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Credible Operations, Inc. NMLS ID# 1681276 |
NMLS Consumer Access | Licenses and Disclosures | Not available in all states. Prequalified rates are not an offer of credit.
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1 Annual Percentage Rates (APR) displayed are those disclosed by lenders, and rates and terms are subject to change. Interest rates offered by lenders may depend on your credit profile, loan term, changes to underlying interest rate index, and other factors. Credible has relied solely upon lender information, which may change at any time. Credible assumes no responsibility for typographical or other errors or omissions in the information provided.

When making a decision on the offers provided to you by lenders, Credible strongly recommends that you carefully review the terms of each offer (which are provided by the lenders) and seek advice to ensure that you are making an informed decision based on your own financial circumstances. Accepting an offer from a lender is solely your decision and responsibility.

Credible is not a lender or a broker and makes no representations or warranties about your eligibility for a particular loan. All credit decisions, including loan approval and the rates, terms and other costs of the loan you are offered, are the sole responsibility of the lenders and may vary based upon the lender you select. While Credible seeks to provide a wide choice of options, we remind users that there may be additional borrowing, consolidation and/or refinancing options available. We may receive transaction fees when a user selects a product from a partner lender. There is no additional cost to a user who selects a loan presented by one of our partners. Further information about revenue arrangements can be found in our Terms of Use and FAQ.

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† Borrowers can re-pay $1 per month during their residency and fellowship training for a maximum period of 84 months. For the residency or fellowship loans the APR ranges from 5.34%-5.44% (with the 0.25% autopay discount) or 5.54% APR (without the autopay discount). The autopay discount is not available while a borrower is in residency or fellowship, if the loan is not in repayment, or when Splash Financial is unable to successfully withdraw funds from the payer’s bank account. By choosing the $1 per month option, borrowers can reduce their monthly payments by $3k-$6k during their training period (calculated by comparing borrowers’ estimated annual government REPAYE payments of $250-$500 per month to borrowers’ payments under Splash Financial’s $1 per month payment option over the same time period). If you choose to make $1 per month payments, all unpaid principal and interest amounts are capitalized at the end of each month during the $1 per month repayment period, and therefore borrowers will pay more over the life of the loan with the $1 per month repayment option than if a different repayment option is selected. For example, a refinance loan with a 5.39% APR on a $180,000 principal balance, a 36-month training period with payments of $1 per month will have a 10-year repayment term after training is complete with payments of $2,315 per month.