Fund Your Next
Home Improvement Project

Fixed rates range from 5.99% APR to 18.85% APR,

when you enroll in AutoPay5.

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Checking your rate will not affect your credit score.


With low rates and fixed monthly payments, you can focus less on the cost and more on the completion date. Whether remodeling the kitchen, replacing the roof, or landscaping the backyard, SoFi can help you pay for improvements to make your home sweet home. It only takes minutes to apply.

Why SoFi?

Easy Experience

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

No Hidden 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.

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Many people think of home equity when it comes to borrowing larger amounts, but home equity loans typically have a lengthy approval process and potentially lots of fees, including getting your home appraised. The ease of obtaining a personal loan makes it an appealing alternative to a home equity loan. Plus there’s no collateral, so you don’t have to put your home on the line when you borrow. And with SoFi you can borrow up to $100K, unlike some other online lenders that max out at $35K.

SoFi Personal Loan Home Equity Loan
Instant Online Application
Receive Funds Within a Week
No Origination Fees
No Pre-Payment Penalties
No Home Appraisal
No Home Equity Required
Low Rates Secured by Your Home
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So Easy

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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.

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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 5.99% - 17.48% 24 $1,329.48 - $1,490.20 $31,907.60 - $35,764.71
3 Years None 7.90% - 18.19% 36 $938.71 - $1,087.43 $33,793.47 - $39,147.60
4 Years None 8.59% - 18.85% 48 $740.72 - $894.63 $35,554.78 - $42,942.27
5 Years None 10.08% - 18.85% 60 $638.59 - $775.74 $38,315.57 - $46,544.55
6 Years None 10.88% - 15.05% 72 $569.18 - $635.17 $40,980.97 - $45,731.90
7 Years None 12.09% - 16.04% 84 $531.03 - $596.55 $44,606.27 - $50,109.83
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