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^†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 11/18/25.

In the event SoFi serves as broker to Spring EQ for your loan, SoFi will be paid a fee. Equal Housing Lender.

*$1,000 HL/HE Funded Bonus Offer: This offer is only available for new SoFi home purchase mortgage, SoFi mortgage refinance or SoFi-originated home equity loan. To receive the $1,000 offer you must:

•   (1) Apply for a SoFi home purchase, SoFi mortgage refinance or SoFi-originated home equity loan through the promotional ‘View Your Rate’ link in this ad.

•   (2) You must not have locked a rate for a SoFi home purchase mortgage, mortgage refinance or SoFi-originated home equity loan within the preceding 90 days. (2) Fulfill SoFi’s eligibility criteria and lock your rate.

•   (3) Fund your SoFi home purchase mortgage, SoFi mortgage refinance or SoFi-originated home equity loan by 12/31/26.

•   (4) Either have an existing SoFi Checking and Savings account or establish a new SoFi Checking and Savings account within 60 days after starting your home equity loan application.

This offer cannot be combined with other offers, with the exception of the standard Member discount and the SoFi Plus Member discount. To be eligible for the SoFi Plus member discount, the member must receive a Direct Deposit into their SoFi Checking/Savings account or pay the SoFi Plus Subscription Fee, at or before the time their home loan application is approved (indicated as “final approval”). Direct Deposit means a recurring deposit of regular income to an account holder’s SoFi Checking or Savings account, including payroll, pension, or government benefit payments (e.g., Social Security), made by the account holder’s employer, payroll or benefits provider or government agency (“Direct Deposit”) via the Automated Clearing House (“ACH”) Network during a 30-day Evaluation Period (as defined below). Deposits that are not from an employer or government agency, including but not limited to check deposits, peer-to-peer transfers (e.g., transfers from PayPal, Venmo, etc.), merchant transactions (e.g., transactions from PayPal, Stripe, Square, etc.), and bank ACH funds transfers and wire transfers from external accounts, or are non-recurring in nature (e.g., IRS tax refunds), do not constitute Direct Deposit activity. There is no minimum Direct Deposit amount required to qualify for the stated interest rate.

Once conditions are met, your $1,000 bonus will be deposited into your SoFi Checking and Savings account within approximately 30 calendar days after your SoFi home purchase mortgage, SoFi mortgage refinance or SoFi-originated home equity loan funds. Bonus amounts of $600 or greater in a single calendar year will be reported to the Internal Revenue Service (IRS) as miscellaneous income to the recipient on Form 1099-MISC in the year received as required by applicable law. Recipient is responsible for any applicable federal, state, or local taxes associated with receiving the bonus offer; consult your tax advisor to determine applicable tax consequences. SoFi reserves the right to change or terminate the offer at any time with or without notice to you. Additional terms may apply.

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^†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.

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, be residing in the U.S., and meet SoFi’s underwriting requirements. SoFi Personal Loans can be used for any lawful personal, family, or household purposes and may not be used for post-secondary education expenses. Minimum loan amount is $5,000. Additional terms and conditions may apply. Lowest rates reserved for the most creditworthy borrowers. Information current as of 12/18/25. SoFi Personal Loans originated by SoFi Bank, N.A. Member FDIC. NMLS #696891 (www.nmlsconsumeraccess.org). See SoFi.com/legal for state-specific license details.

Returning Borrower Special Pricing: Current and former SoFi Personal Loan, Student Loan Refinance, In-school loan, or home mortgage loan customers may be eligible for Returning Borrower special pricing on a personal loan if they meet the eligibility criteria and any other applicable terms and conditions. To receive this offer you must:

•   (1) apply for a new personal loan and submit your application;

•   (2) complete a loan application with SoFi within 90 days of your application submit date; and

•   (3) meet SoFi’s underwriting criteria.

The pricing special automatically will be reflected in the rate offered at the time of application, and it will fall within SoFi’s standard Personal Loan range of rates. SoFi reserves the right to discontinue or modify the Returning Borrower Special Pricing at any time and without notice. Such changes or modifications will only apply to applications begun after the effective date of the change.

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