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SoFi Checking and Savings® is a checking and savings account, which is a brokerage product, offered by SoFi Securities LLC. Member FINRA/SIPC. SoFi Securities is an affiliate of SoFi Bank, N.A.

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† 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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‡ Get up to $1K in cash rewards for a SoFi Personal Loan offer: Terms and conditions apply. Limited time offer for SoFi Personal Loan applications started before 11/2/2021 at 11:59pm ET. Not available to residents of Ohio. To receive the SoFi Rewards points offer, you must: (1) register and apply for a SoFi personal loan by 11/2/21 at 11:59pm ET; (2) complete your application by 11/5/21 at 11:59pm ET; (3) fund your loan; (4) have your loan in good standing for at least 60 days; (5) and accept SoFi Member Rewards (“the Program”) Terms and Conditions by enrolling in the Program through the SoFi app. Once conditions are met, after 60 days of your loan in good standing, you will receive 1 SoFi Rewards point for every $1 funded of your Personal Loan amount, in your SoFi Rewards account. Each SoFi Rewards Point can be redeemed as $0.01 when redeeming for any of the following: (i) any promotional offer listed on the “Redeem Points” page, or (ii) cash deposited into your SoFi Checking and Savings Account, (iii) shares (fractional or whole shares) credited to your SoFi Invest Account, or (iv) cash applied to the outstanding balance of your SoFi Student Loan Refinance or SoFi Personal Loan. Please Note: Although SoFi Rewards Points are redeemable as cash to be applied as described above, they are not cash and cannot be transferred to a third party. Your Rewards Points also can’t be transferred by operation of law, such as by inheritance, in bankruptcy or in connection with a divorce. You will forfeit your entire SoFi Rewards Points balance if your Personal Loan is cancelled for any reason. Terms and conditions apply. Learn more at SoFi.com/rewards. Bonus amounts of $600 or greater 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. SoFi reserves the right to change or terminate the offer at any time with or without notice.

** SoFi Lending $10 Check Your Rate on a Personal Loan (“Promotion”): The Promotion is offered by SoFi Lending Corp. or an affiliate (dba SoFi). SoFi reserves the right to change or terminate this Promotion at any time with or without notice to you. No purchase necessary to participate. Additional terms and conditions may apply. Promotion is void where prohibited by state law.

Eligible Participants: The Promotion is open to anyone who resides within the United States and is of the age of majority in the state in which they reside. To receive a $10 bonus in a SoFi Checking and Savings account through the Promotion you must agree to a soft credit pull on www.SoFi.com to check your rate for the following SoFi product: Personal Loan. Checking your rate will not affect your credit score. If you later decide to submit an application and agree to a hard credit pull your credit score may be impacted. Participants will receive the $10 bonus regardless of whether or not they are pre-qualified for a SoFi loan product. In order to be eligible for the promotion, the participant must have an open SoFi Checking and Savings account or apply to open a SoFi Checking and Savings account within 60 days after earning the bonus. Those who have already received a $10 or $20 bonus for checking their rate on a Personal Loan, Student Loan Refinance or Home Loan in the 2021 calendar year are not eligible for this promotion. SoFi employees are not eligible to participate in this Promotion. Notwithstanding the above, SoFi reserves the right to exclude any consumer from participating in the Promotion for any reason, including suspected fraud, misuse, or if suspicious activities are observed.

Promotion Period: The Promotion is available beginning at 12am Eastern Time on July 31st, 2021. Participants are limited to one (1) bonus between the Personal Loan, Home Loan and Student Loan Refinance product per calendar year and three (3) per household.

Payout: Eligible participants will receive the $10 bonus within a SoFi Checking and Savings account. If the participant does not have a SoFi Checking and Savings account, they must apply for SoFi Checking and Savings in order to receive payout. If the participant is rejected for a SoFi Checking and Savings account, SoFi will fulfill the bonus via ACH transfer pending completion of a W9 form by the applicant.

Tax Consequences: Bonus amounts of $600 or greater 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.

