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Recommended Student Refinancing 

ODs on Finance Partnerships with Re-Fi Lenders The Best and lowest Rates + Cash Back for You


Great news! Aaron and Dat were able to negotiate and advocate for the best term rates and cash back bonuses for all ODs on Finance members/users looking to refinance their student loans.

Need Help on How to Manage your Student Loans?

FREQUENTLY ASKED QUESTIONS ABOUT STUDENT LOAN REFINANCING

Want to Compare Lenders and Rates?

[Financial Disclosure] Some of the links below are affiliate links, meaning, at no additional cost to you, we will earn a commission if your application is approved. Any profits are used to fund our site and books to help educate future young doctors in achieving their financial freedom 

LendKey- $300-$750* Bonus

We are excited to partner with Lendkey in offering them one of the lowest rates out there! 

Benefits: 

  • Simple, consistent and transparent which allow you to compare 100s of lenders in under 2 minutes to get the best rate

  • Lowest current offered APR rate: 1.9% Variable/ 3.49 Fixed 

  • Forbearance and discharge on death/disability is dependent on individual lenders

  • Click here for ODonFinance Members Special Rate: Get up to $750 bonus for loans over $150K, $300 Bonus if less than $150K loan

Requirements: 

All States eligible except for  NV, ME, ND, WV, RI.

 


Credible- $300-$750*  Bonus 

We are excited to have Credible on board, which is an online marketplace that provides Optometrists with competitive, personalized loans from multiple, vetted lenders in real time!


Benefits: 

  • Free, fast and able to compare prequalified rates from multiple lenders under 2 minutes, without affecting your credit score. Get a final offer as little as 1 business day! 
  • Credible’s partner lenders do not charge prepayment penalties, loan application fees, or origination fees.

  • Forbearance and discharge on death/disability is dependent on individual lenders

  • Lowest current offered APR rate (with Autopay*) 2.31% Variable/ 3.03 Fixed

  • Click here for ODonFinance Members Special Rate: Get up to $750 bonus for loans over $100K, $300 Bonus if less than $100K loan

Requirements: 

  • All States eligible

*Disclaimer: To receive welcome bonus, ODs on Finance members must refinance a balance over $100K. Bonus is paid via e-giftcard. In order to qualify for the $750 bonus, the amount refinanced must be equal to or more than $100,000. Your loan must be completed through disbursement by the partner lender and not later cancelled. Borrowers who refinance a balance below $100,000, will receive a $300 bonus.

Splash Financial- $500 Bonus

We are excited to join with Splash Financials to help out Optometrists with the lowest possible rate! Dat and Aaron were able to negotiate one of the lowest and best deals for our wonderful  ODsonFinance members! 


Benefits: 

  • Fast and easy application online without affecting your credit score

  • No application or origination fees, with no prepayment penalties

  • Able to refinance as low as $5000 loan with no maximum limit

  • Forbearance and discharge on death/disability is dependent on individual lenders

  • Lowest current offered APR rate: 1.99% Variable/ 3.48 Fixed

  • Click here for ODonFinance Members Special Rate: Get up to $500  bonus

Requirements: 

  • All States eligible

Earnest- $300 Bonus*

We are excited to have this wonderful lender on our team! Aaron  had the pleasure of knowing the founder of Earnest and can vouch for them/their methodology as an option in your refinancing quest! 


Benefits: 

  • Quick and easy application

  • Analysis of information beyond your credit score, Earnest can provide an instant rate estimate using  data other lenders don’t, such as your savings patterns, investments, and career trajectory—to give you the best possible rate

  • Minimum loan is $5,000, with a max limit of $500,000

  • Forbearance available and Loans are discharged on death or disability

  • Lowest current offered APR rate: 1.89% Variable/ 2.94 Fixed with auto-pay

  • Click here to ODsonFinance Member Special: $300 Bonus* Must refinance greater than $100K using Earnest via our link

Requirements: 

  • All States including DC are eligible except for DE, KY, NV. Can only offer fixed Rate in AK, IL, MN, NH, OH, TN, TX

Client Welcome Bonus Disclosure: Please Click here to read 

Studentloans.com by Brazos: $600 

OD’s on Finance has partnered with Brazos! The nation's largest group of nonprofit student loan organizations. Their unique non-profit expertise and mission allow better rate than the national lenders.  Click on the link to apply on Studentloans!


