Education Loan Finance

ELFI is a division of Tennessee-based SouthEast Bank, designed to assist borrowers with student loan refinancing as well as with undergraduate, graduate and parent private student loans.

104 N Seven Oaks Dr, Knoxville, Tennessee, 37922


We’re a national private lending company with deep roots in supporting education.

We make financing your future simple by offering easy payment options, affordable rates, and flexible terms in an application process that is transparent and secure*. Ready for something truly different? You’ll never go it alone. When you apply, you’ll receive a Personal Loan Advisor, an expert ready to walk you through the application process and answer any questions along the way. Our focus on providing exceptional customer service and support has resulted in a 4.9 out of 5 stars on Trustpilot and an award for Best Student Loan Refi Companies for Customer Service for 2019 by NerdWallet.

SouthEast Bank’s parent holding company, Education Loan Finance, Inc., is a not-for-profit organization that has a longstanding (25 years) commitment to higher education. That commitment has led to more than $20 million provided in scholarships, as well as financial literacy curriculum offered to local high schools. Giving back to our community is paramount at ELFI. For us, “Empowering A Brighter Future” is more than a tagline, it’s a promise.

*Subject to credit approval. Terms and conditions apply. SouthEast Bank is Member FDIC.

MON 08:00am - 08:00pm
TUE 08:00am - 08:00pm
WED 08:00am - 08:00pm
THU 08:00am - 08:00pm
FRI 08:00am - 05:00pm
SAT 10:00am - 04:00pm
SUN 10:00am - 04:00pm

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