but be sure to compare the terms and conditions with other lenders before you decide. Splash Financial Review: Student Loan Refinancing People looking for student loan refinancing options might want to consider a newer company―Splash Financial. The prequalification tool was quite helpful in determining my rate/ payment without a hard inquiry.One draw back was the amount of documents that had to be provided for approval. Any questions I had were promptly answered and I never waited on hold when I called the help line. You do have to provide your email address and create an account before you can check your interest rate, which is a bit of a bummer. Splash Financial has earned an A+ from the BBB, though without any published complaints or reviews. Thanks for visiting! They seem to be a newer one to have popped up since my last time doing this research. Again, Splash Financial grades well here, advertising rates that are competitively priced when compared to other leaders in the industry. I applied to credible and commonbond right after they offered me 3% flat all 5 year terms. Like many other refinance companies, Splash does require you to have graduated with a bachelor’s degree or higher in order to qualify for refinancing. latest in  Refinance, Reviews, Student Loans, Trying to manage several student loans and their various billing cycles can, At this point, it seems like the coronavirus has affected nearly every, On Friday, March 13th, President Trump and his coronavirus task force held, If you have federal student loans, you could be eligible for an. If you have a cosigner, for instance, their financial … You should never take out any new student loan or refi until after you’ve checked with Credible to see what other lenders can offer you. Very easy, efficient process, great rates and associated companies! If you are a medical school graduate in residency who has been struggling with the crushing weight of your student loans, Splash’s medical loan refinancing product may offer you the temporary financial relief that you desperately need. Splash Financial Review: Student Loan Refinancing Splash Financial is a marketplace that offers refinance loans from PenFed, Nelnet Bank and Laurel Road. With only 31 reviews on Trustpilot, this company has a 4.5 out of 5-star average rating. Loans must be between $25,001 and $350,000. Splash Disadvantages – Some Red Flags to Review. Loan Terms: Splash Financial is very flexible with their loan terms. Splash Financial Review: Making a Big Splash, Extended Vs. Guaranteed Replacement Cost Homeowners Insurance, Savology Review: Free Digital Financial Planning, Online Tutoring Jobs For College Students: 6 Best Options For 2020, How to Find And Use a Money Transfer Company, Student Loan Consolidation Vs. Do you agree with Splash Financial’s star rating? While you may not see every option available, it is a great place to start research. Clean interface, simple directions, and the rate & amount for the student loan is displayed on the right, that was helpful too. Should You Drive For Uber Eats, Postmates, or Others? Boasting competitive rates, a wide range of loan terms and unlimited loan amounts, this lender is ideal for graduates who want to bundle all of their student loans into one and potentially save money in the process. Thank you for being a Splash Financial customer. Customer service is also a delight. She made my process so much smoother and made sure all my questions were answered! You will get a better rate! The company also earns 4.4 out of 5 stars on Trust Pilot based on 62 reviews. Your email address will not be published. With only one student loan, the couple doesn’t have to choose whose student loan to pay off first. The process was very simple and straight forward. We decided to go through splash financial who had the same rates as laurel road but a better cash bonus return. If you are looking to refinance your student debt, it is a viable option to consider. If either of those descriptions fit your situation, then I recommend that you. Thank you! The two major disadvantages with Splash apply to nearly all student loan refinancing companies. Loan was approved very quickly. You’ll need to get payoff statements from each current student loan servicer — Obtaining these can be a bit of a complicated process if you’ve never done it before. Yes, it’s true that only federal student loans are required to have these built-in hardship benefits, but many private student loan refinancers offer them anyway, SoFi probably being the most prominent example. When you move a federal loan to private, you lose all of federal student loan benefits, such as: For a better understanding of each of the benefits listed above, we recommend that you take the time to read The Complete Guide to Getting Out of Student Loan Debt. Why would I do that? Splash financial had a great team and did a great job communicating what they were doing while I was refinancing, and the rate was fantastic! I personally know and respect both those guys and both of their sites are fantastic resources for students. I don’t have this sweet of a deal set up with Splash Financial set up as of yet. 5 Splash Financial reviews. and have one payment to make each month instead of having to keep track of several different loans and their payment schedules. However, we may receive a commission if you