SoFi

John wants you to get $310.

You and John get $10 each when you check your SoFi student loan rate. You and John get another $300 each when you fund your SoFi loan.

Checking your rate will not affect your credit score.✝︎

NOTICE: Recent legislative changes have suspended all federal student loan payments and waived interest charges on federally held loans until 9/30/21. Please carefully consider these changes before refinancing federally held loans with SoFi, as in doing so you will no longer qualify for these changes or other current or future benefits applicable to federally held loans.

SoFi is the leading student loan
refinancing provider.

$30 billion+

in refinanced student loans

375,000+

members have refinanced their student loans

98%

of surveyed members would recommend SoFi to a friend*

Why SoFi?

Serious
savings

Save thousands of dollars thanks to flexible terms and low fixed or variable rates.

Fast, easy, and all online

Simple online application and access to live customer support 7 days a week.

No hidden fees, no catch

No application or origination fees. No pre-payment penalties.

Access to member benefits

SoFi members get career coaching, financial advice, and more—all at no cost.

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 promotional campaign for that link. Please note, you will have separate referral links for: 1) Credit Card; 2) Invest; 3) Money; and 4) Personal and Student Loans. You may receive only one referral reward and one welcome bonus per new customer. You will not receive multiple referral bonuses for the same friend taking out multiple loans or products, nor will your friend receive multiple welcome bonuses for taking out multiple loans or products. SoFi mortgages are not eligible for referral rewards. Additional terms and conditions apply.

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. )

✝︎ 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.

* Based on a survey of 1,642 SoFi members from 02/21/2019 to 03/13/2019 who funded a loan with SoFi within 6 months of the survey date, 98% of participants would recommend SoFi to a friend. This should not be confused with SoFi’s Net Promoter Score®, which is a separate survey that uses a different scoring model. This statistic isn’t recommending or endorsing any product or service offered through SoFi Wealth LLC, including automated investing, financial planning and SoFi Advice.

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