Compared with high-interest debt, a SoFi Personal Loan is simply better.
✓ Low fixed rates. ✓ Get $5K to $100K¹ as soon as the same day you’re approved.* ✓ Unemployment Protection for peace of mind.²
See rates in 60 seconds with no impact to your credit and no commitment.†
Where’s my confirmation #?
Your confirmation # is a 14—digit code on the right hand side of the SoFi offer you received in the mail.
Don’t worry—checking your rate will not affect your credit score.†
Best Personal Loan of 2023
SoFi’s Personal Loan was named NerdWallet’s 2023 winner for Best Online Personal Loan. Come see why.
Low Fixed Rates
Compared to high-interest credit cards, a SoFi Personal Loan is a better way to pay and save. Borrow $5K-$100K and consolidate your debt into one manageable monthly payment.
View your rate in 60 seconds—without affecting your credit score. Apply online from start to finish and get access to live, U.S.-based customer support, seven days a week.
Whether you’re consolidating high rate credit card debt, covering a major expense or renovating your home, you’ll be able to get your funds as quickly as the same day your loan is approved.
Awards or rankings are not indicative of future success or results. Neither SoFi Bank, N.A. nor its employees paid a fee in exchange for ratings. Awards and ratings are independently determined and awarded by their respective publications.
†︎ 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.
1 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 other eligible status, be residing in the U.S., and meet SoFi’s underwriting requirements. SoFi Personal Loans can be used for any lawful personal, family, or household purposes and may not be used for post-secondary education expenses. Minimum loan amount is $5,000. Additional terms and conditions may apply. Lowest rates reserved for the most creditworthy borrowers. The average of SoFi Personal Loans funded in 2022 was around $30K. Information current as of 02/03/23. SoFi Personal Loans originated by SoFi Bank, N.A. Member FDIC. NMLS #696891 (www.nmlsconsumeraccess.org). See SoFi.com/legal for state-specific license details.
* Same-Day Personal Loan Funding: 82% of typical SoFi personal loan applications, excluding Direct Pay personal loans and personal loan refinance, from January 1, 2022–January 1, 2023 that were signed before 7pm ET on a business day were funded the same day.
2 If you become involuntarily unemployed, modified payments may be applied for a maximum of 12 months, in aggregate, over the life of the loan. Additional terms and conditions apply; see SoFi.com/faq-upp