Don’t let high-interest debt haunt you.

No bones about it, high-interest credit card debt terrorizes year-round. A low-rate, no-fee personal loan could help you save thousands. And for a bonus treat—get up to $1,000 in cash rewards.

View your rate

(without impacting your credit score)

Offer ends 11/2/21. Not available to residents of OH.

How it works:

View your rate.

View your rate, then register and apply for your loan by 11/2/21. You’ll also earn $10 in a SoFi Money® account when you view your rate.**

Complete your application.

Complete your application by 11/5/21, then fund your loan.

Download the SoFi app.

Then, enroll in our Rewards program.

Start redeeming points. Boo!-Ya!

You’ll get 1% back of your loan amount in SoFi Rewards after 60 days (up to $1,000).

Terms and conditions

Savings so good, it’s scary.

See how you could save thousands with a low-rate SoFi Personal Loan.


interest rate credit card



Interest Rate

11.66% APR*

Monthly Payment


5-Year Interest




Interest Rate

19.49% 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 11.66% APR, which is the rounded average funded APR for SoFi Personal Loan borrowers from September 21 2020-September 21 2021. 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 Q1 2021 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. *See back of letter for APR information.

* Click here for APR information

Start tracking your credit score for free and earn up to $10 cash in a SoFi Money® account^.

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