So the life of your loan isn’t your life

Refinance your federal and private student loans and you
could save around $14K2.

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A dream mortgage for your dream home

With 10% down mortgages, you’ll get
your dream home sooner.

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So high interest won’t interfere
with other interests

Personal loan fixed rates start at 5.50% APR (with AutoPay).

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Experience Smarter Lending

You’re constantly moving forward - you deserve a lender that looks forward with you. SoFi is a leading marketplace lender focused on accelerating your success, with student loan refinancing, mortgages, mortgage refinancing, and personal loans. Unlike traditional lenders, we offer a suite of benefits to help our members get ahead. No wonder we've been trusted to fund over $3 billion in loans to date.

Why SoFi?

Unique
Products

A suite of products geared towards individuals. Lower rates and flexible terms you can’t find anywhere else.

Easy
Experience

Simple online application and access to live customer support 7 days a week. No application fees.

Member
Benefits

A network of like-minded people. Career support, unemployment protection3 and entrepreneur programs.

Hear From Our Members

With benefits like career coaching, unemployment protection3 and entrepreneur programs, our members have a lot to say.

SoFi Member
“SoFi had competitive rates, excellent customer service and an easy process using the latest technologies.”

Kyle Lui

Northern California

Mortgage
SoFi Member
“The process was so easy and the turnaround was extremely fast, enabling me to meet a tight payment deadline.”

Susan Devine

Southern California

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

Dr. Jared Pool

University of the Pacific

Student Loan Refinancing
SoFi Member
“I was so impressed that I moved my loans to SoFi and became part of the Entrepreneur's Program.”

Jen Kessler

Stanford

Student Loan Refinancing
SoFi Member
“SoFi customer service was fantastic - I got replies immediately either by email or phone.”

Sushil Vundavalli

University of Texas, Austin

Student Loan Refinancing
SoFi Member
“SoFi really caters to first-time homebuyers with personalized customer service, competitive rates and a very simple process.”

Jeff Patmont

Northern California

Mortgage
View Member Stories

How We Do It

Our unique approach to underwriting takes a number of dimensions into consideration, including professional accomplishments, income, and education, so we can keep your debt as low as our rates.

Employment
History

Income

Credit
Rating

Education

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SoFi chosen as one of the CNBC Disruptor 50 for 2015
CNBC Disruptor 50
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Equal Housing Lender