We use machine learning and data to cut borrowing costs for young people
Lowest rates possible
We use proprietary technology to find affordable products for
Monthly payments are adjusted
to meet your needs -- no co-signer required.
Fast and Easy
Simple, secure online process, with human backup when you need
Before utilizing QuadFi’s services I was paying more than double the
interest rates -- affecting me financially and mentally.
When I had concerns about my refinancing, QuadFi called me back and
assured me that they would hold the same rate for me for the remaining amount that I
wanted to refinance
I’ve already told all of my classmates who had taken out an education loan
to apply to QuadFi for refinancing to save money.
QuadFi had a very transparent process that helped me quickly identify how
much I could refinance at what rates, and their customer service team was super
responsive whenever I reached out with questions before submitting my application.
The rates are fantastic! I'm going to save thousands of dollars over the
life of my loans and have them paid off years earlier than I would have otherwise
The customer service and responsiveness has been top notch, and I love
that QuadFi is willing to help people find refinancing solutions the major banks aren't
willing or able to provide.
The whole experience with QuadFi has felt very personal and transparent -
not at all my experience working with the major banks. I'd recommend QuadFi without
Visit our FAQ page for more answers, or contact us
To check the rates and terms we can offer you, QUAD-FI conducts a soft credit
check that will not affect your credit score.
If you decide to continue with your application, we will request your full credit report
from one or more consumer credit reporting agencies, which is considered a “hard” credit
check. This can have an impact on your score.
On the other hand, taking a loan and paying it off on time will contribute positively to
We always ask for your permission before contacting third parties.
Once approved, we need to verify your information with a few documents. If
relevant, we’ll ask for your employment, assets, and academic records. These can be
submitted easily and will be reviewed by our model, without any human bias.
We offer a choice of terms and rates. Generally, the longer you take to pay off
the loan, the more interest you will pay – although your monthly payments may be
Our interest rates for refinancing start from a minimum of 3%.
QUAD-FI uses a unique model that incorporates several factors including
alternative financial data and academic performance. This produces a tailored and
uniquely accurate rate for each applicant.
We do not charge origination fees, payment processing fees or prepayment penalties under
any of our loans. The only fees there may be would be associated with collecting
defaulted loans (but we haven’t had any to date).
If you have a thin or stale credit file, or are new to the country, most banks won’t
consider you for a loan. We’re different.
We use a unique risk-rating model, which incorporates several factors, including
educational performance, and offers an accurate rate for each individual. We offer low
interest rates and flexible loan terms to meet your needs.