Student Loans Made Simple.
Discover our low rates and fast, no-fee application process for refinancing your student loans or financing your college education.
Simple. Smart. Secure.
There’s a smarter way to manage your student loans. At ELFI, we offer a simple online application process paired with guidance from a Personal Loan Advisor who’s here to help every step of the way. Best of all, you can prequalify in minutes, without it impacting your credit score.
With ELFI, You’ll Never Pay:
• Application fees
• Origination fees
• Prepayment penalties
Pre-qualification does not affect your credit score
PREQUALIFICATION
See personalized rates in minutes, without affecting your credit score.
APPLY
Explore options and choose which plan has the best rates, terms and payments for your needs.
UPLOAD & SIGN
Upload screenshots or smartphone photos of your documents. Then sign your paperwork electronically!
The ELFI Difference
Some of the Lowest
Rates Available
We believe in rewarding financially responsible borrowers by providing some of the lowest rates available.
Expertise That’s Second
to None
Our ELFI management team has over 30 years of expertise in student loans.
Fast and
Easy Process
Secure your personalized loan options in just a few short minutes.
Personal Loan Advisors
Our award-winning customer service team will guide you every step of the way.
Service Coast to Coast
We lend across the entire U.S. and Puerto Rico.
Together we can empower a brighter future. Beyond those we serve through our student loans and refinancing, we are honored to give back to our community through financial literacy programs and academic scholarships that have impacted over 20,000 students.