Personal Loan – Curbed
MAKE THE UPGRADES YOU’VE ALWAYS WANTED
With low rates and a fixed monthly payment, you can pay off high interest debt, like credit cards, or make a major purchase. 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?
No Hidden Fees.
No Catch.
No origination fees in most states or pre-payment penalties. What you see is what you get.
Easy
Experience
Simple online application and access to live customer support 7 days a week.
Community
Benefits
If you lose your job, we’ll temporarily pause your payments and help you find a new job.4
Better
Credit
Borrowers raised their credit scores by 31 points on average when paying off credit card debt.**
Personal Loan Comparison6
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 | Credit Cards | |
|---|---|---|---|
| Pros |
• Easy online application process • Instant pre-approval online • No origination fees in most states or pre-payment penalties • Borrow up to $100K • Low rates |
• Interest may be tax deductible • May be able to borrow more, up to 80% of home equity • Low rates
|
• Easy to make purchases • May have 0% introductory balance transfer
|
| Cons |
• No tax benefits • May have higher interest rates |
• Often have application, appraisal, and title fees • Lengthy application process • Can only borrow against the equity in your home |
• High interest rates • Balance transfer fees • No set payoff, so easy to fall into debt trap
|
Questions? Call us for a free consultation at 855-456-7634
4 Startup Truths You Won’t Learn in Business School
Becoming an entrepreneur is one of the most rewarding—and terrifying—things you’ll ever do. I started my own business, a business-planning software company initially based in Palo Alto, California, three years after graduating from business school. I’ve succeeded through several decades, but it wasn’t always easy given that I struggled with student loan and mortgage payments, and took care of my family at the same time. But today, I’m financially secure, my business is healthy, and I employ more than 60 people at our new location in Eugene, Oregon. Because I’ve dealt with startups and entrepreneurs for a long time, I’m well equipped to outline what you can expect if you’re planning to start your own business.
B-school has given other entrepreneurs exactly what it gave me: business fundamentals, including basic finance, marketing, and administration. An MBA program also teaches you how to plan and, most importantly, how to understand cash flow. But what school doesn’t teach you is how to wade through the entrepreneur clichés to get to the unvarnished truth.
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How to (Actually) Buy Your First Home in New York City
You have to earn the right to call yourself a New Yorker, and one of the ways you can do that is by suffering through the challenge that is finding housing in New York City. It’s a badge of honor you can wear with pride once you do—I mean, New York is one of the only cities in the world where people willingly pay over $1,000 a month for an apartment that has a shower in the kitchen.
But even as one of the most expensive cities in the world, it may make financial sense to buy sooner rather than later in this city. You only need to stay put for three years to make buying in Queens worth the price, four and a half years for Brooklyn, and seven and a half years for Manhattan, according to a study done by StreetEasy.
The desire for space and affordability sends some first-time homebuyers to New Jersey, Long Island, or quaint towns along the Hudson River (all of which still come with steep price tags). But for those committed to staying within the five boroughs, the question remains: Just how the heck do you navigate being a first-time homebuyer in New York City?
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Personal Loans – Ladders
Welcome Ladders Customers
Get $150 when your loan is disbursed by applying through this page.*
Are you paying more than 11% interest on your credit cards? A SoFi Personal Loan could help you save thousands. With a low fixed rate and monthly payment, you can pay off high interest debt, like credit cards, or make a major purchase. It only takes minutes to apply.
Questions? Call us for a free consultation at 855-456-7634
What Homeowners and Homebuyers Need to Know About the Fed Rate Hike
If you’re in the market to buy a home, or you recently became a homeowner, you’ve probably noticed that mortgage interest rates are ticking up. And just this past March, the Federal Reserve increased the Federal Funds rate by one-quarter of a percentage point for the second time since December. Coincidence? Probably.
We’ll get more into what the Fed rate hike is all about below, but the burning question is: What impact does it have on mortgage rates? Most importantly, how will it affect home affordability and your monthly budget?
To help you make major mortgage decisions going forward—ones that have the potential to impact you for the next 30 years—we’ve broken down what the Fed rate hike really means for current and future mortgage borrowers, and the actions you should consider.
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