Low rates. No hidden fees.
We’ve got your back.

Are you paying more than 10% interest on your credit cards? A SoFi Personal Loan could help you save thousands. With low rates and a fixed monthly payment, you can pay off high interest debt, like credit cards, or make a major purchase. It only takes minutes to apply.

Fixed rates start at (with Autopay)5
5.49% APR
Variables rates start at (with Autopay)5
5.21% APR
No origination fees, no prepayment penalties.
Find My Rate

Checking your rate will not affect your credit score.

Why SoFi?


Borrow from $5k-$100k at fixed rates that start at 5.49% APR (with AutoPay)5.

No Fees.
No Catch.

No origination fees or pre-payment penalties. What you see is what you get.


Get a 0.125% rate discount✝✝ on an additional SoFi loan—just for being a member.


Simple online application and access to live customer support 7 days a week.


If you lose your job, we’ll temporarily pause your payments and help you find a new job.4


Borrowers raised their credit scores by 17 points on average when they paid off credit card debt**.

Find My Rate

So Easy

Find Your Rate

Get pre-qualified online with no hidden fees and no obligation.

Select Your Loan & Apply

Choose the loan that works for you and complete your application.

Sign electronically and receive your funds

Sign your documents and funds are deposited to your account.

Get Started

Payment Examples

The following examples depict the APR, monthly payment and total payments during the life of a $30,000 personal loan. All rates below are shown with the Autopay Discount (0.25%)5. Your actual interest rate may be different than the rates in these examples and will be based on term of loan, your financial history and other factors. State restrictions may apply .

Fixed Rate Loans

TermOrigination FeeRate (APR)No. of PaymentsMonthly PaymentTotal Payments
3 YearsNone5.49% - 12.99%36$905.74 - $1,010.67$32,606.64 - $36,384.12
4 YearsNone6.25% - 13.75%48$707.99 - $816.04$33,983.52 - $39,169.92
5 YearsNone7.08% - 14.24%60$595.10 - $701.79$35,706.00 - $42,107.40
6 YearsNone7.88% - 12.88%72$524.17 - $600.25$37,740.24 - $43,218.00
7 YearsNone8.33% - 13.49%84$472.46 - $553.78$39,686.64 - $46,517.52

Hear From Our Members

With serious savings, a seamless online application, and unique community benefits, our members have a lot to say.

SoFi Member
“This has quite possibly been the best experience that I’ve had—easy application process, great rates, and great customer service.“

Christopher Campbell


SoFi Member
“My SoFi personal loan will save me thousands of dollars in interest. The application process was fast and effortless.“

Aviesha Stephens

New York

SoFi Member
“I know I’m making progress and [SoFi has] given me the freedom to invest that money in other assets.“

Susan Devine


View Member Stories

Questions? Call us for a free consultation at 855-456-7634

Find My Rate
SSL Encrypted
Equal Housing Lender