5 Best Student Loan Refinance Lenders, Expert Tips, Lowest Rates

Rank	Lender	Interest_Rates_	Loan_Amounts____
1		3.94%* – 9.99%	$5,000 – No Max
	Splash Financial Review: Splash has competitive rates, but they start slightly higher than the top lenders. Splash also offers unique 8 and 12 year repayment terms.	Application + Up to $500 Bonus
2		4.86% – 8.44%	$10,000 – No Max
	ELFI Review: ELFI routinely offers excellent interest rates. Even though ELFI is new, it is the product of a regional bank that has been in business for decades.	Application + $150 Bonus
3		4.49% – 9.99%	$5,000 – No Max
	SoFi Review: SoFi is the biggest name in student loan refinancing for a simple reason – their rates are reliably among the best on the market.	Application
4		4.29% – 9.73%^	$5,000 – No Max
	Earnest Review: The rates advertised by Earnest are among the best, but in head to head comparisons, Earnest often falls short in actual rates offered. Earnest scores points because it has by far the most flexibility on loan repayment length.	Application + $150 Bonus^
5		4.68% – 9.12%	$5,000 – $300,000
	LendKey Review: LendKey partners with local banks and credit unions to provide their loans. The end result is competitive rates provided by local reputable businesses.	Application + $150 Bonus

Rank

Lender

Interest_Rates_

Loan_Amounts____

3.94%* – 9.99%

$5,000 – No Max

Splash Financial Review: Splash has competitive rates, but they start slightly higher than the top lenders. Splash also offers unique 8 and 12 year repayment terms.

Application
+ Up to $500 Bonus

4.86% – 8.44%

$10,000 – No Max

ELFI Review: ELFI routinely offers excellent interest rates. Even though ELFI is new, it is the product of a regional bank that has been in business for decades.

Application
+ $150 Bonus

4.49% – 9.99%

$5,000 – No Max

SoFi Review: SoFi is the biggest name in student loan refinancing for a simple reason – their rates are reliably among the best on the market.

Application

4.29% – 9.73%^

$5,000 – No Max

Earnest Review: The rates advertised by Earnest are among the best, but in head to head comparisons, Earnest often falls short in actual rates offered. Earnest scores points because it has by far the most flexibility on loan repayment length.

Application
+ $150 Bonus^

4.68% – 9.12%

$5,000 – $300,000

LendKey Review: LendKey partners with local banks and credit unions to provide their loans. The end result is competitive rates provided by local reputable businesses.

Application
+ $150 Bonus