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Personal Loans

Low rates. No fees. Personal loans made easy.

Fixed personal loan rates range
from APR to APR (with AutoPay)5.

Find My Rate

Checking your rate will not affect your credit score.

Pay off credit cards
or invest in home improvements

Are you paying more than 15% interest on your credit cards? SoFi Personal Loans could help you save thousands. With low personal loan interest rates and a fixed monthly payment, you can get loans to pay off credit cards, pay off high interest debt, or make a major purchase. It only takes minutes to apply.

Rest in peace, fees.

Widely known fact: fees are annoying and people hate them. That’s why our personal loans are 100% completely fee-free. That means there are absolutely no fees and no shady hidden fees. You only pay interest.

No origination fees.

No pre-payment fees.

No late fees.*

Why a SoFi
Personal Loan?

No Fees. No Catch.

No origination fees or prepayment penalities. What you see is what you get.

Easy Experience

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

Low rates

Borrow up to $100k with low rates
starting at APR (with

Community Benefits

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


Low rates. No fees.
Easy online application.

No matter your next step, SoFi can help you get there. Here's how easy we've made it:


Find the rate that you qualify for in 2 minutes with no commitment.

Complete your application

When you're ready, complete your online application with help from SoFi loan consultants.

Get your money

Sign your documents, and funds are deposited right to your account.


Common questions

Q: What is a personal loan?+-

A personal loan is money you borrow for any kind of personal use such as paying off credit card debt, investing in home improvements, taking a special vacation, or paying for an engagement ring or wedding expenses. Taking a personal loan can be a smart way to consolidate high-interest rate balances under one monthly rate. To repay the loan, you make monthly payments of principal plus interest. A personal loan gives you the flexibility to make big purchases, then pay it off at a pace that makes sense for you.

Q: Is the SoFi Personal Loan secured or unsecured?+

The SoFi Personal Loan is an unsecured loan. This means that you do not need to provide collateral for the loan.

Q: Am I eligible for a SoFi Personal Loan?+

To be eligible for a SoFi loan, you must be a US citizen, permanent resident or visa holder (J-1, H-1B, E-2, O-1, or TN) 18 years or older, and reside in one of our eligible states. If you are a permanent resident, you have more than 2 years until your status expires, or you have filed an extension. If you are a visa holder, you have at least 2 years remaining until your status expires or you have filed for a renewal, or an application for permanent residency. Loan eligibility also depends on a number of additional factors, such as a responsible financial history, your monthly income vs. expenses, and professional experience. Please review our Eligibility Criteria for further details.

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