Checking your rate will not affect your credit score✝.
Apply through this page to get your $300 bonus when you refinance*. Get started by checking your rates in just two minutes. Aside from great rates and an easy experience, we also offer awesome benefits. We’re here when you need us.
Bonus amounts in a single calendar year may be reported to the Internal Revenue Service (IRS) as miscellaneous income to the recipient on Form 1099-MISC in the year received as required by applicable law. Recipient is responsible for any applicable federal, state or local taxes associated with receiving the bonus offer; consult your tax advisor to determine applicable tax consequences.
Have Parent PLUS loans? Learn more about Parent PLUS refinancing.
No origination fees in most states, no prepayment penalties. Whether you’re looking to pay off loans sooner or get a lower monthly payment (maybe even both), we offer a range of rates and terms. Choose what works for you.
Rates start from 5.99% APR to
9.99% when you enroll in AutoPay.1
Rates available from 4.24% APR to
8.87% when you enroll in AutoPay.1
Low fixed and variable rates. No application or origination fees.
SoFi is one of few lenders that can consolidate and refinance both federal and private loans (in a snap).
If the unexpected happens, we’ll temporarily pause your loan payments and help you in your job search.
Our coaches will help you advance in your career, build a personal brand, negotiate your salary, and more.
Finances and investments can be confusing. Our Wealth advisors are here to help you make sense of it all.
If you have questions, our friendly customer support team is standing by to help you through the process—seven days a week.
Our quick pre-approval process lets you know if you qualify before you complete the full application.
Compare the plans available to you with specific payments, rates, and terms.
Easily upload documents via screenshots or smartphone photos, then sign your paperwork electronically.