Best Student Loan Refinance Lenders for Bad Credit 2020

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Below are the best online lenders, banks, credit unions that refinance student loans. Finding the best student loan for you require shopping around. But the time that you spend can save you a lot of money. Many studies show that student overpay for their loans. ElitePersonalFinance helps you save a lot of money. Try our lenders and see how much you can save.

There are hundreds of lenders. That is why we highly recommend that you start your research from: SuperMoney and Credible. These are the best student loan comparison sites. Register with them, it’s free and apply. These sites work with thousands of student loan lenders. They will instantly match you with many student refinance lenders and try find you the best.

NameAmountTermsFixed APRVariable APR
Highly Recommended

Credible

$1,000 / $100,000

Information Not Available / Information Not Available

Undergrad / Grad Max Loan

4.99%-
35.99%

Fixed APR

Variable APR

Not Available

Super Money

$1,000 / $100,000

No Max

Undergrad / Grad Max Loan

4.99%-
35.99%

Fixed APR

Variable APR

Not Available

LendKey

$125k / $250k

Undergrad / Grad Max Loan

No Max

Undergrad / Grad Max Loan

3.49%-
8.36%

Fixed APR

2.01%-
8.88%

Variable APR

Earnest

No Max

No Max

Undergrad / Grad Max Loan

3.45%-
6.99%

Fixed APR

1.41%-
6.49%

Variable APR

PenFed

$7,500 / $3,00,000

5, 8, 12, or 15

Years

3.87%-
7.03%3

Fixed APR

3.02%-
7.76%3

Variable APR

Laurel Road Bank

No Max

Undergrad / Grad Max Loan

No Max

Undergrad / Grad Max Loan

3.50%-
7.02%

Fixed APR

2.25%-
6.65%

Variable APR

Discover Student Loans

Information Not Available

/ 150k

Undergrad / Grad Max Loan

No Max

Undergrad / Grad Max Loan

3.99%-
6.99%

Fixed APR

4.24%-
7.49%

Variable APR

Highly Recommended

SoFi

$150k / $150k

Information Not Available / Information Not Available

Undergrad / Grad Max Loan

4.50%-
7.00%

Fixed APR

Variable APR

Not Available

Citizens Bank

$10,000 / $500,000

5,7,10,15,202

Term (Years)

3.45%-
9.49%

Fixed APR

2.15%-
9.29%2

Wells Fargo

$3,000 / $100,000

12 – 60 months

Term (Years)

5.24%-
22.99%

Fixed APR

Not Available

splash-financial

$5,000 / $No Max

5 - 20

Term (Years)

3.48%-
7.02%

Fixed APR

2.25%-
7.60%

Variable APR

Commonbond

$5,000 / $500,000

5, 7, 10, 15, or 20

years

3.21%-
7.24%

Fixed APR

2.02%-
7.09%

Variable APR

Education Loan Finance

No Max

Undergrad / Grad Max Loan

No Max

Undergrad / Grad Max Loan

3.14%-
6.69%

Fixed APR

2.39%-
6.01%

Variable APR

Risla

$100k / $250k

Undergrad / Grad Max Loan

No Max

Undergrad / Grad Max Loan

3.49%-
7.64%

Fixed APR

Variable APR

Not Available

Ufi

$5,000 / $2,25,000

5, 10, 15, 20, 25

Term (Years)

3.70%-
5.76%

Fixed APR

2.65%-
6.04%

Variable APR

College Ave

$5,000 / $1,50,000

5 – 203

Term (Years)

3.54%-
6.24%3

Fixed APR

2.74%-
6.24%3

Variable APR