Splash

Splash is an AI-enabled lending marketplace that connects consumers with a network of credit unions and banks. We use automated loan processing technology to simplify the borrowing experience.

We offer various loan products, including student loan refinancing (with fixed rates starting from 4.24% APR), personal loans (with fixed rates from 8.99% APR), and home equity lines of credit (HELOCs, with variable rates from 6.50% APR, allowing borrowers to access up to $500,000). We also provide in-school student loans and medical student loan refinancing (with fixed rates from 6.14% APR), where eligible borrowers can pay $100 a month during training and for six months afterward.

Since our founding in 2013, we have helped over 125,000 people refinance more than $6 billion in loans. We expanded our product offerings to include solutions for credit card debt in 2022 and launched our HELOC product in 2025.

Our mission at Splash is to make people more powerful than their debt. We aim to simplify and speed up the loan process by combining a hybrid marketplace model with automated underwriting to match individuals with offers from banks and credit unions.

Splash was founded in 2013 and has between 51 and 200 employees. The company operates in a remote-first environment. Its culture emphasizes collaboration, transparency, accountability, rapid execution, and a startup mindset. Splash aims to be a workplace where talented individuals can make an immediate impact, take big swings, and feel a sense of belonging.

We offer fully remote work options. Our employee benefits include competitive salary packages, flexible paid time off (PTO) in addition to 9 company holidays, and equity sharing. We provide comprehensive and affordable insurance benefits, paid parental leave for both caregivers, and essential equipment for our employees. A 401(k) plan is available for future savings. We also organize quarterly meet-ups, both in-person and virtual, and provide company merchandise.