A finance company that
can help you get ahead.
That’s SoFi.
Checking your rate will not affect your credit score.✝
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Money Right.™
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Speed matters. Which is why you can check your loan rates or start investing—online and in minutes.
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Transparency is our policy
We’re big fans of the phrase, “what you see is what you get.” No hidden fees, no hidden meanings.
HOW WE WORK
All together now
Our community-first approach means we offer products and services designed to put our members first. Always.
MEMBERSHIP BENEFITS
SoFi membership has its benefits.
Networking experiences—not bank branches.
We regularly host member experiences like dinners, happy hours, educational events, so you can connect with members in the SoFi community.
Over 200+ experiences—free for all SoFi members.
Career services for all members.
Level up your career with access to a suite of services including resume-parsing technology, a personalized strengths assessment and one-on-one career coaching.
100% complimentary for all SoFi members.
Complimentary financial advising.
Put your financial goals in reach with guidance from our team of credentialed advisors.
A $750 value*—no cost for all SoFi members.
Additional rate discounts on loans.
Get a rate discount✝✝ on any additional SoFi loans of a different type—just for being a SoFi member. Those savings can really add up.
Get a 0.125% rate discount just for being a member.
Strangers Talking Money
Watch what happens when people discuss money like they never have before.
Find your rates in
two minutes.
SoFi looks beyond just credit scores to consider factors like career experience,
monthly income vs. expenses, financial history, and education.
This is not an offer, or solicitation of any offer to buy or sell any security, investment or other product. Investing in securities involves risks, and there is always the potential of losing money when you invest in securities. Past performance, historical returns, future projections, and statistical forecasts are no guarantee of future returns or future performance.
The umbrella term “SoFi Invest” refers to the two investment and trading platforms operated by Social Finance, Inc. and its affiliates (described below). Individual customer accounts may be subject to the terms applicable to one or more of the platforms below.
1) Automated Investing—The Automated Investing platform is owned by SoFi Wealth LLC, an SEC Registered Investment Advisor (“Sofi Wealth“). Brokerage services are provided to SoFi Wealth LLC by SoFi Securities LLC, an affiliated SEC registered broker dealer and member FINRA/SIPC, (“Sofi Securities).
2) Active Investing—The Active Investing platform is owned by SoFi Securities LLC. Clearing and custody of all securities are provided by APEX Clearing Corporation.
Neither the Investment Advisor Representatives of SoFi Wealth, nor the Registered Representatives of SoFi Securities are compensated for the sale of any product or service sold through any SoFi Invest platform. Information related to lending products contained herein should not be construed as an offer to sell, a solicitation to buy or a pre-qualification of any loan product offered by SoFi Lending Corp and/or its affiliates.
Neither SoFi nor its affiliates are a bank. SoFi Money® is offered through SoFi Securities LLC.
✝ To check the rates and terms you qualify for, SoFi conducts a soft credit pull that will not affect your credit score. However, if you choose a product and continue your application, we will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit pull and may affect your credit.
Terms and Conditions Apply. SOFI RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS AND BENEFITS AT ANY TIME WITHOUT NOTICE. To qualify, a borrower must be a U.S. citizen or permanent resident in an eligible state and meet SoFi’s underwriting requirements. Not all borrowers receive the lowest rate. To qualify for the lowest rate, you must have a responsible financial history and meet other conditions. If approved, your actual rate will be within the range of rates listed above and will depend on a variety of factors, including term of loan, a responsible financial history, years of experience, income and other factors. Rates and Terms are subject to change at anytime without notice and are subject to state restrictions. SoFi refinance loans are private loans and do not have the same repayment options that the federal loan program offers such as Income Based Repayment or Income Contingent Repayment or PAYE. Licensed by the Department of Business Oversight under the California Financing Law License No. 6054612. SoFi loans are originated by SoFi Lending Corp., NMLS # 1121636. (www.nmlsconsumeraccess.org)
“SoFi Invest” is the brand name for brokerage products and services offered through SoFi Securities LLC (SFS) Member FINRA/SIPC including SoFi Money®, advisory services offered through SoFi Wealth LLC (SFW) an SEC Registered Investment Adviser, and cryptocurrency services offered through SoFi Digital Assets, LLC (SDA). SFS, SFW, and SDA are affiliated companies under the common control of Social Finance, Inc. (SoFi). Neither SoFi nor its subsidiaries are a bank.
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