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Splash Financial Review

Reviews 1,040
Splash Financial
Splash Financial
Reviews 1,040
Michael Graw
Feb. 21, 2023
4 min read
Michael Graw
Splash Financial Summary
Splash Financial is an online marketplace that helps you review offers for your needs. The company works with a network of lenders to offer personal loans, student loans, and student loan refinancing. Personal loan rates start at just 6.99% APR, and you can borrow up to $100,000. Splash Financial lets you check your rate online in less than 2 minutes, without a hard credit pull.¹


  • Check your rate online in less than 2 minutes
  • Personal loan interest rates from 6.99% APR
  • Borrow up to $100,000


  • No same-day funding

Splash Financial Splash Financial Visit Splash Financial

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 banks, credit unions, and online lenders to bring you competitive loan offers.

  • Personal loan rates ranging from 10.95% - 24.51%* 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-qualified  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 score¹—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 1-2 business days.³

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 1-7 years,² and interest rates ranging from 10.95% - 24.51%* 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


How Splash Financial Compares

Splash Financial
10.95% - 24.51%*
Minimum credit score
Loan amounts
Loan term
1-7 years²
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.


Q. How long does it take to get a personal loan with Splash Financial?

Most lenders can deposit funds in your account within 1-2 business days³ after you sign your final loan documents.

Q. Does checking my rate impact my credit score?

Splash Financial runs a soft credit check, which won’t impact your credit score,¹ when you go to check your loan rates.

Q. Does Splash Financial charge fees?

Splash Financial is completely free to use. The lender may charge an origination fee, but this will be disclosed and included in the APR calculation for any qualified loan offers you choose.

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.


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 ranging from 10.95% - 24.51%* 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.³

Physical Address

Splash Financial, 812 Huron Rd E Ste 350, Cleveland, OH 44115

Splash Financial Splash Financial Visit Splash Financial


Terms and Conditions apply. Splash reserves the right to modify or discontinue products and benefits at any time without notice. Rates and terms are subject to change at any point prior to application submission. The information you provide is an inquiry to determine whether Splash’s lending partners can make you a loan offer.

*Splash marketplace loans offer fixed rates between 10.95% to 24.51% APR as of April 7, 2024. Personal loans have an origination fee of 3.99% to 7.49% which may be deducted from the loan proceeds. Lowest rates are reserved for the highest qualified borrowers. Lowest rates may require autopay and may require paying off a portion of existing debt directly. The autopay reduction will not be applied if autopay is not in effect. Not all rates and amounts available in all states. Not all applicants will qualify for the full amount. Residents of Massachusetts have a minimum loan amount of $6,000.

To qualify, a borrower must be a U.S. citizen or other eligible status and meet lender underwriting requirements. Splash does not guarantee that you will receive any loan offers or that your loan application will be approved. If approved, your actual rate will be within a range of rates and will depend on a variety of factors, including term of loan, creditworthiness, income and other factors.

¹ To check the rates and terms you qualify for, Splash Financial conducts a soft credit pull that will not affect your credit score. However, if you choose a product and continue your application, the lender will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit pull and may affect your credit.

² Loans feature repayment terms of 36 to 60 months depending on the lender and your qualifications. For example, if you are approved for a $10,000 loan with a 36-month term and a fixed APR of 17.98% (which includes a 14.32% yearly interest rate and a 5% one-time origination fee), you would receive $9,500 in your account and would have a monthly payment of $343.33.

³ While funding may be as soon as one to two business days, at times it could take up to two weeks.

Splash Financial, Inc. (NMLS #1630038), NMLS Consumer Access. Equal Housing Lender. Splash Financial, Inc. is licensed by the Department of Financial Protection & Innovation under the California Financing Law, license number 60DBO-102545. Splash® is a registered trademark of Splash Financial, Inc.

Michael Graw
Written by
Michael Graw
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.
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