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Splash Financial Review
Reviews 559
Splash Financial
Splash Financial
Excellent
Reviews 559
Michael Graw
Jan. 19, 2023
3 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
Pros
  • Check your rate online in less than 2 minutes
  • Personal loan interest rates from 6.99% APR
  • Borrow up to $100,000
Cons
  • No same-day funding

Splash Financial at a glance

4.4
Editorial score

Variety of loan types

Offers most loan types
4.0

Online experience

Good online resources but no mobile app
4.0

Customer services and support

Multiple ways of reaching lender, wide range of hours
4.0

Loan amount range

Loan amount $50K+
5.0

Repayment flexibility

Loan terms of 12-84 months²
5.0

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 6.99% - 35.97%* 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 6.99% - 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
6.99% - 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
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.

FAQs

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.

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 ranging from 6.99% - 35.97%* 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

Disclaimers

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 6.99% to 35.97% APR as of 01/03/2023. Personal loans have an origination fee of 0% to 8.99% 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 12 to 84 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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See what some costumers are saying about Splash Financial
Splash Financial
Excellent
Reviews 559
on
Excellent
90%
Great
5%
Average
2%
Poor
1%
Bad
2%
L
lizbeth torres
10 days ago
It was quick and easy
It was quick and easy. Got approved the next day.
J
john novak
17 hours ago
The person on the phone was a Gem and…
The person on the phone was a Gem and super helpful. Had a question and they immediately knew the answer and advised me on the correct next steps. It was a pleasure.
A
alexa reinke
11 days ago
Great customer service!
I was responded to quickly and with helpful and relevant information. I did not know much about student loans or refinancing but all of the individuals I spoke with were kind and helpful.
L
lois
12 days ago
Being Financial Responsible
I knew that I needed to consolidate all of my student loans to make them more manageable. I did a lot of research before choosing a company. Splash Financial helped me get this done with a very easy process. The rate they quoted was low; the payments manageable; and my questions were answered expeditiously. I'm extremely critical and cautious when it comes to my finances and they made this so easy and so easy to understand. There was no origination fees or anything of that nature. This company is a must try.
B
barak campbell
13 days ago
They were able to help me navigate…
They were able to help me navigate refinancing my daughter’s student loans. They communicated to me everything I needed to do and what they needed from me. All the information was clear and nothing was hidden. The customer service was excellent, and I would recommend them to anyone.
C
cathy
16 days ago
It was quick and easy!
It was quick and easy!
S
scope
24 days ago
Fantastic Customer Service
Splash financial was extremely easy to work with through the entire process. I received help from Quinn and Adam who were very patient and helpful.
H
hunter crown
25 days ago
The quick approval and the fast…
The quick approval and the fast communication on what I needed to submit
T
thomas
25 days ago
Excellent customer service
Excellent customer Service. Easy to use. Honest and fast results. Highly recommend.
J
julia resener
2 months ago
Thank you!
Easy and when i called the person who answered the phone was great.
L
laura k
2 months ago
Splash Financial made it so easy to refinance! …
Splash Financial made it so easy for me to refinance! I have been struggling with high loan repayments for a few years, so high that they were taking my ENTIRE paycheck, leaving me with barely enough to live. Splash made the process so easy and I wish I refinanced soon!
C
crystal aburto
2 months ago
Refinancing
Great refinancing rates and easy to navigate
T
timothy frank
2 months ago
Everything was good in the process of…
Everything was good in the process of getting the loan. The problem has been after the loan was dispersed. The money was dispersed on Nov. 22 but here on Dec. 7, four of my five previous loans have not been paid off which means they are accumulating interest every day for what's now 15 days. When I called to inquire, I was told they had until Dec. 15 before they would put out an alert on it. In 2022, that seems crazy to take that long. I check every day and still no sign of paying off these loans.
C
constantin leontescu
2 months ago
Very easy and quick process
Very easy and quick process! Very good and kind customer service. Highly recommend your company!
C
cole lagasse
2 months ago
Best rates out there
Just graduated and was looking around at different lenders to refinance. Splash had the best rates by far and actually cut my rate in half! Great customer service as well, very responsive and very helpful
K
katherine cincotta
2 months ago
Easy, quick & best rates
Experience was so easy and seamless. Recommend 10/10. Best rates as well.
S
stan b
2 months ago
Quick communication and provided me…
Quick communication and provided me with everything I needed to know. Very easy process for what could have been stressful.
V
vicki drapp
2 months ago
Very easy to apply for the loan online
