Renovate now, pay over time.

Borrow up to $100K, with no fees, to tackle your wish list with a home improvement
loan. Rates range from 8.99% APR to 29.49% APR (with AutoPay)5.

Fund Your Project


Checking your rate will
not affect your credit score✝.


Push button, get renovation financing. Borrow up to $100K for your remodelmate project through SoFi and get $200 when your loan is disbursed by applying through this page.*

Rates range from 8.99% APR to 29.49% APR (with AutoPay)5.

Why SoFi?

Easy Experience

No need to wait weeks for an appraisal. Get pre-qualified and receive your funds fast so you can get started right away.

No Fees

Unlike some home equity loans, there are no origination fees, no closing costs, and no costly home appraisals.

No Collateral

Without equity, it’s hard to get a HELOC on a new home. With SoFi, your home is not on the line.

Flexible Amounts

Borrow what you need—as little as $5,000 or as much as $100,000.

Fund Your Project

So Easy

Find Your Rate

Get pre-qualified online with no hidden fees and no obligation.

Select Your Loan & Apply

Choose the loan that works for you and complete your application.

Sign electronically and receive your funds

Sign your documents and funds are deposited to your account.

Get Started

Compare Rates and Terms

The following examples depict the APR, monthly payment and total payments during the life of a $30,000 personal loan. All personal loan APR rates below are shown with the Autopay Discount (0.25%)5. Your actual interest rate may be different than the rates in these examples and will be based on term of loan, your financial history and other factors. State restrictions may apply.

Payment Examples

Fixed Rate Loans

Term Origination Fee Rate (APR) No. of Payments Monthly Payment Total Payments
2 Years None 8.99% – 29.49% 24 $1,370.40 – $1,669.52 $32,889.71 – $40,068.46
3 Years None 10.24% – 29.49% 36 $971.40 – $1,265.18 $34,970.38 – $45,546.54
4 Years None 10.54% – 29.49% 48 $768.68 – $1,071.30 $36,896.69 – $51,422.37
5 Years None 11.38% – 29.49% 60 $657.97 – $961.23 $39,478.34 – $57,673.51
6 Years None 11.93% – 29.49% 72 $585.41 – $892.68 $42,149.83 – $64,273.29
7 Years None 13.14% – 29.49% 84 $548.04 – $847.53 $46,035.77 – $71,192.10
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Questions? Call us for a free consultation at 855-456-7634

Fund Your Project

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 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 listed above and will depend on a variety of factors, including term of loan, evaluation of your creditworthiness, years of professional experience, income, and a variety of other factors. Rates and Terms are subject to change at anytime without notice and are subject to state restrictions. SoFi refinance loans are private loans and do not have the same repayment options that the federal loan program offers, or may become available, such as Income Based Repayment or Income Contingent Repayment or PAYE. Licensed by the Department of Financial Protection and Innovation under the California Financing Law License No. 6054612. SoFi loans are originated by SoFi Lending Corp. or an affiliate, NMLS # 1121636. (www.nmlsconsumeraccess.org)

✝︎ 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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