Benefits:

  • No extra fees: Transparent pricing, zero fees, and some of the best rates available due to non-profit status

  • New Parent Loan and Refinance Loan programs

  • Transparent pricing, zero fees, and some of the best rates available due to non-profit status

  • Forbearance available and Loans are discharged on death or disability

Requirements: 

  • Texas Resident only 
  • Minimum loan amount is $10,000, up to $250,000 with a graduate degree

*Brazos Legal Disclaimer: Please Click here to Read 

Sofi: 0.25% Discount Rate

ODsonFinance has partnered with SoFi to offer flexible financing options for student loan refinancing and personal loans. Whether you want to lower your monthly student loan payment, save money on your total debt, or use a lower cost private loan to pay off a high-interest credit card or make a major purchase, SoFi can help reach your financial goals faster.


Benefits:

  • No extra fees: No application fees, no origination fees, and no prepayment penalties for paying off your loan early.

  • Easy Experience: Apply in minutes online to refinance your loans or borrow for any kind of personal use.

  • Support when needed: Access to live customer support 7 days a week.

  • Membership perks: Exclusive networking events, access to free financial planning, educational workshops and more.

  • Forbearance available and Loans are discharged on death or disability

  • Lowest current offered APR rate: 2.31% Variable/ 3.46 Fixed with auto-pay


  • Click here for ODsonFinance Member Special Rate: 0.25% Rate Discount*, only for new applicants

Requirements: 

  • All States eligible

*Sofi Legal Disclaimer: Please Read for more details

CommonBond: $400 Bonus

We have joined forces with CommonBond to help young optometrist take charge of their finances! 


Benefits: 

  • Fast and easy application online without affecting your credit score

  • No application or origination fees, with no prepayment penalties


  • Social Impact: For every loan funded, They will fund a child’s education in the developing world.

  • Forbearance available and Loans are discharged on death or disability

  • Lowest current offered APR rate: 2.14% Variable/ 3.21 Fixed with auto-pay


  • Click here for ODsonFinance Member Special Rate: Get up to $400 Bonus Sign up

Requirements: 

  • Minimum loan is $5,000, with a max limit of $500,000
  • All States eligible

First Republic- $300 Bonus

We are ecstatic to partner with First Republic. In addition to student loans services, they offer amazing banking services! They really values one-on-one client relationships.  They currently offer the LOWEST fixed rate out there.  Additionally, our co-founder Dat re-financed his student loans with FR and uses their bank services, so he can personally vouch for them!


Benefits: 

  • Free, easy and quick application process with a dedicated loan advisor

  • Earn back the interest paid on your loan (up to 2.00% of the original loan balance) when you pay in full within four years.

  • 0.50% rate discount for maintaining 10% of your approved loan amount, or $5,000, whichever is greater, in your checking account. Also, a 0.75% rate discount for maintaining 20% of your approved loan amount, or $10,000, whichever is greater, in your checking account.

  • No charge origination, annual or prepayment fees on your loan.

  • Forbearance is not available + Loans are not discharged on death or disability

  • Lowest current offered APR rate: 1.9 %  Fixed

  • Click here for ODonFinance Members Special Rate: Get up to $300  bonus

Requirements:


  • Must Open a First Republic ATM rebate Checking account and maintain a certain balance 

  • Must be near one of its Bank locations: California (Bay Area San Francisco, Palo Alto, Mountain View, Newport Beach, Palm Desert, Los Angeles, San Diego, and Santa Barbara), Boston MA, Portland OR, Jackson WY, Greenwich CT, Palm Beach FL, New York, NY

  • *First Republic Legal Disclaimer: Please Click here to Read 

Any Questions or Concerns, please read Frequently asked questions (FAQ) and  as always, please don't hesitate to contact at ODsonFinance@gmail.com 

LENDER

ODsOnFinance Discount

Lowest Current Rate Offered

Click Below to get Started!

$300-$750

1.9% Variable/ 3.49 Fixed

$300-$750

2.31% Variable/ 3.03 Fixed

$500

1.89% Variable/ 3.03 Fixed

$300

1.89% Variable/ 2.94 Fixed

$600

3.87% Variable/ 3.10 Fixed

0.25% Discount Rate

2.31% Variable/ 3.46 Fixed

$400

2.14% Variable/ 3.21 Fixed

$300

1.9 % Fixed

Frequently Asked Questions About Student Loans Refinancing Referrals

Common Member Questions

GENERAL

CREDIT AND OTHER FINANCIAL QUESTIONS

CASH BONUS AND DISCOUNTED RATE FOR MEMBERS

OTHER QUESTIONS FOR DAT AND AARON