Very easy to apply for the loan online. Didn’t take long to get approval and they found me the best rates and options. They where there to help me with the process and answers all my questions.
D
damian mediavilla
2 months ago
Ease of application and great customer…
Ease of application and great customer service.
D
donna harris
2 months ago
Very easy process
Very easy process
g
gabrielle sherman
3 months ago
Super easy and helpful
Super easy and helpful
j
jessica ruiz
3 months ago
Process was very easy and fast
Process was very easy and fast. Communication was great.
A
anthony m
3 months ago
Trust in Splash Financial
They did a great job getting my personal loan funded. And it didn't take but more than 2-3 days for it to happen. They also have great customer service as well.
H
hannah fulcher
3 months ago
Helpful and Easy
So helpful and I love when I hear from a real person on the phone. The process was so easy.
E
emilee lewis
3 months ago
It was quick and easy!
It was quick and easy!
L
lauren dand
3 months ago
Easy to navigate, great rates and quick response!!!
It was so easy to navigate and was the best rate I could find for refinancing. No crazy hurdles to apply and you hear back within days!!!
T
tyler carranco
3 months ago
Customer service!
Customer service was very helpful. The site was easy to use and easy to apply. Best rate I found anywhere
G
grace wamagatta
3 months ago
Good and fast service
Good and fast service
T
t bowman
3 months ago
Clear easy process with great…
Clear easy process with great communication and status updates.
C
christopher sari
3 months ago
Great job
Awesome service
V
val
3 months ago
Communication Issues and Difficulty Submitting Personal Information. Refinancing rate was decently good though.
Didn't receive feedback on loan review status for over a month, and I had to call them to find out that I needed to correct some information on file that was preventing them from going forward. Other than the communication-related delay, it was an okay refinancing experience overall. It was difficult to correct my name on file while I was filling out the application, since Splash Financial had pre-filled in information that it had received from a third-party source and there was no option to upload name change documentation, though I find that to be the unfortunate but expected norm from a large number of financial institutions. At the very least, make an option to set up a nickname that can be presented when navigating the site so that your institution can be somewhat LGBTQ/trans-friendly, and only include a user's legal name on legal documents. (This is also helpful for cisgender people who may have changed their names recently too, such as due to marriage.) Additionally, please make it clear up front next time that Splash Financial is not going to be the loan servicer, but rather has partnerships with other financial institutions. (I found out after my loan had been approved and after the time frame where I could enact "Right to Cancel" that my loan would actually be serviced by First Tech Credit Union. This would have been a fine experience overall if this was clear up front.)
G
gerardo espinoza
4 months ago
seamless process
Very straightforward and easy application process. Quick turnaround time. No complaints at all.
U
ursula b
4 months ago
Easy Process
Was looking to refi my private student loans. Went through Splash because they do all of the work at finding me the best rate. They did a great job and the process was easy and smooth. With their help I will be paying my loans off 3 years early plus saving a HUGE amount on interest and my rate is fixed. I am so relieved and can’t say Thank You enough!
C
caleb aiyuk
4 months ago
Interest rate control
Helped lower my student loan interest rates up to 4% from initial rate within 30-45 minutes. Given the size of the loan the decrease has made the re-payment plan much more reasonable. I'm grateful!
A
andrew keidel
4 months ago
Super easy and fast !
Super easy and fast !
B
bailey hager
4 months ago
Splash Financial helped me
Splash Financial helped me refinance my private student loans with a lower interest rate and lower payment! It was simple, fast, and easy.
D
dave h
4 months ago
Very easy application process
Very easy application process. I attached my paystub, but the system didn't recognize it and I was able to reach a representative right away to help me resolve the issue. With Splash I now have a lower interest rate that will help me in paying off my loan sooner. Extremely happy!
L
lucas d
4 months ago
Very simple and easy process!
Very simple and easy application process to refinance my student loans. Was getting ripped off by Sallie Mae with a super high interest rate loan but with Splash I was able to cut my interest rate in half! Now I’ll be able to play my loan off faster and be able to pay less monthly. Thank you Splash!
B
brandi rodkin
4 months ago
Extremely easy and quick process and…
Extremely easy and quick process and the best rates!!
R
robert johnson
4 months ago
5 * excellent
Quick, simple process. Great customer service. Very helpful start to finish
R
ruth s
4 months ago
Great
Just refinanced my student loan with Splash. Was a breeze. Great rates, streamlined service. Thank you!
S
selena rummel
4 months ago
This was my first time refinancing my…
This was my first time refinancing my student loans and am very pleased with the result. It was a very easy process. Any questions I had were answered within minutes. I will definitely use splash financial again when I refinance my loan again in a few years (after interest rates go down).
M
michael
4 months ago
quick and accurate quote
