
Splash Financial summary
Pros
- Check your rate online in less than 2 minutes
- Personal loan interest rates from 4.99% APR
- Borrow up to $100,000
Cons
- No same-day funding
Editorial score
Variety of loan types
Offers most loan types
Online experience
Good online resources but no mobile app
Customer services and support
Multiple ways of reaching lender, wide range of hours
Loan amount range
Loan amount $50K+
Repayment flexibility
Loan terms 60 months+
Suitable For?
Splash Financial is designed for borrowers who want to check offers for a personal loan, student loan, or student loan refinance. This online marketplace checks for offers at a network of lenders to bring you the lowest interest rate possible. The interest rates for student loans and personal loans offered through Splash Financial are very competitive. Splash Financial is also good for borrowers who want to take out a large personal loan, since some of the lenders that the company works with offer loans up to $100,000.
Range of Loans on Offer
Splash Financial helps you find offers for personal loans, student loans, and refinancing for both undergraduate and medical student loans. Splash Financial doesn’t offer any loans itself, but rather works with a network of more than 20 banks, credit unions, and online lenders to bring you competitive loan offers.
- Personal loan rates from 4.99% APR
- Borrow up to $100,000
- Check your rate online in less than 2 minutes
- No prepayment penalties on most loans
- Minimum 580 credit score
Application Process & Requirements
You can check rates for a loan through Splash Financial online. The process takes less than 2 minutes and you can see your pre-qualifed offer online without having to speak to a loan officer.
To get started, you’ll need to answer a few questions about how much you want to borrow and what you plan to use the money for. Splash Financial also asks for your employment status, income, address, and birthdate. Finally, the company runs a soft credit check—which won’t impact your credit score—to find you a loan offer.
If you decide to proceed with an offer, Splash Financial will pre-fill your application information to simplify the process. Most of the lenders that Splash Financial works with can approve your application and deliver funds to your bank account in 24-48 hours.
APRs, Loan Amounts, & Repayment Terms
Splash Financial helps you find personal loans ranging in size from $600 to $100,000, although most lenders the company works with offer maximum loan amounts of $50,000. You can be offered a repayment term of 2-5 years, and interest rates ranging from 4.99% - 35.97% APR.
Privacy & Security
Splash Financial uses SSL encryption to protect your application information. The company also uses multi-factor authentication and ID verification to protect your online account and prevent identity fraud.
Help & Support
Splash Financial offers customer support 9AM-9PM (ET) Monday-Friday. The company also has an online FAQs page where you’ll find more information about the loans it offers.
Phone: (800) 349-3938
Email: contact@splashfinancial.com
How Splash Financial Compares
Splash Financial | LightStream | Upstart | |
---|---|---|---|
APR | 4.99% - 35.97% | 4.49%-20.49% | 5.38%-35.99% |
Minimum credit score | 580 | 660 | `None |
Loan amounts | $1,000-$100,000 | $5,000-$100,000 | $1,000-$50,000 |
Loan term | 2-5 years | 2-7 years | 3-5 years |
Suitable for | Borrowers who want the lowest interest rates | Borrowers who want lower monthly payments | Borrowers with poor or no credit history |
Splash Financial offers personal loans that are comparable to those from LightStream and Upstart. Splash Financial’s lowest interest rates are slightly higher than those at LightStream, but they may be able to provide offers to more borrowers since you can qualify for a loan with a 580 credit score. Upstart has higher rates and a lower maximum loan amount, but it serves borrowers who don’t have a credit history.
FAQs
Q. How long does it take to get a personal loan with Splash Financial?
Most lenders can deposit funds in your account within 24-48 hours after you apply.
Q. Does checking my rate impact my credit score?
Splash Financial runs a soft credit check, which won’t impact your credit score, when you go to check your loan rates.**
Q. Does Splash Financial charge fees?
Splash Financial is completely free to use. Your lender may charge fees, but these will be included in the APR calculation for your loan.
Q. Can I pay off my personal loan early?
All of the lenders that Splash Financial works with don’t charge prepayment penalties on personal loans. However, you should check the terms of your loan.
Summary
Splash Financial is an online marketplace that can help you find a personal loan, student loan, or student loan refinance. The platform offers competitive rates for personal loans starting at just 4.99% APR. Splash Financial makes it easy to check your loan offer online and you can get funds in your bank account within 1-2 business days.
Physical Address
Splash Financial, 812 Huron Rd E Ste 350, Cleveland, OH 44115
** To check the rates and terms you qualify for, soft credit pull(s) will be conducted that will not affect your credit score. However, if you choose a product and continue your application, your full credit report from one or more consumer reporting agencies will be requested, which is considered a hard credit pull.

Michael Graw is a Bellingham, Washington-based writer focusing on finance, tech, and science. His work has been featured in print magazines and high-impact websites. He writes for BestMoney and enjoys helping readers make sense of the options on the market.