*Borrow Better Week: Additional terms and conditions apply. Limited time 0.50% rate drop applies to Personal Loan and Student Loan Refinancing applications started between 10/19/2026 at 11:00 AM ET and 10/25/2026 at 11:59 PM ET . For SoFi Small Business Loans, applications must be fully submitted between 10/19/2026 at 11:00 AM ET and 10/25/2026 at 11:59 PM ET. To receive the Home Equity rate drop, you must lock your rate with SoFi between 10/19/2026 at 11:00 AM ET and 10/26/2026 at 9:00 AM ET. Offer is subject to lender approval and must meet all underwriting criteria. Promotion does not include mortgage loan purchase, mortgage refinance, or HELOC applications.
^Top Home Equity Loan Provider: Source: Curinos, Inc. August 2026 Home Equity Channel Originations Analytics.
According to recent market data, SoFi originated more closed-end home equity loans (by loan balance volume with DTI up to 50%) than any of the banks included in the report. This measure excludes non-bank lenders and credit unions, and excludes lender volume of open-end home equity lines of credit.
†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 Bank, N.A. NMLS #696891 (Member FDIC), offers loans directly or we may assist you in obtaining a loan from Spring EQ, a state licensed lender, NMLS #1464945. All loan terms, fees, and rates may vary based upon your individual financial and personal circumstances and state. You should consider and discuss with your loan officer whether a Cash Out Refinance, Home Equity Loan or a Home Equity Line of Credit is appropriate. Please note that the SoFi member discount does not apply to Home Equity Loans or Lines of Credit not originated by SoFi Bank. Terms and conditions will apply. Before you apply, please note that not all products are offered in all states, and all loans are subject to eligibility restrictions and limitations, including requirements related to loan applicant’s credit, income, property, and a minimum loan amount. Lowest rates are reserved for the most creditworthy borrowers. Products, rates, benefits, terms, and conditions are subject to change without notice. Learn more at SoFi.com/eligibility-criteria. Information current as of 8/17/26. In the event SoFi serves as broker to Spring EQ for your loan, SoFi will be paid a fee. Equal Housing Lender.
1To qualify, you must submit an application and lock your rate between 9/10/26 and 9/18/26 and meet all SoFi credit, property, and underwriting requirements. Eligible borrowers will receive a promotional rate and a waiver of the standard $1,495 origination fee at closing. Must not have locked rate in the last 90 days. Not valid for HELOCs or non-SoFi originated home equity loans. Cannot be combined with any other discount, promotion, or fee waiver, including SoFi Plus or direct deposit-related discounts. Rates are subject to change. Additional terms and conditions apply. SoFi reserves the right to modify or terminate this offer at any time.
2Approximately half of borrowers are ready to close within 7 days of submitting a completed application with supporting materials (based on Jan 1–Mar 31, 2026 data).