Best Student Loan Refinance Rates for July 16, 2026
Seriously
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Earnest Loans is serviced by Earnest Operations LLC with support from the Missouri State Higher Education Loan Authority (MOHELA) (NMLS# 1442770). Earnest LLC and its subsidiaries, including Earnest Operations LLC, are not sponsored by United States agencies.
These examples provide estimates based on payments that begin immediately after the loan is disbursed. Variable Annual Percentage Rate (“APR”): A $10,000 loan with a 20-year term (240 monthly payments of $101.46) and 10.74% APR would result in a total estimated payment amount of $24,350.40. For a variable loan, once the initial rate is set, your rate will fluctuate depending on the market. Fixed APR: A $10,000 loan with a 20-year term (240 monthly payments of $101.46) and 10.74% APR would result in a total estimated payment amount of $24,350.40. Your actual repayment terms may vary.
The actual rate will vary based on your financial profile. Fixed annual percentage rates (APR) range from 4.19% APR to 10.24% APR (3.94% – 9.99% with 0.25% auto pay discount). Variable Annual Percentage Rates (APR) range from 6.13% APR to 10.24% APR (5.88% – 9.99% with 0.25% auto pay discount). The highest variable rate student loan refinance loans are based on a publicly available index, the 30-day average Secured Overnight Funding Rate (SOFR) published by the Federal Reserve Bank of New York. The variable rate is based on the rate published on the 25th day or next business day of the preceding calendar month, rounded to the nearest hundredth of a percent. The rate will not increase more than once a month, but there is no limit to the amount the rate could increase at one time. Please note, we are unable to offer variable rate loans in AK, IL, MN, MS, NH, OH, TN and Texas. Our lowest rates are only available to our most qualified borrowers and require selecting our shortest term offered and enrolling in our 0.25% automatic payment discount from a checking or savings account. Enrollment in automatic payment is not required as a condition of approval.
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Splash Financial
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Splash Financial, Inc. (NMLS #1630038), licensed by DFPI under the California Funding Act, License # 60DBO-102545
Terms and conditions apply. Splash reserves the right to change or discontinue products and benefits at any time without notice. Products may not be available in all countries. Prices and terms are subject to change at any time prior to application submission. The information you provide is a request to determine if Splash’s loan partners can provide you with a loan offer. To qualify, the borrower must be a US citizen or other eligible status and meet the lender’s underwriting requirements. The lowest rates are reserved for the most qualified borrowers and may require an auto pay discount of 0.25%. 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 in a range of rates and will depend on a variety of factors, including the term of the loan, creditworthiness, income and other factors. This information is current as of January 8, 2026. You should review your federal student loan benefits; may offer specific benefits that a private refinance/consolidation loan may not. If you work in the public sector, are in the military, or use a federal department assistance program such as income-based repayment or public service forgiveness, you may not want to refinance, as these benefits do not transfer to private refinance/consolidation loans.
Automatic discount payment. Rates quoted include a 0.25% automatic payment discount.
The Annual Percentage Rate (APR) is the cost of a loan by calculating the interest rate, loan amount, repayment term and timing of payments. Fixed APR options range from 4.96% (with automatic payment) to 11.24% (without automatic payment). Variable APR options range from 4.99% (with auto pay) to 11.14% (no auto pay). Variable rates are derived by adding a margin to the 30-day average SOFR index, published two business days prior to such calendar month, rounded to the nearest hundredth of one percent (0.01% or 0.0001).
Payment Disclosure. Fixed loans have a repayment term of 5 to 20 years. For example, the monthly payment for an example of $10,000 with an APR of 5.47% for a 12-year term would be $94.86. Variable loans have a repayment term of 5 to 25 years. For example, the monthly payment for an example of $10,000 with an APR of 5.90% for a 15-year term would be $83.85.
Bonus Discovery. Terms and rules apply. Offer subject to lender approval. To receive the offer, you must: (1) refinance $50,000, $100,000 or $200,000 in student loans depending on the channel partner making the bonus offer (2) register and/or apply through the referral link provided to you; (3) complete a loan application with Splash Financial; (4) have and provide a valid US address to receive a bonus; (5) and meet Splash Financial’s underwriting criteria. Once the conditions are met and the loan is disbursed, you will receive the welcome bonus via verification of your submitted address within 90-120 calendar days. Bonuses not redeemed within 180 calendar days of the date they were made available to the recipient may be subject to cancellation. Bonus amounts of $600 or more in a calendar year may be reported to the Internal Revenue Service (IRS) as the recipient’s miscellaneous income on Form 1099-MISC in the year received as required by applicable law. Recipient is responsible for any applicable federal, state or local taxes associated with receiving the bonus offer; consult your tax advisor to determine the applicable tax consequences. Splash reserves the right to change or discontinue the offer at any time with or without notice. The bonus offer is for new customers only.
