How the Splash Financial Referral Bonus Works
Splash Financial’s current refer-a-friend program pays out in two ways, according to their own referral page as of our last check:
The $200 bonus applies to student loan refinancing specifically — Splash’s other products (like personal loans) aren’t eligible for the referral reward.
Splash Financial is a student loan refinancing marketplace that connects you with credit unions and banks competing for your business, rather than lending directly itself. As of our last check, their site lists fixed rates starting around 3.99% APR for standard refinancing and around 4.99% APR for medical/dental school loans, though your actual rate depends on your credit and loan details. Checking your rate uses a soft credit pull, so it doesn’t ding your score.
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Getting Your $200 Splash Sign-Up Bonus
Sign up through this link to get a personal Splash referral link of your own.
Have your friend check their rate (no impact to their credit) and complete a refinance of $30,000+ within 90 days.
Applied automatically through our link — no code needed.
You and your friend each receive the $200 bonus once the refinance closes.
Repeat with more friends — there’s no cap mentioned on how many times you can earn the referral bonus.
- $200 for a completed refinance. You and your friend each earn $200 when they refinance at least $30,000 in student loans within 90 days of signing up through your link.
- $10–$20 per rate check, before anyone refinances. Splash also pays out smaller amounts just for friends checking their rate: $10 for each of your first 10 rate checks, $15 for the next 10, and $20 per rate check after that.
Worth knowing before you refinance anything: federal student loans lose federal protections (income-driven repayment, forgiveness programs, federal deferment) once refinanced with a private lender like the banks and credit unions on Splash’s marketplace. It usually makes the most sense for borrowers who don’t expect to need those protections and just want a lower rate.
Related: SoFi Bank Sign-Up Bonus.
About Splash Financial Student Loan Refinancing
Frequently Asked Questions
How much is the Splash Financial referral bonus?
$200 for you and $200 for your friend, when they refinance at least $30,000 in student loans within 90 days of signing up through your link. Confirmed on Splash’s own referral page as of our last check.
Is there a minimum loan amount?
Yes, $30,000 must be refinanced for the $200 bonus to trigger. Smaller refinances don’t qualify for that specific reward, though the rate-check bonuses ($10–$20) don’t require a minimum.
Does the referral bonus apply to personal loans too?
No. Splash’s referral program is for student loan refinancing only; personal loans and other Splash products aren’t eligible.
Will refinancing hurt my credit score?
Checking your rate uses a soft credit pull, which doesn’t affect your score. A hard pull typically only happens if you move forward with the actual refinance application.
Is there another loan refinancer with a referral bonus?
Yes — we also track SoFi’s signup bonus, another lender that refinances student loans.
No code to type.
The link is the deal at Splash Financial.
$200 Referral Bonus — applied automatically through our Splash Financial link.
Claim the Splash Financial offer