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- People who need to borrow up to $50,000
- People who need a quick decision
- People who want access to a marketplace of personal loan options
Because Splash is a marketplace, lending criteria come from its lending partners and will vary. To apply for a personal loan with Splash, you need:
- A basic checking account or savings account
- U.S. citizenship (or eligible residency)
- Pay stubs or other proof of income
- A valid ID
- A written statement indicating your reason for borrowing
Splash Financial offers unsecured personal loans from $3,000 to $50,000. None of its lenders accept co-signers. Splash notes that its personal loans “are solely for personal, family, or household purposes and are not permitted to be used to purchase or refinance the purchase of real estate, securities or other investments. Personal loans may not be used for business purposes, to finance post-secondary education expenses, for short-term bridge financing or any illegal purpose.”
Splash Financial says that its lenders generally look for credit scores that range from average to excellent – about 680 or higher. However, Splash says that if your credit score is lower than that, you still may be able to qualify for a personal loan with a higher interest rate.
Because Splash’s lending partners impose their own guidelines and set their own rates, your best bet is to prequalify by clicking the purple “Check Your Rate” box on Splash’s personal loans page. You’ll create an account and complete a simple form, providing details about how much you want to borrow and how you’ll use the money. You’ll also indicate your employment status, the number of credit card cash advances you’ve taken in the last six months, your housing situation and monthly cost, date of birth, citizenship and phone number. This does not create a hard credit inquiry, so it’s risk-free to you.
You’ll then review whatever offers you receive from Splash’s network of lenders. If you like one, you can apply formally, which creates a hard inquiry. The lender may request documentation from you like a pay stub or bank statement to finalize your approval and fund your loan.
Splash Financial personal loans are available in 49 states, but not all rates and amounts are offered in every state.
Splash Financial is a loan marketplace based in Cleveland. Founded in 2013, the company began as a service for refinancing student loans before expanding to personal loans.
Splash Financial is a marketplace for personal loans, not a direct lender. It shops its network of bank and credit union partners to get rates and products for borrowers. Here’s how to apply.
- Prequalify on the Splash Financial website to determine what products and rates are available to you. Prequalification does not affect your credit score.
- Provide personal information to see offers.
- Select a loan that meets your needs.
- Submit an online application. Applying generates a hard credit inquiry that drops your credit score by up to five points.
- Wait for approval. Splash Financial saves the application and any documents you’ve uploaded so you can return and access them any time.
- Sign your loan documents.
- Receive your funds, typically in one to two business days. However, in some cases, it may take up to two weeks to receive funds.
Splash Financial has an “excellent” customer service rating based on about 1,800 Trustpilot reviews. In 2025, the Consumer Financial Protection Bureau received only two personal loan-related complaints about Splash Financial. One complaint received a timely response and one was closed with an explanation.
