Student Loan Refinance

The fastest, easiest way to refinance your student loans

Refinance your student loans while rates are low. Take advantage of variable rates starting at just 1.923% APR.1  navigates to the related disclosure

Pre-qualification does not affect your credit score.2  navigates to the related disclosureThe advertised rate includes an autopay discount of 0.25%.

Apply in 5 minutes. Get refinanced in 5 days.

100% Paperless, no hassle

Save time with our automated application process. Just link your accounts and we’ll take care of the rest.

Save money, fast and easy3  navigates to the related disclosure

Good credit could earn you a better rate. Minimize your debt by refinancing your student loans at low interest rates.

Member support team

We’re here to help, simply give us a call Monday through Saturday 6am until 6pm PST (888) 819-6388.

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Minutesto apply

Daysto apply

Online income & asset verification

Manual income & asset verification

Paperless application

Manual upload of docs

We gather the necessary documents for you

Do you know where your pay stubs are?

Get refinanced in 5 days

Funding in weeks

Not to brag, but we’re faster than traditional lenders

Old systems and processes take longer

Powered by blockchain

Blockchain helps improve financial transactions (behind the scenes) to make them more efficient, secure, and less costly. With Figure, you can save time and money!

Refinance and pay off your student loans faster

No prepayment or origination fees

We’re trying to lower your debt, not add to it.

Auto-pay discount

Make life easier. Enjoy a 0.25% APR discount when you set up auto-pay.

Forbearance

Life can be tough sometimes, that’s why we offer up to 12 months of forbearance.

Pre-qualification does not affect your credit score.2  navigates to the related disclosure

Ready to get started?

1

Get pre-qualified in a few clicks

Tell us a little bit about yourself. We’ll immediately generate your pre-qualification rate that won’t affect your credit score.2  navigates to the related disclosure

2

Apply in 5 minutes

We automate the gathering and verification of documents. Simply link your accounts, submit application, and we’ll do the rest. All your data is secure with 256-bit encryption.

3

Refinance in as few as 5 days

Get refinanced in as few as 5 days. It’s your time to minimize student loan debt and maximize your potential. Because you deserve it.

Pre-qualification does not affect your credit score.2  navigates to the related disclosure

Questions? We’re here to help.

US Citizens or Permanent Residents that have graduated from a four year or graduate Title IV school.

You may request to borrow anywhere from $5,000 to $250,000 through our loan application. We offer 5, 7, 10, 15, and 20-year terms.

We have no origination or prepayment fees, nor any late fees - but you should pay on time so your credit score isn’t impacted.

Checking your rate will not affect your credit score. However, if you decide to take a loan, we may need to conduct a hard credit pull which may affect your credit.

If you have a steady income, good creditworthiness, and high interest rates on your existing loans, you should consider refinancing as soon as possible.

There are several repayment plans available to assist in managing your student loan account wih requirements based on your circumstances. View our Notice Regarding Student Loan Repayment Options.

Who is eligible?

US Citizens or Permanent Residents that have graduated from a four year or graduate Title IV school.

How much can I borrow?

You may request to borrow anywhere from $5,000 to $250,000 through our loan application. We offer 5, 7, 10, 15, and 20-year terms.

What are the fees?

We have no origination or prepayment fees, nor any late fees - but you should pay on time so your credit score isn’t impacted.

Will checking my rate hurt my credit score?

Checking your rate will not affect your credit score. However, if you decide to take a loan, we may need to conduct a hard credit pull which may affect your credit.

When should I refinance my student loans?

If you have a steady income, good creditworthiness, and high interest rates on your existing loans, you should consider refinancing as soon as possible.

What student loan repayment options are available?

There are several repayment plans available to assist in managing your student loan account wih requirements based on your circumstances. View our Notice Regarding Student Loan Repayment Options.