The listings featured on this site are from companies from which this site receives compensation. This influences where, how and in what order such listings appear on this site.
BestMoney logo
Splash Financial Review
Reviews 778
Splash Financial
Splash Financial
Excellent
Reviews 778
Michael Graw
Feb. 21, 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 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 8.99% - 35.99% (with autopay)* 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 8.99% - 35.99% (with autopay)* 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
8.99% - 35.99% (with autopay)*
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 8.99% - 35.99% (with autopay)* 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 8.99% to 35.99% APR as of April 13, 2023. Personal loans have an origination fee of 0% to 9.99% 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.
Top 5 Personal Loans
Credible
Credible
Read Review|Visit Site
Read all reviews
Must Reads
Read all articles
Trustpilot reviews
See what some costumers are saying about Splash Financial
Splash Financial
Excellent
Reviews 778
on
Excellent
90%
Great
5%
Average
2%
Poor
1%
Bad
2%
M
mike mcgushin
2 days ago
Painless debt consolidation loan…
Process for a debt consolidation loan was quick and very efficient. Would definitely give Splash Five Stars. Have already recommended Splash to a couple of friends looking to get a debt consolidation loan.
B
brian hass
2 days ago
Quick and painless
Quick and painless
A
alton ridle
2 days ago
Quick and easy process
Quick and easy process
R
ramon flores
3 days ago
Clear and efficient
Clear and efficient
C
crystal dugas
3 days ago
Splash was very helpful and quick on a…
Splash was very helpful and quick on a request.
E
eunice yapul
3 days ago
Easy process
Easy process
S
sandy maguino
3 days ago
ALTAS TASAS DE INTERESES
ALTAS TASAS DE INTERESES. Pero tengo necesidad .
M
martin saucedo
3 days ago
Simple process
Simple process easy to understand
S
sydney ransom
3 days ago
It was simple to refinance my very…
It was simple to refinance my very expensive student loans. The interest rates are better out of other companies. I chose Splash
T
tai ruffai
4 days ago
The prosses was fast and great
The prosses was fast and great
G
gomes
4 days ago
Very easy process and quick.
Very easy process and quick.
A
andy
4 days ago
Very Fast and excellent customer…
Very Fast and excellent customer service with low Apr beyond my expectations. Thank you
B
brian mccanless
4 days ago
Quick and easy
Quick and easy. Great to work with.
consumer-image
sonny bilal
5 days ago
My Great Experience
Great experience easy process very little paperwork involved and turnaround was fast.
K
kristi o
5 days ago
SIMPLE and FAST Process
The ENTIRE process was so easy! I submitted my application and the requested docs, participated in a 3-way call with my bank (security purposes), and received the funds all within 5 business days. I had a couple of questions during the process. I logged in to my acct and was promptly connected with a knowledgeable associate who completely answered my questions. I will definitely recommend SPLASH!
K
kelly b
5 days ago
Excellent experience
Excellent experience! Extremely helpful and prompt with any questions or concerns I had.
K
koroma/gibril
6 days ago
The associates were very professional…
The associates were very professional and helpful
s
sandrac
7 days ago
Great customer service
Great customer service. Very compassionate and made the process go so smooth and not stressful at all.
K
kp
7 days ago
They make it too hard to set up…
They make it too hard to set up automatic payments and want you to transfer to a savings account through their partner and then make the payment from that account. Doesn’t seem right and seems like they’re trying to make it harder to pay off a loan.
B
b. parfait
7 days ago
Start first with Splash Financial
Splash Financial make the loan process easy and kept me up to date with text and emails throughout the process. I was approved quick. Start first with Splash!
I
ian west
7 days ago
Easy application
Easy application, fast money, good rates.
J
jayne
7 days ago
It was very quick!
It was very quick!
A
andre valadao
7 days ago
Great experience
Fast and easy.
B
brian miles
8 days ago
Very good communication and really…
Very good communication and really quick response would definitely recommend Splash Financial
J
joseph szatmary
8 days ago
Amazingly Efficient/Smooth Experience
Amazingly efficient and a smooth experience.
R
robin lamme
8 days ago
Contacted me in a reasonable time by…
Contacted me in a reasonable time by both a phone call and email several times during the process. Aways answered my questions promptly and worked on doing this when I was off work. Highly recommend
M
michael brown
8 days ago
Will Definitely Recommend Quick and Easy
Application process was quick and easy and the money was in my account quickly. This loan was huge for me and the experience has been good all around.
M
michael holley
8 days ago
Easy application
Easy application. Fast answers. Seamless process
T
thomas
8 days ago
Splash made it really easy to get me…
Splash made it really easy to get me the funds I needed when I needed them and the process was easy
R
ricarda suarez
9 days ago
Worth the try
It was a nice experience cause their responses were quick, so it made me happy.
