Splash Financial personal loans: APR, fees and requirements
What Splash Financial publishes about its personal loans (8.99% to 35.99% APR), checked on the lender’s own pages, and how its starting rate compares with the other lenders on our list.
| Lender type | Online lender |
|---|---|
| APR range | 8.99% to 35.99% |
| Loan amounts | Not published |
| Repayment terms | 24 to 84 months |
| Origination fee | 0% to 15% |
| Minimum credit score | Not published |
| Funding time | Typically one to two business days after completing the application; may take up to two weeks |
| Availability | Not all rates and amounts available in all states. |
How the lender states its rates: “Splash marketplace loans offer fixed rates between 8.99% APR to 35.99% APR and terms of 2 to 7 years. Our lowest rate may include a 0.25% autopay discount for the shortest loan term. ... Rates as of September 17, 2026.”
How the starting rate compares
The lowest advertised APR, 8.99%, ranks 21 of 33 among the lenders on our list (1 is the lowest). The Federal Reserve's average for a 24-month personal loan at commercial banks was 11.90% (August 2026). Only borrowers with strong credit get a lender's lowest rate.
Similar lenders
Achieve
Online lender
- APR
- 6.25% to 35.99%
- Loan amounts
- $5,000 to $50,000
- Origination fee
- 1.99% to 9.99%
Avant
Online lender
- APR
- 9.95% to 35.99%
- Loan amounts
- $2,000 to $35,000
- Origination fee
- Varies
Best Egg
Online lender
- APR
- 6.99% to 35.99%
- Loan amounts
- $2,000 to $50,000
- Origination fee
- 0.99%-9.99%
Checked on October 16, 2026 on the lender's website. Rates and terms change: confirm before you apply. splashfinancial.com/personal-loans