Marketplace disclosure
Splash Financial is a lending marketplace and is not a bank or a direct lender. We do not make credit decisions, originate loans, or fund loans. Loan amounts, rates, and terms are provided by third-party lending partners — banks and credit unions — and any loan agreement you sign is with the lender you select.
Advertiser & compensation disclosure
The Site is a free comparison service. We may receive compensation from lending partners when a visitor submits a loan request or a loan is originated through the Site. This compensation may affect which partners appear and where, but it does not affect the rate or terms any lender offers you, and it never adds any cost to your loan. We are not able to display every available lender or product in the market.
Credit inquiry disclosure
Checking your rate through the Site uses a soft credit inquiry, which never affects your credit score. If you accept a specific offer, the lender will perform a hard credit inquiry as part of final underwriting, which may temporarily lower your score by a few points. See our guide on soft vs. hard credit pulls for details.
Rates, terms & representative example
Loans available through the marketplace range from $200 to $5,000 with terms commonly between 12 and 36 months (shorter terms may be offered on smaller amounts). Representative APRs range from approximately 9.99% to 29.99% depending on credit profile, income, state, and lender. Your actual rate is set by the lender’s offer.
Representative example: a $2,000 loan repaid over 24 months at 21.90% APR would cost about $103.66 per month — $2,487.78 in total. Examples are for illustration only and are not an offer of credit.
State availability
Offer availability, minimum loan amounts, and terms vary by state and by lender, and the service is not available in all states. The application will show what is actually available for your state of residence. Lending partners hold the licenses required in the states where they lend; the lender’s name and licensing information appear on your loan agreement before you sign.
Funding time disclosure
“Funds in as little as 1 business day” describes the fastest typical outcome after a lender approves and verifies an application. Actual timing varies by lender, verification, and your bank’s processing, and is not guaranteed.
Educational content disclosure
Payment tables, calculator results, and articles on the Site are educational estimates based on standard amortization math and representative APRs. They are not offers of credit, quotes, or financial advice, and your actual offers may differ.
Questions
For questions about any disclosure on this page: [email protected].