E
eric s
9 days ago
Great Service
Great Service on time processing
R
rodolfo tapia
9 days ago
Promptly processing the request and…
Promptly processing the request and providing feedback from customer service.
consumer-image
gina mccroskey valone
10 days ago
They don't accept credit karma bank and…
They don't accept credit karma bank and they they pay credit karma to advertise but it's a waste of time and they don't approve..
S
st louis sue
10 days ago
Easy, except for the identity proof uploads
It was fairly easy to do everything online. But the process to upload your photo ID was awful. It took 5 attempts to get that to where it was accepted. And customer service could not provide a workaround.
J
joseph allocco
10 days ago
Very good open communication with me
Very good open communication with me
J
julie martin
10 days ago
Very quick and easy
Very quick and easy. Had money with-in 72 business hours.
A
ava briggs
11 days ago
Easy process and very quick turnaround.
Easy process and very quick turnaround.
J
joel contreras jimenez
11 days ago
Its speed and efficiency
Its speed and efficiency, and that the entire process was on its online page.
K
kenneth ament
11 days ago
got my cash in three days
got my cash in three days
R
robert ryals
11 days ago
They approved and got money too me…
They approved and got money too me super quick. Monthly payments were just right
J
jeremy
12 days ago
It was a very easy process
It was a very easy process. My APR ended up being less than quoted. I couldn't be happier!
C
catcasey
13 days ago
This was quick and painless.
This was quick and painless.
S
stephen ojoe
14 days ago
Lending With a Difference
Splash Financial was excellent in handling my loan application.
J
james
15 days ago
I highly recommend SPLASH FINANCIAL if…
I highly recommend SPLASH FINANCIAL if someone is going through financial difficulties. It was a good experience and very flexible.
R
rachel mirabella
15 days ago
Great and easy experience
Great and easy experience
R
rosemary
16 days ago
Splash Financial has to be the best and…
Splash Financial has to be the best and fastest loan company I have ever used and I have used many. I can’t stress enough how amazing they are!!!
consumer-image
c t
16 days ago
Great experience and great rate
Great experience and great rate! Took 2 business days for me to verify and get approved. I absolutely recommend!
c
customer
17 days ago
Ease and convenience
Ease and convenience
K
katelyn heist
17 days ago
Do yourself a favor!
This was such an smooth process for refinancing my private student loans. I was able to get a great interest rate with a shortened term as well. Highly recommend inquiring about rates!
A
alisa
17 days ago
Application was easy
Application was easy with several offers to consider. Clear information on length of contract with total amount paid back when finished. I liked that everything was done online and received funds directly into my bank account quickly.
C
carolyn g
18 days ago
Splash Financial was easy and quick to…
Splash Financial was easy and quick to apply. Customer service was always there and keeps you posted as you go through the process.
D
daniel ashley
22 days ago
Borrowing made easy
Borrowing made easy
K
kellie powdhar
23 days ago
It was quick and easy .
It was quick and easy .
J
james
23 days ago
Wow!!!!
Wow, fast easy and awesome process!!
V
veronica hartman
23 days ago
It was a very easy application and the…
It was a very easy application and the staff were quite friendly.
C
christopher colwell
23 days ago
Really easy to work with
Really easy to work with, handled everything quickly.
D
denise downs
24 days ago
Easy application process
Easy application process. Fast results. Excellent customer service!
T
theresa lucia
24 days ago
Extreme ease of process
Extreme ease of process. Had the loan within two days and setting up the account was super easy. Love the service.
J
jaime v
24 days ago
Excellency, professionalism, 5 stars on security
Professionalism, serious on security
P
pjordan255
a month ago
Application was simple and the process…
Application was simple and the process was quick.
N
nathaniel kerr
a month ago
Refi college loan
I was looking to refi my college loans to a better rate just on my own from a parent plus loan. Splash made the entire process quick and easy. They provided me competitive rates and options. It was all handled very efficiently and professionally.
D
daniel deem
a month ago
Friendly & easy
The people at splash was very helpful and friendly, it was easy also. thank you very much. Daniel Deem
T
twiin liife
a month ago
What made my experience special
What made my experience special? It was the suburb customer service from beginning to end. The follow through was incredible! Thank you!
consumer-image
terry flanigan
a month ago
Application and response quick and…
Application and response quick and easy! Professional staff!! The best!!
T
theresa r.
a month ago
Absolutely exceptional
Absolutely exceptional. Customer service was professional, knowledgeable, helpful, and extremely considerate and prompt. The turnaround time was amazing with respect to application and deposit. Highly recommended!!!
