Careers
Shape a brighter financial future with us.
Together with our members, we’re changing the way people think about and interact with personal finance.
We’re a next-generation fintech company using innovative, mobile-first technology to help 12.6M members reach their goals. The industry is going through an unprecedented transformation, and we’re at the forefront.
Join us to invest in yourself, your future, and the financial world.
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The SoFi Way
At SoFi, culture isn’t just words—it’s how we work together and push each other to do our best. Our culture is defined by The SoFi Way: a commitment from every employee to act as a founder, be a
relentless problem solver, and serve as a partner to our members and colleagues.
Want to be part of a team that’s reinventing an industry?
“SoFi is uniquely providing a comprehensive personal finance solution all in one app—backed by groundbreaking technology that puts our members’ interests first.”
Anthony Noto
Chief Executive Officer
We live our mission and values.
SoFi’s mission is at the center of how we serve our members, as we work toward helping them achieve financial independence to realize their ambitions. We’re proud to come to work every day knowing that what we do has a direct impact on people’s lives, with our core values guiding us every step of the way.
We’re better together.
We’re engineers, marketers, designers, and operations managers, with a diverse set of backgrounds and experiences. Every team’s purpose is to help improve our members’ lives so they can achieve financial independence. We support and care about our co-workers, work hard, build each other (and our products!) up, and have fun along the way.
Even more reasons to love SoFi.
We believe our people are our greatest differentiator. If we take care of you, you’ll take care of our members. We’ve built our programs, perks, and benefits around what you need to bring your best self to work.
You’re taken care of.
SoFi employees receive comprehensive health, vision, dental, life insurance, and disability benefits—as well as flexible time off, fitness, fertility, and family planning options.
Realize your ambitions.
We want to help our employees achieve financial freedom, just like our members. That’s why we contribute $200 per month toward your student loans to help pay down your debt—plus free financial classes.
Never stop learning.
We offer frequent training, mentorship opportunities, and leadership programs to develop our people. We also cover tuition costs for approved programs, up to $5,250 per year.
Hear from our employees.
“My team is in the middle of it all, building a compelling experience for providers of financial products, as well as for our users by suggesting the right financial products.”
Anjana J.
Manager, Engineering
San Francisco, CA
“As a software engineer, I’m regularly challenged to learn and iterate toward the right solution, and empowered by the tools I have to get the job done.”
Mike R.
Senior Software Engineer
Seattle, WA
“SoFi gives me the opportunity to have a positive impact on people’s lives. They also care about their members and their staff, and work hard to provide the best experience for both.”
Joy G.
Mortgage Loan Originator
Dallas, Texas
Where we’re located.
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Browse open positions.
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Social Finance, LLC offers you the option to engage in SMS text conversations about your job application. By participating, you also understand that message frequency may vary depending on the status of your job application, and that message and data rates may apply. Please consult your carrier for further information on applicable rates and fees. Carriers are not liable for delayed or undelivered messages. Reply STOP to cancel and HELP for help. By opting-in to receiving SMS text messages about your job application, you acknowledge and agree that your consent data, mobile number, and personal information will be collected and stored solely for the purpose of providing you with updates and information related to your job application. No mobile information will be shared with third parties/affiliates for marketing/promotional purposes. All the above categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties.
Great Rates. Great Benefits. | SoFi
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SoFi Plus: The smart way to
get more from your money.
Get SoFi Plus
$1,000 value: See assumptions and details below, value is not guaranteed and varies depending on benefits used. Terms apply.
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Turn home equity into cash
with $0 origination fees.*
View your rate
**To be eligible for the origination fee discount: (i) you must submit a SoFi home equity loan application between 12AM EST 12/15/2025 to 11:59PM EST 12/21/2025. (ii) You must not have submitted a Home Equity Loan application within the preceding 90 days. If you are approved for the loan, SoFi will waive the standard $1,295 origination fee at loan closing. This discount cannot be combined with any other discount or fee waiver. SoFi reserves the right to change or terminate this offer at any time without notice unless you have submitted an application during the eligibility window. Additional terms and conditions may apply. Equal Housing Lender.
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Expanded access
to private markets.
Learn more
Explore the latest investments, including new opportunities to access exposure to Stripe and Epic Games. Visit SoFi.com/Invest to learn more about additional private markets and private equity opportunities, available to accredited and non-accredited investors.
