†To check the rates and terms you may 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.
SoFi Relay offers users the ability to connect both SoFi accounts and external accounts using Plaid, Inc.’s service. When you use the service to connect an account, you authorize SoFi to obtain account information from any external accounts as set forth in SoFi’s Terms of Use. Based on your consent SoFi will also automatically provide some financial data received from the credit bureau for your visibility, without the need of you connecting additional accounts. SoFi assumes no responsibility for the timeliness, accuracy, deletion, non-delivery, or failure to store any user data, loss of user data, communications, or personalization settings. You must confirm the accuracy of Plaid data through sources independent of SoFi. The credit score is a VantageScore® based on TransUnion® (the “Processing Agent”) data.
1$20 in rewards points: The promotion above (the “Promotion”) is subject to the following terms:
The Promotion is only available to new SoFi users without an existing SoFi product, but may already have a registered SoFi account. You will receive a bonus of 2,000 SoFi rewards points (the “Bonus”) if you enroll in SoFi’s Credit Score Monitoring using Lillian’s link, www.sofi.com/financial-insights/lillian, during the promotion period. Only one bonus per person. Rewards points may only be redeemed toward active SoFi accounts subject to terms for Rewards: SoFi Member Rewards Terms and Conditions. This Promotion begins on 9/15/2025 at 12:01 AM ET and will end on 12/15/2025 at 11:59 PM ET. SoFi will disburse the rewards points to the member’s SoFi rewards account after seven (7) business days of completing all required activities.
Taxes: Bonuses may be considered income and may be reportable on IRS Form 1099-INT, 1099-MISC, or Form 1042-S as applicable. Recipient is responsible for any applicable federal, state, or local taxes associated with receiving the bonus offer; consult with your tax advisor to determine applicable tax consequences.
Other Important Details: SoFi reserves the right to exclude any members from participating in this Promotion for any reason, such as suspected fraud, misuse, or suspicious activity. SoFi also reserves the right to modify or end the Promotion at any time.
SoFi Member Rewards: All terms and conditions applicable to the use of SoFi Member Rewards apply. To learn more about SoFi Member Rewards, please see the Rewards page.
Property tracking: Property tracking shows market value data on a specific property for use by the owner to help monitor your investment. Value estimations are provided monthly by our partner, Kukun, and are based on application of valuation models to available property data from other similar nearby properties, local data and market conditions. Unreported home improvements may not be reflected in your home value estimations. Property Tracking is provided on an “as is, as available” basis with all faults and defects, with no warranty, express or implied. Estimated values provided by Relay should not replace appraisals or other professionally provided estimates, and are not for resale or commercial use.
Many factors affect your credit scores and the interest rates you may receive. SoFi is not a Credit Repair Organization as defined under federal or state law, including the Credit Repair Organizations Act. SoFi does not provide “credit repair” services or advice or assistance regarding “rebuilding” or “improving” your credit record, credit history, or credit rating. For details, see the FTC’s website on credit.
Screen images simulated. For illustrative purposes only.
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