Take a vacation from high interest rates.

Personal Loan fixed rates start at 5.49% and variable rates
start as low as 4.99% APR (with AutoPay)5.

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Checking your rate will not affect your credit score✝.

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Welcome AMS Clients

Are you paying more than 11% interest on your credit cards? A SoFi Personal Loan could help you save thousands. With a low fixed rate and monthly payment, you can pay off high interest debt, like credit cards, or make a major purchase. It only takes minutes to apply.

Why SoFi?

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 Fees 1 – 5% Origination Fee No Fees 3% Balance Transfer Fee
Term 3, 5, 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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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

Minnesota

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

California

View Member Stories

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

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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 Finance Lender Law License No. 6054612. SoFi loans are originated by SoFi Lending Corp., NMLS # 1121636. (www.nmlsconsumeraccess.org)

✝ 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.

* Payment will be issued electronically once you become a SoFi borrower; you have submitted a completed application with documents and your loan has been disbursed. Offer good for new customers only.
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