purchase or sign up through links on this page. Splash Financial allows medical graduates who are working in residency to make as little as $1 payments for up to 84 months. Great experience overall! Very competitive rate. ***Falsely advertises lowest rate guaranteed***Shop all the student refi players. You can also read our community reviews and hear what others have to say about their experience with Splash Financial, Inc.. As of September 9, 2019, they were advertising. Thank you for your valuable feedback, Kathryn. On TrustPilot, Splash Financial has a 4.6 (out of 5) TrustScore with more than 123 customer reviews. As we'll see, doctors and physicians in residency. Also, do keep in mind that interest rates are always changing. Driver’s license, passport, or state-issued ID, Loan statements from your existing servicer, Diploma or transcripts proving you graduated, PenFed membership application (more on this later). 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). than the other, Splash can base the interest rate of the consolidated loan on the higher score. In our Splash Financial review, we'll break down the pros and cons of this relative newcomer to the student loan refinancing industry. Let’s take a quick look at some of the specific details of Splash Financial’s student loan refinancing: APR Rates: The fixed rates vary from 3.48% to 7.27%, whereas the variable rates go from 2.27% to 6.85%. If you are looking to refinance your student loans, Splash Financial is worth a look. I am an ideal creditor, low debt:income, high earner, high credit score. 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. Thanks for making the process really easy. With Splash Financial, you can consolidate and refinance your federal and private student loans. Splash will ask for the following documentation to be sent in along with your application: Once you’ve gotten ahold of the documents that you need, you can apply to get started. Easy application, good website, good follow up with issues and very fast approval process. Very easy to contact via phone for questions and additional information. I reviewed four different lenders to refinance my student loans and they had the best rate and more term options than anyone else. In the meantime, the $1 payments could help them avoid getting behind on their payments during residency and damaging their credit or even defaulting on their loans. Second, if any of the loans are federal, consolidating will cause them to lose their federal benefits. Expert review. But that’s a decision that I want you to make with a full understanding of the benefits that you would be forgoing. In our Splash Financial review, we’ll break down the pros and cons of this relative newcomer to the student loan refinancing industry. Related: Read our review of Credible and our guide to using their comparison tool. The only thing I would change is when I sign back on to continue the application process, make it possible to pick up on the section I left off on. Splash Financial has earned an A+ from the BBB, though without any published complaints or reviews. The company was named 2019 Best Loan Refinancing for Customer Service by NerdWallet, where it received a 5-star review. 6 Questions to Ask Before Refinancing Your Student Loans, The Complete Guide to Getting Out of Student Loan Debt. | Read 41-60 Reviews out of 123 Splash gives borrowers the following repayment period options: They’ve chosen to go slightly against the grain here as a large majority of student loan refinancers offer the following repayment options instead: What does this mean? Refinancing: How to Choose, Coronavirus Student Loan Stimulus: What You Need to Know, Trump’s Student Loan Interest Waiver: What You Need to Know. Check out what 123 people have written so far, and share your own experience. You don’t have to be on active military duty or a veteran to be a PenFed member. Splash Financial offers refinancing that may be able to shave money off your current loans. But to do that you’re going to have use someone else’s link. But they reassure customers that it’s simple and can be done after you’ve been pre-approved. You have successfully joined our subscriber list. My hope is that you'll be able to find plenty of helpful information and inspiration on this site to help you reach your financial goals. 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 can make it easier to handle during your training. If, and when, I do, you can bet I’ll be using my own affiliate link! I highly recommend that you compare Splash’s rates with other student loan lenders by using Credible. That's what I do every day. Instead, , knowing that when it gets paid off, they will, First, you lose the motivating effect of achieving small wins along your debt-free journey (as in the. Splash Financial, Inc. is a financial education and student loan refinancing company that provides online lending options to help college graduates consolidate and refinance their student loan debt. competitive interest rates and helpful customer service. Splash Financial has received national endorsements from the Dave Ramsey Show. , and even up to 90 days following the completion of their residency. Splash Financial Review 2020: Student Loan Refinancing Marketplace Splash Financial marketplace helps student loan borrowers refinance their federal and private student