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Personal Loans

Low rates.
No hidden fees.
Personal loans
made easy.

Fixed personal loan rates range from 5.49% to 14.24 APR (with AutoPay)5.

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Checking your rate will not affect your credit score.

Pay off credit cards or invest in a major purchase

Are you paying more than 10% 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.

Why Choose A SOFI Personal Loan?

Serious
Savings

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.

Exclusive
Rates

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

Easy
Experience

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

Community
Benefits

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

Better
Credit

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

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Personal Loan Comparison6

Here's how SoFi Personal Loans compare

SoFi Lending Club Discover Personal Loan Credit Cards
APR range

Fixed Rates

5.49% - 14.24%

(with AutoPay)5

5.99 - 35.89% 6.99 - 24.99% 12.00 - 22.86%6
Fees No Hidden Fees 1 - 5% Origination Fee No Fees 3% Balance Transfer Fee
Term 3, 4, 5, 6 or 7 years 3 or 5 years 3, 4, 5, 6, or 7 years Rolling
Instant Pre-Approval Yes Yes No Varies
Amount $5,000 - $100,000 $1,000 - $40,000 $2,500 - $35,000 Varies
Unemployment Protection4 Yes No No No
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So Easy

Find Your Rate

Get pre-approved 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 wired to your account.

Get Started

Trust And Security

25 Billion
in funded loans

444,000
members in our growing community.

256-Bit SSL
encryption to keep your information safe.
SoFi is regulated by the Consumer
Financial Protection Bureau

Personal Loan Calculator

See how much you can save when you pay off your existing debt with a SoFi personal loan.

Calculate Savings

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

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Equal Housing Lender