Purefy Student Loan Refinancing review

Purefy is a comparison platform rather than a lender. Graduates enter their details once and see prequalified offers from participating lenders in a sortable chart of rates, terms and monthly payments, with no effect on their credit score. According to its disclosure, participating lenders offer fixed rates of 4.49% to 9.74% APR and variable rates of 5.09% to 9.74% APR for student loan refinancing, and none of them charge origination fees or prepayment penalties. Using Purefy is free, and the company discloses that it is paid by lenders when a loan closes. The site also offers a Parent PLUS refinance flow and several calculators, including a refinance savings calculator. It ranks below Splash because its page does not list which lenders take part or the terms they offer, so you learn the details only after you request rates. The 4.49% floor is also no lower than applying to SoFi directly, so Purefy's value is saving time when you want to compare quotes.

Who it is for

borrowers who want to see several prequalified rates side by side

Price

Free to compare; participating lenders' fixed rates 4.49% to 9.74% APR, no origination fees.

For student loan refinancing, the participating lenders offer fixed rates ranging from 4.49% – 9.74% APR, and variable rates ranging from 5.09% – 9.74% APR.
Quoted from the vendor pricing page on November 13, 2026.

Key features

• Participating lenders offer fixed rates of 4.49% to 9.74% APR and variable rates of 5.09% to 9.74% APR
• Prequalified results in about 2 minutes with no impact on credit
• Sortable chart compares rates, terms and monthly payments
• No fees to use the platform and no origination fees or prepayment penalties from participating lenders
• Separate Parent PLUS refinance option and calculators

Strengths and weaknesses

• Strength: Fixed ceiling of 9.74% APR is lower than SoFi's or Splash's
• Strength: Compare offers without filling in several applications
• Strength: Purefy says it will never sell your personal information
• Weakness: Purefy is not the lender and is compensated by lenders when you complete a loan
• Weakness: The lender list and terms are not published on the page
• Weakness: Starting rate of 4.49% APR is not lower than applying to SoFi directly

Key facts

• Fixed APR: 4.49% to 9.74%
• Variable APR: 5.09% to 9.74%
• Type: Rate comparison platform
• Cost to compare: Free
• Fees: No origination fees or prepayment penalties from participating lenders

Where it ranks

Purefy Student Loan Refinancing is No. 7 in our Best Student Loan Refinance Lenders verdict.