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Shake up your debt. You could win $100K.*
Enter now
*NO PURCHASE NECESSARY. Open only to legal residents of the 50 U.S./D.C., PR, GU, AS, USVI & CNMI, 18+. Void where prohibited by law. Starts 11/17/25 at 11:00 am PT and ends 1/12/26 at 11:00 am PT. See Official Rules for how to enter, free entry method, prize details, limits, and odds. Sponsor: Social Finance LLC (“SoFi”)
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Unwrap up to $3,000 in stock with SoFi Active Invest.*
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*Offer valid from 12/15/25 through 1/2/26. Customer must fund their Active Invest account with at least $50 within 45 days of opening the account. Receive a minimum of $15. Probability of member receiving $3,000 is a probability of 0.026% If you don’t make a selection in 45 days, you’ll no longer qualify for the promo. Percentages for the $3,000 are subject to decrease. See full terms and conditions.
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Every $10+ purchase could get you closer to winning up to $20K.*
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*NO PURCHASE NECESSARY TO ENTER OR WIN. Void where prohibited. Open to legal residents of the 50 states of the U.S. and DC who are legal age of majority at time/date of entry. Each $10+ signature-based purchase transaction qualifies for an entry. Debit, International, Small Business, Corporate, and transactions processed on a non-Mastercard operated network are ineligible. Ends 2/15/26. For Official Rules and complete details, click here.
Check out what SoFi has to offer:
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Invest
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Personal Loans
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Student Loan
Refinancing
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Money
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Home Loans
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Credit Card
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Private Student
Loans
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Insurance
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Credit Score
& Budgeting
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Auto Loan
Refinancing
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As natural disasters impact the United States, SoFi wishes for the safety of everyone in the affected areas. We are here to help borrowers who are in a disaster zone designated by FEMA. To find out more click here.
Why do 12.6M members love SoFi?
-
Smart money moves
earn you points.
Rewards points are redeemable for cash, SoFi loan payments, and more.
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Help when you
need it.
Need help? Get in touch with our support team via phone or chat.
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Complimentary
member benefits.
SoFi members get benefits like access to financial planning and exclusive access to SoFi Stadium.
Personalized mortgage solutions to achieve your goals.
Select from a variety of home loan options with mortgage rates, loan terms, and monthly payments that suit your budget.
All APRs are updated daily
View your rate
Need help finding the best option for your unique needs? Get in touch with a Mortgage Loan Officer at (844)-763-4466.
Your money
works better
when it’s
all in one app.
We’ve helped
our members
in a big way.
-
12.6M
SoFi members -
12.5B+
in rewards earned -
$33B+
in debt paid off -
$117B+
in funded loans
As featured in
We’re serious
about security.
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24/7 account monitoring -
Investments SIPC protected up to $500K
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FDIC insurance on checking & savings balances up to $250K^^
Ready to go?
Join SoFi today!
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Mortgage Loan Terms
5 10-YEAR Payment Example: The payment for a 10-year term, loan amount $362000.00, Rate 5.125%, LTV 80% is $3862.00 for full Principal and Interest Payments with $5668.92 due at closing. The Annual Percentage Rate is 5.670%. No prepayment penalty. Payment shown does not include taxes and insurance. The actual payment amount will be greater. Interest rates and annual percentage rates (APRs) are for informational purposes only and are subject to change without notice.
6 15-YEAR Payment Example: The payment for a 15-year term, loan amount $362000.00, Rate 5.125%, LTV 80% is $2886.00 for full Principal and Interest Payments with $5676.16 due at closing. The Annual Percentage Rate is 5.507%. No prepayment penalty. Payment shown does not include taxes and insurance. The actual payment amount will be greater. Interest rates and annual percentage rates (APRs) are for informational purposes only and are subject to change without notice.
7 20-YEAR Payment Example: The payment for a 20-year term, loan amount $362000.00, Rate 5.875%, LTV 80% is $2567.00 for full Principal and Interest Payments with $4792.88 due at closing. The Annual Percentage Rate is 6.154%. No prepayment penalty. Payment shown does not include taxes and insurance. The actual payment amount will be greater. Interest rates and annual percentage rates (APRs) are for informational purposes only and are subject to change without notice.