D
dan robinson
a month ago
The process was so easy and simple.
The process was so easy and simple.
A
anisha torruella
a month ago
I think the process of obtaining the…
I think the process of obtaining the loan was quick and efficient. Unfortunately when the representative called me they addressed my by my first name. This was unprofessional. When you establish a new business relationship with someone, its' important to address them by their last name out of respect. If the person prefers for you to address them by their first name, then and only then should you do that.
K
katie simpkins
a month ago
Lowered My Rate!
Great to be matched with the best interest rate!
N
nadja tremblay
a month ago
This was an awesome experience
This was an awesome experience - super efficient- I had the funding in my account in 2 days. Everything you promised was done on-time and efficient!
N
niuma rodriguez vera
a month ago
Trust
Great experience, organization, trust, professionalism, customer service, effectiveness, security, and communication , everything so far is excellent , and fulfill the needs , thanks for everything 👍
K
kathy
a month ago
Easiness
Will work with them again. Very easy.
J
john adams
a month ago
Quick and easy process
Quick and easy process
C
charles
a month ago
Very easy to upload documents
Very easy to upload documents. Approval of loan is financed by a credit Union which needs to be joined after loan approval.
L
linda mitchell
a month ago
Excellent communication
Excellent communication. Extremely quick responses. They cut my Sallie Mae payment by 45%.
R
rosy
a month ago
Super easy
Super easy, great rate, and quick on all fronts!
T
timothy greene
a month ago
It was such a easy process and a fast…
It was such a easy process and a fast process.
B
brigid m.
a month ago
Great loan refinancing experience!
Easy application and quick application process!
S
santos valdez
a month ago
It was really easy applying for a loan…
It was really easy applying for a loan thru splash. Would recommend
C
cheryl
a month ago
Quick and easy process
Quick and easy process
C
chanelle matthews
a month ago
Such a blessing and courteous service
Such a blessing and courteous service. Thank you so much for relieving my stress with such an affordable rate.
R
rebecca gomez
a month ago
Splash Financial
Credit Karma is the best financial tool. I qualified for a loan with Splash Financial who was advertised with Credit Karma. The transaction was seamless and easy. Their staff is very communicative and they strive for customer service. I would definitely recommend their financial service to anyone seeking a personal loan. Thanks Credit Karma and Splash Financial
c
customer
a month ago
Excellent customer service
Excellent customer service. Made the process easy
J
james m
a month ago
Seamless
Seamless, straight forward process. I applied on Thursday afternoon, had approval on Friday afternoon, and funds in my account on Tuesday morning. Necessary documentation (ID, income verification) was gathered as part of the application process. Everything was done completely on line and in a timely manner. I would use them again.
A
angel figueroa ochoa
a month ago
Super easy and fast process.
Super easy and fast process.
N
nathan rushing
a month ago
Great loan finding engine
Great loan finding engine. Easy to use, good results and good support.
J
jmz
a month ago
Awesome!
The customer service provided by this loan agency is awesome! I was very happy in the way they handle the authentication of the customer! I know some cutomers may feel like that is too much, but it is better to be safe than sorry. I should know since somebody took my name and usurped me! Thank you and thank you Kae Travis (Loan Consultant) for an awesome display of Customer Service! :-)
T
travis zuniga
a month ago
Efficient
This was an efficient and straightforward process.
A
abel ybarra
a month ago
Make the application more easy
Make the application more easy
O
omari phillip
a month ago
Expedited service with minimal intrusion
Expedited service with minimal intrusion
E
elaska
a month ago
FAST TURNAROUND
The process was fast and convenient..2 days total!! So happy!!
C
cortney montgomery
a month ago
Easy and quick
Easy and quick. Thank you!!
S
sean liston
a month ago
Fast and easy!
Fast and easy!
K
kari taylor
a month ago
Just great
Just great. All together.
H
h. sanchez
a month ago
Quick and easy
Splash financial is a life saver it was quick and easy to get my personal loan.
C
christina wiley
a month ago
Very simple process and quick…
Very simple process and quick distribution of funds.
M
marcy
a month ago
Great experience
Great experience
S
smjones
a month ago
Easy and quick process.
The invitation to apply came right when I needed it. I provided proof of income with no difficulty at all and funding was fast and efficient. Thank you !
W
william murphy
2 months ago
Ease of use
Splash was easy to use and I received results quickly. Having to fill out everything at the lenders sight was a bit redundant, but it did go smoothly. Thank you
f
francis yurick
2 months ago
Easy to apply
Easy to apply, upload and receive the funds
M
megan
2 months ago
Very easy
Very easy, was funded in 1 day.