Meet some of our happy customers who are saving money, shortening loan terms, and saving for the future.

“I’m not sure the exact dollar amount I saved, but I went from 7.86% down to +/- 3%. I am 100% dedicated to getting my loans paid off as soon I can. The customer service was excellent. If you guys did home and auto loans I would be using your serivce as well! I love the experience and the personal relationship.” – Sara W.



“I am saving $222 a month now on my 10-year loan. I’m using my savings towards a down payment for a house. I loved how easy this was and I felt like they genuinely cared about me.” – Jennifer D.

“My interest rate was lowered by an average of 4-4.5%, so I am saving $2000+ a year on my $50,000 loan. My plan is to use this money to pay off my college debt earlier than planned. I was very pleased with the ease of uploading documents; all in all, it was a good system and customer experience.” – Jan F.

“I found the website looking online for loan consolidation. I’m now saving $274 per month and I plan on spending it for rent in a new house. The customer service was excellent throughout the entire process.” – Andrew C.

“The average interest rate I was paying on the government funded loans decreased approximately 4%. This will be approximately $37,000 in interest savings. My experience with the customer service personnel at ELFI was great – they made sure I understood each and every step of the process and kept me informed of the status of my loan.” – Lauren P.

“I chose ELFI because they gave me the lowest interest rate. I am now saving $500 each month, which I am going to use to contribute to my 401(k) and my ROTH IRA. I have told all of my friends with loans about ELFI. One thing that was special about my service with ELFI is that there is no pre-payment fee.” – Shelly L.

“I went from a 30-year loan at 6-8% to a 5-year loan at 3.49%. I’ll save close to $200,000, which I’ll use to pay off my house and save for retirement. The first bank I went to seemed indifferent to helping me, but ELFI was always going above and beyond to help me get my loan approved. I’ve recommended ELFI to several of my friends.” – Andrea C.

“I had been making on time payments [on my student loans] for eight years and found myself deeper in debt than the original loan because of variable interest rates. Before refinancing to a fixed rate loan, I was 26 years away from being debt free. ELFI just gave my family a light at the end of the tunnel. Now, my monthly payment is basically the same as before, but I’ll be debt free in 10 years.” – Nikki F.

“I was able to shorten my repayment term by five years, while still making the same payment. And, it is a simple interest loan that allows me to easily pay ahead on the principal. With my savings, I will be able to pay off my student loans faster and this gives me peace of mind! It was very convenient – everything was done online. Fast, simple, easy, great service, and great rates. It doesn’t get any better than this. Each month I see the reduction in principal on my loan and it makes me feel good.” – Julia S.

“ELFI’s customer service was great, and they didn’t make too many phone calls or send to many emails. The process was very easy compared to other companies.” – Ashleigh S.

“ELFI had great customer service – very efficient and simple and a good interest rate. I’m saving $2000 per month now.” – Danny R.

“I went from a 6% loan for 30 years to a 4% loan over 7 years so I am saving a ton of interest. This will allow me to pay the loan off sooner and put that money towards vacations! The customer service was great; everyone was extremely helpful and kind.” – Emily D.

“I had a reduction of 6.5% to 3.99% and am going to save the savings. Customer service was very prompt and responsive.” – Shabnam J.

“This company provided the best rates. The refinance took a notable amount off of my interest. I will use the savings to continue to pay off my loans.” – Jeffery F.

“They were the lowest rate and monthly payment. I am saving over $250 per month and they have been helpful and responsive” – Daniel R.**

“I chose ELFI because of a Student Loan Hero recommendation. I’m making the same minimum payment but shaving a year off my loan. The staff was fantastic and had great customer service skills. No long waits on the phone was a very pleasant surprise.” – Dylan B.

*The preceding statements are all statements from actual customers and they were not compensated or paid for their testimonials.
**Individual rates are based on factors such as credit history and will be determined upon application.

Apply today to see how much you could save.