8 30-YEAR Payment Example: The payment for a 30-year term, loan amount $362000.00, Rate 6.000%, LTV 80% is $2170.00 for full Principal and Interest Payments with $5364.84 due at closing. The Annual Percentage Rate is 6.226%. No prepayment penalty. Payment shown does not include taxes and insurance. The actual payment amount will be greater. Interest rates and annual percentage rates (APRs) are for informational purposes only and are subject to change without notice.
Personal Loan Terms
Fixed rates from 8.74% APR to 35.49% APR reflect the 0.25% autopay interest rate discount and a 0.25% direct deposit interest rate discount. SoFi rate ranges are current as of 12/17/25 and are subject to change without notice. The average of SoFi Personal Loans funded in 2022 was around $30K. Not all applicants qualify for the lowest rate. Lowest rates reserved for the most creditworthy borrowers. Your actual rate will be within the range of rates listed and will depend on the term you select, evaluation of your creditworthiness, income, and a variety of other factors.
Loan amounts range from $5,000– $100,000. The APR is the cost of credit as a yearly rate and reflects both your interest rate and an origination fee of 0%-7%, which will be deducted from any loan proceeds you receive.
PERSONAL LOAN INTEREST RATES AND FEES | ELIGIBILITY AND IMPORTANT DETAILS. Annual percentage rates (APRs) shown include the 0.25% autopay discount. If approved for a loan, the rates and terms offered will depend on things like creditworthiness, the length of the loan, and other factors, and will fall within the range of rates available by applicable loan term; check out our full APR examples and terms. Remember, not all applicants will qualify for the lowest rate. Want to learn more? See our eligibility criteria at SoFi.com/eligibility-criteria. SoFi reserves the right to change interest rates at any time without notice, changes would only apply to applications begun after the effective date of the change. Fixed Rates: Fixed rates range from 8.74% APR to 35.49% APR (with autopay). The SoFi 0.25% autopay interest rate reduction requires you to agree to make your scheduled monthly payments by an automatic monthly deduction (ACH) from a savings or checking account. Enrolling in autopay is not required to receive a loan from SoFi. Loan Terms: SoFi Personal Loans offer loans with a period of repayment between 2 and 7-year terms. Loan Fees: SoFi personal loans have no fees required; specifically, no origination fees required, no late fees, no prepayment penalties.
PERSONAL LOAN | REPAYMENT EXAMPLE. The following example depicts the APR, monthly payment and total payments during the life of a $30,000 personal loan with a 2-year repayment term, a 0.25% autopay discount, and a fixed rate between 8.74% APR to 35.49% APR. It works out to 24 monthly payments ranging from $1,356.68–$1,529.07 for a total amount of payments ranging from $32,560.37–$36,697.76. This repayment example assumes that the borrower is signed up for autopay and that all payments are made on time, with no pre-payments. Actual rates may vary based on repayment term, loan amount, creditworthiness, and other terms and conditions. SoFi does not offer variable rate personal loans. State restrictions may apply.
5 Student Loan Refinancing Myths Demystified
When was the last time you took a hard look at your student loans?
If you’re like many borrowers, you probably try hard not to think about them. That monthly deduction from your bank account might be an aggravating reminder, but one that you’ve grudgingly come to accept over time. After all, what’s the point in dwelling on your loans if there’s nothing you can do to change them?
Read more
Ask the Career Expert: Career Strategy 101
Congratulations – you’ve just landed your dream job! It should be smooth sailing from here on out, right?
Of course, most of us know from experience that this isn’t usually the case. Even the most happily employed person will encounter challenging work situations from time to time (a negative review, for example). And if you want to grow in your chosen career, it requires a proactive approach. The truth is, “career strategy” doesn’t end once you get the gig. In some ways, it’s just getting started.
Read more
Fixing the Flaws in Obama’s Affordable College Plan
As CEO of a company that’s working to revolutionize the student loan industry, I have to say the past couple of weeks have been interesting to watch.
President Obama’s much-debated plan to increase college affordability has stoked the fires of an already heated national dialogue about the rising cost of higher education. I applaud the President for addressing this issue, and I’m pleased that this event is bringing the conversation to the forefront. However, I still think there are some fundamental flaws in the plan.
Read more
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