Student loan refinance lenders offering the lowest APRs typically only do so for borrowers with the best FICO scores. For example, minimum FICO scores allowed to obtain the lowest APRs range between 650 and 680 depending on the lender.

Granted, exceptions might be made for borrowers with lower FICO scores if all other aspects of their applications are nearly perfect. This is not guaranteed, however. Therefore, it is always best to know your FICO score in advance of submitting any applications. If you need to raise it, take steps to do so for a minimum of six consecutive months prior to submitting your first application.

Most refinance lenders provide a useful loan rate and term calculator on their company websites. This helps you understand the best loan offer you might receive from a particular company. When researching rate quotes it is highly advisable to comparison-shop between multiple lenders.

This is possible to do by visiting each lender’s respective website. Another excellent option is to visit websites such as this one to view rate quotes between top student loan refinance lenders all in one convenient location.

Some of the lowest student loan refinance rates available to qualified borrowers at the time of this writing are offered through Credible. Credible is not an actual lending institution, however. Credible is an online lending marketplace, with services provided to consumers free-of-charge. Online lending marketplaces are also sometimes referred to as rate-comparison websites or services.

Credible connects you with student loan refinance offers from SoFi, Citizens Bank, Advantage Education Loans, Brazos, PenFed and nine more. Getting quotes from these fourteen student loan refinance lenders through Credible is quick, simple, and free. Best of all the process will not adversely impact your FICO score or chances of obtaining loans from other lenders. At the time of this writing Credible’s lowest lending partner is offering a 2.15% APR to borrowers with a 660 minimum FICO score for up to $500,000 (5-20 year terms available).

Additional top student loan refinance lenders, their best rates, terms, and conditions are as follows:

CommonBond Lending (APRs starting at 2.26% w/autopay; loans between $5,000 and $500,000; 5-20 year terms; 680 minimum FICO).

Splash Financial (APRs starting at 2.30% w/autopay; loans between $25,000 and $500,000; 5-25 year terms; 650 minimum FICO).

Citizens (APRs starting at 2.44% w/autopay; loans between $10,000 and $500,000; 5-20 year terms; minimum FICO undisclosed).

Earnest (APRs starting at 2.44% w/autopay; loans between $5,000 and $500,000; 5-20 year terms; 650 minimum FICO).

Education Loan Finance (APRs starting at 2.47% w/autopay; loans between $15,000 and $500,000; 5-20 year terms; 680 minimum FICO).