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Splash Financial

Splash Financial is an online lending marketplace that helps people refinance student loans, consolidate debt, and access home equity lines of credit.

Last updated September 1, 2026

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Overview

Splash Financial is an online lending marketplace that connects borrowers with offers from banks and credit unions across the country. It was founded in 2013 to help people refinance student loans, and has since expanded to offer personal loans, home equity lines of credit, and in-school student loans. The company is headquartered in Cleveland, OH.

History

Splash Financial was founded in 2013 to help people refinance student loans, starting from a tiny office in Cleveland, OH. In 2022, the company expanded its products to help people tackle credit card debt. By 2025, it launched a home equity line of credit product. Throughout its growth, it has helped more than 125,000 people refinance over $6 billion in loans.

Products and positioning

Splash Financial positions itself as a streamlined online marketplace that makes borrowing less complicated, offering access to lenders across the country with fast, free rate checks that don't affect credit.

  • Personal Loans

    Fixed rates from 8.99% APR, for debt consolidation or remodeling.

  • Home Equity Line of Credit

    Variable rates from 6.50% APR, borrow up to $500,000.

  • Student Loan Refinancing

    Fixed rates from 3.99% APR, refinance existing student loans.

  • In-School Student Loans

    Loans for students when scholarships are insufficient.

  • Medical School Loan Refinancing

    Fixed rates from 4.99% APR, refinance medical school loans.

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