SoFi

Jim wants you to get $300.

Say goodbye to high-interest debt or finance home improvements with $0 fees, low fixed rates, and same day funding1.

Plus, you and Jim will both earn a $300 bonus after your loan funds. See terms.

Viewing your rate will not affect your credit score✝︎
*Offer not available to residents of Vermont or Ohio. You must keep your loan active and in good standing for at least 90 days to receive the $300 bonus.

Helping members reach
financial independence since 2011.

2,500,000

members and counting

Why a SoFi Personal Loan?

Low
Rates

Borrow $5k-$100k with low rates.

Easy
Experience

View your rate online in 60 seconds and receive funds the same day you sign.1

Unemployment
Protection

If you lose your job, we can help modify your personal loan payments and help you find a new job.4

Official Rules

The following describes the terms of service which apply to participation in the referral or account opening promotional programs (collectively, the “Referral Programs“) currently offered by Social Finance, Inc. (“SoFi“) and its affiliates. If you wish to participate in any Referral Program described below, you agree to the terms for such Referral Program described in Part I below, as well as the General Terms and Conditions in Part II, which apply to all Referral Programs.

*Please note that any friend whom you’d like to refer must use your specific product referral link in accordance with the terms and conditions associated with the specific promotional campaign for that link. Note you have separate referral links for (1) Personal Loans and Student Loans, (2) Money, (3) Checking and Savings accounts, (4) Invest products, (5) Credit Card, and (6) referring to the app generally. Only one referral reward and one welcome bonus per new customer. You will not receive multiple referral bonuses for the same friend taking advantage of multiple promotions, nor will your friend receive multiple welcome bonuses for taking advantage of multiple promotions. SoFi mortgages are never eligible for the SoFi Referral Program. Additional terms and conditions apply.

Each person referred should be someone you have a direct, personal relationship with. You may not distribute a Referral Link or otherwise solicit anyone through mass email, any form of commercial advertising or other similar means.

SoFi reserves the right to review, investigate, and disqualify anyone from participation in the SoFi Referral Program at any time, and reserves the right to not honor any referral which in our sole discretion was solicited in a manner inconsistent with the spirit or terms and conditions of the SoFi Referral Program.

Furthermore, SoFi Securities reserves the right to seek reimbursement from any customer (including by deduction from their Invest Account) of amounts paid as Referral Bonuses to customers solicited via mass solicitation. Please note that in certain circumstances the deduction of such amounts from their account may result in a negative balance.

Any person referred to a SoFi loan, SoFi Checking or Savings account, or SoFi Credit Card may not have an existing registered SoFi account. A person referred to a SoFi Invest account or SoFi Digital Assets account (for crypto) may have an existing SoFi registered account.

If account funding is required to meet referral bonus payout eligibility, P2P transfers or proceeds of a reward, promotion or similar program are not eligible methods of funding.

To protect the privacy of those you refer, referral prospect account information or eligibility is not, under any circumstances, permitted to be shared with referral promoters.

Program terms—Part I

General terms and conditions—Part II

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. To qualify for the lowest rate, you must have a responsible financial history and meet other conditions. 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., NMLS # 1121636. (www.nmlsconsumeraccess.orgOpens A New Window. )

1 Same-Day Personal Loan Funding: 86% of typical SoFi Personal Loan applications, excluding Direct Pay Personal Loans and Personal Loan refinance, from January 1, 2021 to December 1, 2021 that were signed before 7pm ET on a business day were funded the same day

✝︎ 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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