Get a no-fee SoFi
Personal Loan.

No origination fees, no pre-payment fees,
and no late fees. Get your loan options in 60 seconds.

Confirmation # required

Where’s my confirmation #?

Your confirmation # is a 13—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.†︎

No fees!

Save thousands with a low-rate
SoFi Personal Loan.


interest rate credit card



Interest Rate

14.31% APR*

Monthly Payment


5-Year Interest




Interest Rate

22.50% APR

Monthly Payment


5-Year Interest


Estimated savings with SoFi


Example chart shows calculations based on a 5 year SoFi Personal Loan with a fixed rate of 14.31% APR, which is the rounded average median funded APR for SoFi Personal Loan borrowers who took out a loan with a 5 year term” from January 1 2022- January 1 2023. Lowest rates are reserved for the most qualified borrowers. The ‘High-Interest Rate Credit-Card’ APR shown is the average credit card APR reported by Wallethub for Q4 2022 under their Good Credit category. The savings estimate also assumes that the borrower doesn’t take out any additional credit card debt during the same period. Both calculations assume 60 total monthly payments and no pre-payment amounts.

* Click here for APR information

No-fee personal loans
for what you need.

Consolidate high-interest debt

Fund a home improvement project

Pay for moving and relocation

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 2021 was around $33K. Information current as of 8/11/22. SoFi Personal Loans originated by SoFi Bank, N.A. Member FDIC. NMLS #696891 ( See for state-specific license details.

†︎ 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.

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