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Apr 3, 2024 · Read U.S. News' expert review on NaviRefi, a student loan servicer. NaviRefi is ideal for borrowers who are looking for better interest rates or more simplified payments.
Have a question about refinancing your student loans? Read our FAQs or give us a call today.
Dec 28, 2023 · For borrowers who qualify, NaviRefi student loans have minimal fees and relatively low interest rates. This lender is a good option if you are struggling with high-rate student loans and want to refinance. Our NaviRefi student loan review highlights the key features, pros and cons of this lender.
- Pros Explained
- Cons Explained
- Student Loans Offered by Navirefi
- Loan Eligibility and Approval
- Loan Fees and Repayment Options
- Customer Service
- Applying For A Navirefi Student Loan
- Final Verdict
- Methodology
Low rates for refinancing student loans:NaviRefi offers loans with rates as low as 5.19% for variable and fixed.No origination, prepayment, or late payment fees:NaviRefi charges no origination fees on loans, and doesn’t charge any prepayment or late payment penalties.Loan terms from 5 to 20 years in length:Loans can be 5, 10, 15, or 20 years in length, giving you flexibility with your monthly payment. Rates are lower for shorter-term loans.Application process takes less than five minutes: NaviRefi advertises that loans can be approved in just three minutes, making the application process much shorter than most lenders. This is due to...Invitation-only to existing Navient customers:NaviRefi is only available to customers that currently have a loan being serviced by Navient.Navient has a poor reputation for deceptive lending practices:Navient was recently dropped as a loan servicer for FedLoans, and had to discharge $6 billion in a settlement with over 200,000 borrowers.Requires hard credit inquiry to see rates:While NaviRefi offers reasonable rates, you cannot see your rate estimate without a hard inquiry, which may impact your credit score.Cannot use a co-signer: NaviRefi does not offer loans with a co-signer, which may make it harder for some individuals to qualify.Student Loan Refinancing
NaviRefi only provides student loan refinancing through a private invitation from Navient. Unlike some lenders, NaviRefi offers loans to students who did not complete their degree. Interest rates are reasonable, and the minimum amount required to finance is relatively low at just $5,001 ($10,001 in California). NaviRefi does not allow co-signing on loans.
To qualify for a student loan refinance with NaviRefi, you must meet the following eligibility requirements: 1. Provide an invitation code 2. Live in the District of Columbia or a state that NaviRefi lends in (all but Nevada) 3. Be the age of majority as defined by state of residence 4. Be a United States citizen or non-citizen permanent resident o...
Loan Fees
NaviRefi doesn’t charge origination, prepayment, or extra payment fees. There are also no penalties for late payments.But NaviRefi does not disclose whether there are fees for returned payments, collections, or even loan applications or disbursements (most lenders don’t charge for applications or disbursements).
Loan Discounts
NaviRefi applies a 0.25% discount if you set up autopay on your account. This is the only discount available, and the 0.25% discount is included in the advertised rates on the website.
Repayment Options
NaviRefi has multiple repayment options, with multiple term lengths available. 1. Standard full payment: Refinanced loans typically follow a standard principal and interest repayment schedule, based on the loan term selected. 2. Deferred payment: NaviRefi offers deferment for certain circumstances, including going back to school at least half-time, military service, internship, residency, or fellowship programs. Deferment must be applied for and is approved on an individual basis. 3. Rate red...
NaviRefi offers simple help documentation on its website, though the information is sparse. Borrowers and applicants can also access support via email or over the phone at (866) 210-2576. Customer support hours are Monday through Friday from 8 a.m. to 8 p.m. Eastern Time. Navient, the parent company of NaviRefi, received 1,162 complaints in 2022 (o...
Applying for a NaviRefi student loan refinance can be done online or over the phone. You will need to submit your Navient referral code as well as personal and financial information. NaviRefi claims the process only takes about three minutes, though it may take you time to track down all of the information required. Some of the information you will...
NaviRefi is a simple option for Navient customers to refinance their private or federal student loans. NaviRefi offers a quick application process and no loan origination, prepayment, or late fees. Navient (the parent company) has a rocky history with lawsuits and deceptive lending practices, and you can’t see your rates without a hard credit pull....
Investopedia is dedicated to providing consumers with unbiased, comprehensive reviews of personal loan lenders. To rate providers, we collected hundreds of data points across more than 40 lenders, including interest rates, fees, loan amounts, and repayment terms, to ensure that our reviews help users make informed decisions for their borrowing need...
- Jacob Wade
Feb 2, 2024 · Updated Feb 02, 2024. 11-min read. Reviewed by Kristen Barrett, MAT. View Rates. Refinancing with NaviRefi is no longer limited to borrowers with student loans from Navient and an invitation code. Could lead to lower interest rates or more repayment flexibility. No fees to refinance your student loans.
Oct 24, 2023 · Refinance. Student Loan Rating. 3.5 of 5. Check Rates. Fixed APR i. 4.99% - 9.74% Variable APR i. 5.81% - 9.74% Repayment Terms. 5 years to 20 years. Important Information. Rewards: 0.25% interest rate reduction with autopay. Eligibility: Degree not required to refinance.
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Read Expert Reviews & Compare Student Loan Refinancing Options. Click Now & Apply Online! Get Instantly Matched With the Ideal Student Loan Refinancing Option for You. Apply Now!
Compare the Best Student Loan Refinance Providers. Consolidate Loans and Lower Your Rate. Compare Low Rates & Save When You Refinance. Check Rates Instantly. Apply Today.
sofi.com has been visited by 10K+ users in the past month
No Origination Fees or Prepayment Penalties. Choose Rates & Terms Suited For You. Low Fixed Rates From 5.24% APR With Autopay. Now Is the Time To Refinance With SoFi®.
