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Best-of-the-Best Student Loan Refi Lenders

We spent countless hours reviewing and comparing lenders — many of them are our partners — before selecting the best. Our review process takes into account multiple data points across several categories, including repayment options, customer service, lender transparency, loan eligibility and more.


badge Best Refinancing Lenders: Overall

These lenders offer unique perks, competitive interest rates and a superior underwriting approach.

Lender

Fixed APR

Variable APR

Min credit score

NerdWallet rating

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Fixed APR

3.46-8.24%

Fixed

Variable APR

2.14-8.01%

Variable

Min credit score

660

on CommonBond Student Loan Refinance's secure website

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NerdWallet rating

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Fixed APR

3.45-7.49%

Fixed

Variable APR

2.14-6.79%

Variable

Min credit score

650

on Earnest Student Loan Refinance's secure website

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NerdWallet rating

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Fixed APR

3.46-7.94%

Fixed

Variable APR

2.14-7.94%

Variable

Min credit score

Does not disclose

on SoFi Student Loan Refinance's secure website

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badge Best Refinancing Lenders: Fast Payoff

These standout lenders offer compelling payment options in addition to perks that set them apart from the competition.

Lender

Fixed APR

Variable APR

Min credit score

NerdWallet rating

Show Details

Fixed APR

3.46-7.94%

Fixed

Variable APR

2.14-7.94%

Variable

Min credit score

Does not disclose

on SoFi Student Loan Refinance's secure website

Show Details

NerdWallet rating

Show Details

Fixed APR

3.45-7.49%

Fixed

Variable APR

2.14-6.79%

Variable

Min credit score

650

on Earnest Student Loan Refinance's secure website

Show Details

NerdWallet rating

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Fixed APR

3.48-7.02%

Fixed

Variable APR

2.43-7.60%

Variable

Min credit score

670

on Splash Financial Student Loan Refinance's secure website

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badge Best Refinancing Lenders: Customer Service

With outstanding in-house customer service teams and personalized service, these rise above the rest.

Lender

Fixed APR

Variable APR

Min credit score

NerdWallet rating

Show Details

Fixed APR

3.48-6.03%

Fixed

Variable APR

2.74-7.48%

Variable

Min credit score

670

on PenFed Student Loan Refinance's secure website

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NerdWallet rating

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Fixed APR

3.29-6.69%

Fixed

Variable APR

2.80-6.01%

Variable

Min credit score

680

on Education Loan Finance Student Loan Refinance's secure website

Show Details

NerdWallet rating

Show Details

Fixed APR

3.48-7.02%

Fixed

Variable APR

2.43-7.60%

Variable

Min credit score

670

on Splash Financial Student Loan Refinance's secure website

Show Details

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At NerdWallet, we offer straightforward info and tools to help you make the best possible financial decisions. All for free. So how do we make money? In most cases, when someone applies or gets approved for a financial product we get paid. But that doesn’t sway our opinions.