Earn a $500 cash bonus and the Fire Your Financial Advisor Course ($799 Value) exclusively for being referred by White Coat Investor when you refinance your student loans with Splash!
FYFA course must be claimed within 90 days of loan disbursement. To claim free course enrollment, visit https://www.whitecoatinvestor.com/RefiBonus. An account will be created for you at wcicourses.com and you will receive an email with access instructions upon verification from the lender. Course access instructions are sent out once a month, generally the first week of the month.
Splash Financial is a leader in student loan refinancing for doctors. They also offer a special refinancing program for residents and fellows, which allows you to pay only $100 a month during training1. Splash partners with credit unions, banks, and other leading lenders to offer competitive rates. Hundreds of WCI readers check rates through Splash each month. In as little as three minutes, you could get pre-qualified rates and it won’t impact your credit score. There are no costs—no application or origination fees and no prepayment penalties.
The minimum borrowing amount is $5,000 and there is no maximum. If you refinance $100,000 or more, you are eligible to receive a $500* cash bonus. The bonus will be paid between 90-120 days after the loan closes and is available for first-time customers only. Bonus offer available for WCI readers only.
Competitive Rates
Competitive variable and fixed rates.
Easy Application Process
Splash provides a seamless online experience and takes the hassle out of refinancing.
Zero Fees
No application fees, no origination fees, and no pre-payment penalties.
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. Your prequalified rate is based on information you provided. All final offers require verified credit information which could impact your qualified rate. The information you provide to us is an inquiry to determine whether Splash’s lending partners can make you a loan offer. Some lending partners may require less information if you submit an application directly on their website. If a lending partner has an available loan for you, you will be invited to submit a loan application to the lender for its review. Please be advised that a lending partner who has an available loan offer for you may conduct another soft credit pull as part of its application review process. Splash does not endorse specific lenders over others. Splash does not work with all lenders.
To qualify, a borrower must be a U.S. citizen or other eligible status and meet lender underwriting requirements. The borrower is required to meet applicable underwriting requirements based on specific lender criteria. Not all borrowers receive the lowest rate as advertised. Lowest rates are reserved for the highest qualified borrowers. 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, a responsible financial history, income and other factors. Variable rates subject to change.
To check the rates and terms you qualify for, soft credit pull(s) will be conducted that will not affect your credit score. However, if you choose a product and continue your application, your full credit report from one or more consumer reporting agencies will be requested, which is considered a hard credit pull.
Note: Medical student refinance loans are available only to borrowers who are currently in a residency or fellowship program.
Refinancing or consolidating private and federal student loans may not be the right decision for everyone. Before obtaining a private student loan through Splash, you should review all of your options. Many federal loans have special benefits and payment options that are not available for private loans made through Splash Financial. If you refinance a federal student loan through Splash Financial, you will no longer be eligible for those benefits.
Your school does not endorse Splash Financial or its lending partners and neither Splash Financial nor its lending partners are affiliated with your school.
For Student Loan Refinance:
Fixed Rate options range from 3.99% APR to 10.24% APR and will vary based on application terms and level of degree. Our lowest rate option may include a 0.25% autopay discount for the shortest loan term. The APR on your loan may be higher or lower and your loan offers may not have multiple term lengths available. Rates are subject to change without notice. Not all rates and amounts available in all states. Not all applicants qualify for the lowest rate. Lowest rates reserved for the most creditworthy borrowers. Actual rate depends on credit score, credit usage history, loan term, and other factors. Late payments or subsequent charges and fees may increase the cost of your fixed rate loan. There is no fee or penalty for repaying a loan early.
Variable rate options range from 4.74% APR to 10.24% APR. Rate options may include a 0.25% autopay discount. These rates are subject to additional terms and conditions, and rates are subject to change at any time without notice. Such changes will only apply to applications taken after the effective date of change. Variable APRs and amounts subject to increase or decrease.
The variable rates are based on a Variable rate index derived by adding a margin to the 30-day average SOFR index, published two business days preceding such calendar month, rounded up to the nearest one hundredth of one percent (0.01% or 0.0001). The interest rate on a variable rate loan is comprised of an index and margin added together.
* Terms and conditions apply. Offer is subject to lender approval. Any bonus amount you receive will vary based on your refinancing amount. You will receive $500 for refinancing $100,000 or more. To receive the cash bonus offer, you must: (1) register and/or apply through the referral link you were given; (2) complete a loan application with Splash Financial (3) have and provide a valid US address to receive the cash bonus check; (4) refinance at least $100,000 with one of Splash’s lending partners; (5) meet the lender’s underwriting criteria; and accept the loan offer. Once conditions are met and the loan has been disbursed, you will receive your cash bonus check at the address you provided within 120 calendar days. Bonuses that are not redeemed within 180 calendar days of the date they were made available to the recipient may be subject to forfeit. Recipient is responsible for any applicable federal, state or local taxes associated with receiving the bonus offer; consult your tax adviser to determine applicable tax consequences. Bonus offer is for new customers only.
Savings over the life of your loan assumes same or shorter loan terms and/or interest rates on your refinance, and may not be representative of your situation. Actual savings, if any, may vary based on interest rates, balances, remaining repayment of terms and other factors.
1. The minimum monthly payment of $100 while in the Residency Period may not pay all of the interest due each month, which will likely result in negative amortization and a larger principal balance when you enter the Full Repayment Period. Dental residents and fellows are unable to receive additional tuition liabilities for the duration of their Residency Period; see SoFi.com/eligibility for details. See APR examples and terms SoFi.com/medical-resident-refinance/medical-resident-refinance-rates. SoFi refinance loans are private loans and do not have the same repayment options that the federal loan program offers such as Income Based Repayment or Income Contingent Repayment or PAYE or REPAYE. In addition, federal student loans offer deferment and forbearance options that are not available for SoFi Lending Corp. or an affiliate Medical or Dental Resident Refinance Loan borrowers.
† The rates displayed may include a 0.25% autopay discount.