quick, accurate quote for refinancing an existing private student loan. i hate how crooked the student loan industry is, but splash financial helped me find a much lower rate and a 7r loan to help rid me of the loan asap.
Z
zachary mora
4 months ago
Simple process the was quick and stress…
Simple process the was quick and stress free
M
megan f.
4 months ago
Super easy company to work with
Super easy company to work with. I appreciated their streamlined processes and quick work on reviewing documentation. I don't think I've ever had a loan experience go so smoothly!
D
dharikkumar patel
4 months ago
Student Loan Refinance
Fast and easy application process.
M
mr. w. cole
4 months ago
THE BEST SERVICE.
Great service, happy with my new rate!
d
dferg
4 months ago
Splash your Loans today!
This was by far the easiest loan I have ever done. I researched and found this company among the top five in consolidating student loan debt. Then I went to work to apply. I literally did it around 8:00 am one morning, and it took me about 30 minutes to complete the process. I am very excited, I will be able to pay this loan off in seven years or less, depending on my circumstances. No more trying to paying a loan off with a bouncing ball interest rate.
S
shawn
5 months ago
Awesome application customer support, and AMAZING rates!
Awesome. Very helpful and accommodating customer support team as I had questions to finish my application.
K
kesean newton
5 months ago
The process was easy and smooth
The process was easy and smooth. System was easy to navigate and approved in a day.
M
maureen hughes
5 months ago
Thank you for recommending
Thank you for recommending, Dave Ramsey! Wonderful experience. Super fast and easy.
E
emma combine
5 months ago
Splash financial helped me refinance my…
Splash financial helped me refinance my private loans that had a super high interest rate that was variable, now I'm getting a fixed low interest rate and couldn't be happier! :)
J
jacquelin morris
5 months ago
The overall experience was great
The overall experience was great, but at the start it was a bit confusing being asked what my highest degree was( I got a bachelor's first, then went back and got an associate's for something else) when I was going to be using it. Then there wasn't a place to add a second degree, that would have been helpful because I wanted to consolidate laons from both degrees. I got everything worked out but it was some back and forth and submitting more stuff.
M
michael miraglia
5 months ago
Reivew
Quick and easy unlike other places and Splash has the best rates hands down!
T
tyler ewing
5 months ago
Simple and easy application process.
Simple and easy application process.
J
jason lowe
5 months ago
Everything went smoothly
Everything went smoothly. Staff was responsive.
A
abs
5 months ago
loan consolidation
Very easy process and helpful customer service!
M
marcus williams
5 months ago
Fast and Easy
Fast And Easy. Have a wide range of options to consolidate my private student loans!
A
andrew
5 months ago
Excellent rates and excellent customer…
Excellent rates and excellent customer service.
A
ashley
5 months ago
Super easy process!
Super easy process!
A
alex f
6 months ago
Timely response, courteous communication, professional
Timely response, courteous communication. My application was followed-up and completed within an appropriate timeframe and all of my questions were answered prior to my asking.
N
nikita p
6 months ago
SplashFinancial’s sign up process
SplashFinancial’s sign up process was very simple in regards to explaining financial terms in layman’s terms, having a quick and easy application, and the turnaround for processing and approval/rejection is also fairly fast.
M
michael fernandez
6 months ago
Very kind and we’re very communicative…
Very kind and we’re very communicative during the entire refinancing process
G
gillian desrosiers jacome
6 months ago
Easy to do with a great variety of…
Easy to do with a great variety of finance options. Clear in their terms and policies.
J
judy barnes
6 months ago
Fast service
Getting a loan to refinance student loans was easy to do. All correspondence was professional and courteous.
M
micah harris
6 months ago
I wish I would have made this decision…
I wish I would have made this decision years ago. Thanks Splash !
C
carrie slayton
6 months ago
Splash was quick and super helpful
Splash was quick and super helpful! It went so much smoother than I expected it to~
O
olivia eide
6 months ago
Splash financial made it seamless and…
Splash financial made it seamless and easy to refinance my student loan. The customer service representatives were helpful.
P
private grad re-fi
6 months ago
Great fixed rate
Got an insanely good rate on a private student loan re-fi and they made it really easy. 32k 5-yr 2.69% August 22 800+ credit
K
kevin ruiz
6 months ago
So far the process has been easy
So far the process has been easy, straightforward and no issues. Emails are consistent to keep me in the loop where I am in the process.
C
carlos manzanares
6 months ago
Fast response.
Fast response.
N
nicolas martinez
6 months ago
Experience was outstanding
Experience was outstanding, The whole process was clear from start to finish, very easy to navigate and best of all, they got me best rate possible for sure, trust me I checked rates around
C
chelsea o'leary
6 months ago
10/10 Experience!
This entire process was so simple! My private student loans have been so difficult to manage through my prior loan-provider because I was unable to consolidate them, and with the variable interest, I never know what I would owe each month. Getting all of my loans consolidated into one, with an awesome fixed interest rate, is such a relief. Not to mention, the entire application process and uploading supporting documents was foolproof!
