Earnest
Earnest Loans are offered by Earnest Operations LLC. Earnest Operations LLC, NMLS #1204917. 300 Frank H. Ogawa Plaza, Suite 340, Oakland 94612. California Financing Law License 6054788. Visit www.earnest.com/licenses for a complete list of licensed states. For California residents: Loans will be arranged or made in accordance with a California Financing Law license.
Earnest Money Loans are offered by Earnest Operations LLC in cooperation with the State of Missouri 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 starting immediately after loan disbursement. Variable Annual Percentage Rate (“APR”): A $10,000 loan with a 20-year term (240 monthly payments of $101.46) and a 10.74% APR will result in a total estimated payment amount of $24,350.40. For variable loans, once your initial rate is set, your rate will vary with the market. Fixed APR: A $10,000 loan with a 20-year term (240 monthly payments of $101.46) and a 10.74% APR will result in a total estimated payment amount of $24,350.40. Your actual repayment terms may vary.
The actual rate will vary depending on your financial profile. Fixed annual percentage rates (APR) range from 4.34% APR to 10.24% APR (4.09% – 9.99% with .25% auto payment discount). Variable annual percentage rates (APR) range from 6.13% APR to 10.24% APR (5.88% – 9.99% with .25% auto payment discount). Earnest variable interest rate student loan refinance loans are based on a publicly available index, the 30-day average Secured Overnight Financing Rate (SOFR) published by the Federal Reserve Bank of New York. The variable rate is based on the rate published on the 25th day of the preceding calendar month, or the next business day, rounded to the nearest hundredth of a percent. The rate will not increase more than once a month, but there is no limit on how much the rate can increase at one time. Please note, we are not able to offer variable rate loans in AK, IL, MN, MS, NH, OH, TN and TX. Our lowest rates are only available to our most creditworthy borrowers and require a selection of the shortest terms we offer and enrollment in our .25% auto payment discount from a checking or savings account. Enrollment in Autopay is not required as a condition for approval.
© 2026 Earnest LLC. All rights reserved.
splash financial
See the disclaimer here: https://www.splashfinancial.com/disclaimers/
Splash Financial, Inc. (NMLS #1630038), Licensed by DFPI under California Financing Law, License # 60DBO-102545
terms and Conditions apply. Splash reserves the right to modify or discontinue products and benefits at any time without notice. Products may not be available in all states. Rates and terms are subject to change at any time prior to application submission. The information you provide is a check to determine if Splash’s lending partners can offer you a loan. To qualify, the borrower must be a U.S. citizen or have other qualifying status and meet the lender underwriting requirements. The lowest rates are reserved for the highest qualified borrowers and may require an AutoPay discount of 0.25%. Splash does not guarantee that you will receive a loan offer 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 loan term, creditworthiness, income and other factors. This information is current as of January 8, 2026. You should review the benefits of your federal student loans; It may offer specific benefits that a private refinance/consolidation loan cannot. If you work in the public sector, are in the military or are taking advantage of a Department of Homeland Security federal relief program like 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 payment discount. Rates listed include 0.25% autopay discount.
Annual Percentage Rate (APR) is the cost of credit calculating the interest rate, loan amount, repayment period and payment timing. Fixed APR options range from 4.96% (with AutoPay) to 11.24% (without AutoPay). Variable APR options range from 4.99% (with AutoPay) to 11.14% (without AutoPay). Variable rates are obtained by adding a margin to the 30-day average SOFR index, published two business days before such calendar month, rounded to the nearest hundredth of a percent (0.01% or 0.0001).
payment disclosure. Fixed loans have repayment terms of 5 to 20 years. For example, the monthly payments for a sample $10,000 loan with a 5.47% APR for a 12-year term would be $94.86. Convertible loans have repayment terms ranging from 5 to 25 years. For example, a sample $10,000 loan with a 5.90% APR for a 15-year term would have monthly payments of $83.85.
Bonus Disclosure. terms and Conditions apply. The offer is subject to lender approval. To receive the offer, you must: (1) refinance more than $50,000, $100,000 or $200,000 in student loans depending on the channel partner providing the bonus offer (2) register and/or apply through the referral link provided to you; (3) Complete a loan application with Splash Financial; (4) Must have and provide a valid US address to receive the bonus; (5) and meet Splash Financial’s underwriting criteria. Once the conditions are met and the loan is disbursed, you will receive your welcome bonus via check to your deposited address within 90-120 calendar days. Bonuses that are not redeemed within 180 calendar days from the date made available to the recipient may be forfeited. Bonus amounts of $600 or more in a calendar year may be reported to the Internal Revenue Service (IRS) as miscellaneous income to the recipient on Form 1099-MISC in the year received in accordance with 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 applicable tax consequences. Splash reserves the right to change or terminate this offer at any time with or without notice. Bonus offer is for new customers only.