*Fixed rates from 4.99% APR to 19.63% APR (with autopay). SoFi rate ranges are current as of August 11, 2021 and are subject to change without notice. Not all rates and amounts available in all states. See Personal Loan eligibility details. Not all applicants qualify for the lowest rate. Lowest rates reserved for the most creditworthy borrowers. Your actual rate will be within the range of rates listed above and will depend on a variety of factors, including evaluation of your credit worthiness, income, and other factors. See APR examples and terms. The SoFi 0.25% AutoPay interest rate reduction requires you to agree to make monthly principal and interest payments by an automatic monthly deduction from a savings or checking account. The benefit will discontinue and be lost for periods in which you do not pay by automatic deduction from a savings or checking account.

^ SoFi $10 Start Tracking Your Credit Score offer: Terms and conditions apply. This offer is only available to new SoFi users without existing SoFi accounts. It is non-transferable. One offer per person. To receive the Rewards points offer, you must successfully complete setting up Credit Score Monitoring. Rewards points may only be redeemed into SoFi accounts such as cash in SoFi Checking and Savings or loan balances, Stock Bits, fractional shares and cryptocurrency subject to program terms that may be found here: SoFi Member Rewards Terms and Conditions. SoFi reserves the right to modify or discontinue this offer at any time without notice.

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 and meet SoFi’s underwriting requirements. Not all borrowers receive the lowest rate. Lowest rates reserved for the most creditworthy borrowers. If approved, your actual rate will be within the range of rates at the time of application and will depend on a variety of factors, including term of loan, evaluation of your creditworthiness, income, and other factors. If SoFi is unable to offer you a loan but matches you for a loan with a participating bank then your rate may be outside the range of rates listed above. Rates and Terms are subject to change at any time without notice. SoFi Personal Loans can be used for any lawful personal, family, or household purposes and may not be used for post-secondary education expenses. Loans originated by SoFi Lending Corp. or an affiliate (dba SoFi) are subject to state restrictions and may not be available in all states, such as MS; see SoFi.com/eligibility for details and state restrictions. Minimum loan requirements might be higher than $5,000 in specific states due to legal requirements and interest-rate caps may be lower in some states due to legal requirements and may impact your eligibility to qualify for a SoFi loan. The average of SoFi Personal Loans funded in 2020 was around $32K. Information current as of 10/6/21. Loans originated by SoFi Lending Corp. or an affiliate, licensed by the Department of Financial Protection and Innovation under the California Financing Law License No. 6054612. NMLS #1121636 (www.nmlsconsumeraccess.org).

Personal Loan Rates and Terms: Fixed rates from 4.99% APR to 19.63% APR reflect the 0.25% autopay discount. SoFi Personal Loans are not available to residents of MS. Minimum loan requirements might be higher than $5,000 in specific states due to legal requirements. Interest-rate caps may be lower in some states due to legal requirements and may impact your eligibility to qualify for a SoFi loan. SoFi rate ranges are current as of 10/6/21 and are subject to change based on market conditions and borrower eligibility. Not all applicants qualify for the lowest rate. Lowest rates reserved for the most creditworthy borrowers. Your actual rate will be within the range of rates listed and will depend on the term you select, evaluation of your creditworthiness, income, and a variety of other factors. If SoFi is unable to offer you a loan but matches you for a loan with a participating bank, then your rate may be outside the range of rates listed above. The SoFi 0.25% autopay interest rate reduction requires you to agree to make monthly principal and interest payments by an automatic monthly deduction from a savings or checking account. The benefit will discontinue and be lost for periods in which you do not pay by automatic deduction from a savings or checking account. Autopay is not required to receive a loan from SoFi.

PERSONAL LOAN | REPAYMENT EXAMPLE. The following example depicts the APR, monthly payment and total payments during the life of a $30,000 personal loan with a 2-year repayment term, a 0.25% autopay discount, and a fixed rate between 4.99%–19.63%. It works out to 24 monthly payments ranging from $1,316.01–$1,484.57 for a total amount of payments ranging from $31,584.18–$35,629.57. This repayment example assumes that the borrower is signed up for autopay and that all payments are made on time, with no pre-payments. Actual rates may vary based on repayment term, loan amount, creditworthiness, and other terms and conditions. SoFi does not offer variable rate personal loans. State restrictions may apply. ©2021 Social Finance, Inc. All rights reserved.