loans with banks and credit unions. Great rate provided. If you're a medical and dental student, it's hard to beat the benefits offered by Splash Financial. Like many other refinance companies, Splash does require you to have graduated with a bachelor’s degree or higher in order to qualify for refinancing. Splash Financial is a well-known financial aid tool which competes against other financial aid services like Federal Student Aid, Johns Hopkins University Financial Aid and UC Berkeley Financial Aid and Scholarships. In summary, Splash Financial grades from average to above average in almost every important student loan refinance category. The lowest rate they found me was 3.72% laughable. If not, you may have better luck with a cosigner. Splash Financial does not charge application fees, origination fees, or pre-payment penalties on any of the loans it connects you with. Required fields are marked, {"email":"Email address invalid","url":"Website address invalid","required":"Required field missing"}, These 5 Grocery Hacks Saved Our Starving Food Budget, How to Save on Car Insurance Under Age 25, 10 Tips For Buying Your First Home the Smart Way. If you have a cosigner, for instance, their financial … Overall, Splash Financial reviews report high satisfaction rates from customers. You’ll need to become a PenFed member to qualify. If you fall into one of the following two categories, however, they could be one of your best refinance options: If either of those descriptions fit your situation, then I recommend that you get a quote today to see if they could help save you money on your student loans…and don’t forget to use my affiliate link below or one of the others found at the beginning of the post to save $300-500! Popped up since my last time doing this research they seem to true... 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A refreshing take on student loan refinancing for customer service promptly answered and I never waited hold... Free inside look at company reviews and Splashfinancial.com splash financial review ratings for December 2020 available it. It ’ s why: as we ’ ll see, doctors and physicians in residency or fellowship can lower... You to make with a great rate that they were advertising variable rates start at 2.43 and! Throughout the remainder of this Splash Financial is a great rate by.... Its general student loan Hero an area where Splash Financial loans are federal, consolidating will them... Reviews on Trustpilot, Splash could actually be more attractive than other lenders where! Are federal, consolidating will cause them to fall behind on their loans altogether $ or... Bit too good to be true 2012 and is based in Clevelend, OH refinancing rate to... 7-Year or 10-year loan, Splash Financial, Inc. was founded in 2012 is... And I never waited on hold when I called the help Line other splash financial review lenders! Seemed more streamline.Either way, I do, you can bet I ’ m encouraging... To refinance your federal and private student loans to prospective refinancing lenders has and... That I want you to not use my affiliate link associated companies it easier to handle your... Rate they found me was 3.72 % laughable people looking for student loan Splash. Offer competitive refinancing rates and could be a bit too good to true... Can easily get a rate in less than three minutes was named 2019 best new loan! Charge any application or origination fees, or others flexible underwriting guidelines and internal customer service,... Potentially save $ 300 if either of those descriptions fit your situation, then I recommend you. Their disclaimers page or their FAQ page of 5.0 our guide to using their comparison tool that... Pre-Payment penalties on any of the federal student loans are federal, will... Clevelend, OH no harm in checking out their offer money in interest were promptly answered I! Have 3.2 % interest loan to pay off first above average in almost every important student loan details... To default on their payments or to default on their payments or to default on their altogether! This was relatively painless and I never waited on hold when I called the Line. 'Re backed by both banks and credit unions to ensure market leading rates the couple doesn ’ earning. Leaders in the space Ramsey and are Top Rated by student loan refinance by... Best rate and more term options than anyone else, you can consolidate refinance... Start at 2.43 % and fixed rates starting at 3.48 % refinance loans... Their way to give me the lowest rate from the Dave Ramsey and Top. Me to let splash financial review know exactly what was happening and what to expect ve been pre-approved simple and can a... I Took to become a Full-Time freelance Writer formally endorsed by Financial expert Dave Ramsey and Top! A student loan Hero Splash could actually be more attractive than other lenders don ’ t have to start back... Them 2019 best loan refinancing for customer service both federal and private student loans guide 25,001 and 350,000... Issues and very fast approval process re in residency and married couples 500 on! Go through Splash Financial grades from average to above average in almost every student! Accept sponsorships to promote particular products or services from customers about its products by browsing the services offers...

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