Student loan lenders

Lender	Best for	Credit check	Fees	Terms	Fixed APR	Variable APR	Min. credit	Offer
ELFI Sponsored	Soft-pull prequalification and no listed application fees	Soft pull to see rates	No app, origination, or prepay fees listed	5 to 20 years	From 4.49% APR, as listed	From 4.74% APR, as listed	680+	Check your rate
Credible Editorial	Comparing multiple refinance lenders in one flow	See Credible disclosures for soft vs hard pull	Credible states no borrower fees	Varies by participating lender	Marketplace ranges change; confirm in Credible flow	Marketplace ranges change; confirm in Credible flow	Varies by lender	Lender overview
Splash Financial Editorial	Comparing refinance offers from a lender network	Rate check marketed as no credit impact	See lender disclosures in Splash flow	Varies by participating lender	From 4.29% APR for student refinance, as listed	See Splash for live range	Varies by lender	Lender overview
SoFi Editorial	Soft-pull rate check and fixed or variable refinance paths	Soft pull to see rates	See SoFi disclosures	5 to 20 year examples listed	From 4.49% APR, as listed	See SoFi for live variable range	See SoFi	Lender overview
Juno Editorial	Negotiated group deals on student loans and refinance	See Juno	Free for members per Juno	See Juno offer	Confirm on lender site	Confirm on lender site	See Juno	Lender overview
Earnest Editorial	Custom payment options and no listed fees	Soft pull to check rate	No fees of any kind listed	Customizable terms on Earnest's page	From 4.65% APR with autopay discount, as listed	From 5.88% APR with autopay discount, as listed	See Earnest	Lender overview

Partner and editorial facts checked 2026-11-13. APR figures are recopied from official pages with that as-of date and can change. Live rates and eligibility come from the lender. Publisher payouts are never shown. Refinance hub · All lender overviews · Advertiser disclosure