H
hannah schoon
6 months ago
The best way to break up with Sallie Mae
When I needed to go back to school for my PhD I was worried about being able to afford my Sallie Mae payments (from undergrad). Being able to refinance my loans through Splash Financial was a life saver! I cut my loan payments in half, got a significantly lower interest rate than what Sallie Mae had, and there's no penalty for paying the new loan off early.
J
jade shepardson
6 months ago
Easy and Painless
Not only did Splash Financial offer me the lowest interest rate, but their process was so easy and hassle-free.
J
julcardhom barcelon
6 months ago
Amazing
Amazing! Thank you!
L
luis soto
6 months ago
Easy and fast
Easy and fast, best option to refinance student loans.
A
a.p.
6 months ago
Fast and great customer servive
I've been looking into refinancing my student loans for a while now. The monthly payments were unmanageable and I just felt like I was going backwards in progress. Splash really helped in making refinancing easy and painless, and has had fantastic customer service the whole time. I'd definitely recommend to anyone looking to get better control over their finances.
L
lourdes n
6 months ago
I actually had a great experience the…
I actually had a great experience the customer service lady that took care of me was excellent she was so nice and she made it so easy for me.
J
jessica poop
6 months ago
Doesn't deliver on 4.9% rate
Advertises for 4.9% bit not able to give you anything remotely close...let's say realistically 25.9%. Don't waste the time feeling it out, avoid at all cost 🙄
C
carmen duonnolo
7 months ago
Best loan experience ever!
Best loan experience ever! The team listened carefully and answered all my questions. Very professional and courteous.
M
morgan
7 months ago
Easy process
Very easy process to refinance student loans!
k
keyli smith
7 months ago
Excellent experience
Excellent experience, very professional and a quick process, highly recommend!!!
M
matinique tapscott
7 months ago
Overall it was a decent experience
Overall it was a decent experience. Quick, relatively easy. The app did glitchon me though, so that I had to complete the application the next day.
K
kylie paprocki
7 months ago
Thank you Splash Financial
Splash Financial made it pretty easy for me in order to get rid of a much higher rate and now and much more comfortable fixed rate. Very Happy with Splash so far.
Z
zachary sullivan
7 months ago
Easy process and the best rates around
Easy process and the best rates around. I was trying to refinance with the company that had my loans, but they were making it much more difficult than it needed to be. Splash had a flawless and great experience
C
christian feaster
7 months ago
Splash was so easy and quick to apply!
Splash was so easy and quick to apply!! Would highly recommend!
J
john garshott
7 months ago
Great service
Great service. Quick and efficient.
R
rachel fields
7 months ago
Interest rate in the final approval was…
Interest rate in the final approval was higher than originally quoted.
T
trevor
7 months ago
Easy process
Easy process, great communication. Made refinancing my student loan a breeze. Very happy with the process and saving a lot of money with refinancing.
B
brett mcallister
7 months ago
Very pleased
Very pleased, quick and easy
S
samantha
7 months ago
Best rate that I was able to find
Best rate that I was able to find, and it was very easy to reconsolidate my loans with them.
S
sarah kernig
7 months ago
Great experience
Great experience! Best rates out there!
R
rafa
7 months ago
Very easy process!
They made this a very easy process and got me the best rate… and I definitely checked around!
A
aj
7 months ago
Thank you for your quick and honest…
Thank you for your quick and honest feedback!
C
charles
7 months ago
Overall positive experience
A little disappointed in the difference between my quoted rate and what I received (I realized it was possible, but still), but still overall a positive experience (and cheaper than what I had).
M
matthew robertson
7 months ago
The woman I spoke to on the phone…
The woman I spoke to on the phone (sorry I do not remember her name) was extremely polite and very helpful. She answered all my questions and assured me that all was going smoothly with the process as well as explained the time frame of the process. It is people like her that makes me happy I found your company.
A
anthony helman
7 months ago
Loved how helpful everyone was
Loved how helpful everyone was; could call for anything and get a kind and thoughtful answer.
E
elaina
8 months ago
Painless process
The entire process was extremely easy and not time consuming. Thank you for an easy refinance of my student loan
C
corey ellis
8 months ago
RATE CHANGE - Bait and Switch
I was sent an offer in the mail (Unsolicited) for 2.29% 5 year fixed and after applying they changed my rate to a 7 year and 3.94%. That is a significant difference. My credit score was 832 verified by Splash, income of roughly $200k/year not including my spouse, plus some investment income. The only debt I have is my house which has +$300k in equity and my student loan. I have an amex cash card that is paid in full every month and a leased car. There was no reason for my rate to change other than a bait and switch. Be careful with this company as your rate is likely to change and you will not know until after they run your credit and complete their underwriting. 2 stars is for the customer service as everyone seemed pleasant.