SoFi Blog

Tips and news—
for your financial moves.

Mar
07
2019
St. Patrick's Day socks

7 St. Patrick’s Day Party Ideas on a Budget

By | Lifestyle, Money, money | No Comments

Winter can be bleak. Short days, long cold nights, and countless snowstorms can take a toll. But come March, there is one emerald green bright spot. St. Patrick’s Day is a fun holiday for all.

There are tricks and treats from mischievous leprechauns that keep kids entertained and plenty of green beer for the adults. March 17 is right around the corner so get your green ready to avoid being pinched by a leprechaun (or your significant other).

If you’re playing host this year and are looking for some St. Patrick’s Day party ideas, we’ve got you covered. These fun festive ideas will have you and your friends feeling the luck of the Irish, all while helping to keep you under budget.

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Mar
06
2019

Student Loan Refinance – Affiliates (ChangEd)

By | student_loan | Comments Off on Student Loan Refinance – Affiliates (ChangEd)

Refinance Student Loans

Save thousands
on your student loans.

Find My Rate

Checking your rate will not affect your credit score✝.

Welcome ChangEd Member

SoFi is a leading student loan refinancing provider.

$50 billion+
in refinanced student loans
13.7M
members who’ve refinanced
98%
would recommend SoFi to a friend3.

Pick the loan that works for you.

Save on your student loans by choosing between a range of rates and terms. No prepayment penalties and no hidden fees. Ever.

Fixed Rate

Rates available from 4.24% APR to 9.99% APR when you enroll in AutoPay.1

Variable Rate

Rates start from 5.99% APR to 9.99% APR when you enroll in AutoPay.1

Find My Rate
Learn More

Investing in people who
invest in themselves.

Accelerate your
career

Take your career to the next level with expert guidance from SoFi Career Coaches.

Experience the
SoFi community

Our member events range from dinners and happy hours to panel sessions and networking opportunities.

Get exclusive member
rate discounts

Get a 0.125% rate discount on additional SoFi loans—just for being a member.✝✝

How it works:

The student loan refinancing process is fast, easy, and can be done entirely online.

New Term

APR

5-year

4.03%

7-year

4.57%

10-year

4.98%

View Payment Examples
SoFi offers a range of terms and rates—so yours are going to look different from this illustrative chart, which is just something designed to show you what the SoFi app looks like.

Get pre-approved online in just two minutes.

We’ll let you know if you’re qualified before you finish the full application.

Select your rate and term.

Choose between saving on your monthly payment or saving on total student loan interest.

Verify your info and sign.

Upload screenshots of your information, then sign your paperwork electronically.

Switch to one low-rate monthly payment.

We pay off your servicer(s) and issue you one new student loan.

Find my rate

It takes only two minutes and
won’t affect your credit score.✝

Common questions

Q: Who should refinance?

–+

Refinancing is a great solution for working graduates who have high-interest, unsubsidized Direct Loans, Graduate PLUS loans, and/or private loans. Federal loans do carry some special benefits, for example, public service forgiveness and economic hardship programs, that may not be accessible to you after you refinance. Check out this blog post that provide more information: When to Consolidate Federal and Private Loans by Refinancing. Or, call us for a free consultation about your particular situation.

Q: Can I refinance both federal and private student loans?

+–

Yes, SoFi will consolidate all qualified education loans.

Q: Am I a good candidate to refinance my student loans with SoFi?

+–

SoFi aims to revolutionize financial services- ultimately improving the system for everyone. Today, we’re able to offer significant savings and flexibility to US citizens or permanent residents who have graduated from a selection of Title IV accredited university or graduate programs, are employed, has a sufficient income from other sources, or hold a job offer with a start date within 90 days, have a responsible financial history, and a strong monthly cash flow.

Q: What is the difference between consolidating and refinancing?

+–

https://www.sofi.com/consolidate-student-loans-vs-refinance/

Q: What is a direct consolidation loan?

+–

A Direct Consolidation Loan is a government program that allows you to combine multiple federal education loans into a single loan. The resulting interest rate is a weighted average of your prior loan rates. Refer to https://www.sofi.com/consolidate-student-loans-vs-refinance/ for more information.

Q: What’s the difference between fixed and variable rate loans?

+–

https://www.sofi.com/fixed-vs-variable-rate-loans/

See FAQs

SoFi in the news

CNN Money

“This lender offers free drinks, yoga, and matchmaking with its loans.”

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NYT

“SoFi [also] provides career counseling, wine tastings and home-buying workshops.”

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See more news

Get started
in minutes.

Speed matters. Which is why you can check loan rates or start investing online—in just minutes.

Find my rate




Trustpilot

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Mar
05
2019
basketball on court

Traveling on a Budget to Support Your College Basketball Team this March

By | Lifestyle, Money, money | No Comments

It’s down to the last few seconds. The star point guard steals the ball and dribbles his way down the court. Swish—the buzzer sounds. The game is over and your team is headed to the big tournament.

Every March the 68 teams compete in a frenzy of competition in the big basketball tournament . It’s competition at its best, the fans are loud, the rivalries are tense, and the games are exciting. It’s no wonder that thousands of fans travel in order to show their support for their favorite teams.

The excitement kicks off March 17th on selection Sunday . While supporting your alma mater or favorite college basketball team can be thrilling, it can also get expensive.

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Mar
04
2019

2026 Home Loans Education Portal

By | Uncategorized | Comments Off on 2026 Home Loans Education Portal


2026 Home Loan Help Center


Buying a home?
We can help.

Deciding to purchase a home is a huge step.
That’s why we’ve put together a hub dedicated to helping you
navigate the home buying process. Explore our resources, guides, and tips.


Let’s start with the home buying basics.

These introductory articles can help with questions around home loans, escrow, the first-time home buyer process, and more.






Understanding home loan terminology

Use these articles and resources to get a better understanding of what some common home loan terminology means.


What Is A Conventional Home Loan?


Mortgage Prequalification
vs.
Preapproval


What is a Jumbo Loan?


How Does an Amortizing Loan Work?


Is there a new home in your future?

These introductory articles can help with questions around home loans, escrow, the first-time home buyer process, and more.


Calculators to help navigate the home-buying process.

It’s all about the numbers. Try these calculators to help in your decision making process.

Mortgage Calculator

See how much you can save on your mortgage with different down payments.

Go To Calculator

Home Renovation Cost Calculator

Find out how much it would cost to update your home.

Go To Calculator

Home Affordability Calculator

Get an estimate of the total monthly house payment you can afford.

Go To Calculator

Buying a home? Gain insights on local housing market trends

Keep up with the housing market Joneses with the latest real estate market trends. Choose a city to discover everything from average home prices to market demographics.

Don’t forget about cost of living when buying a home.

When you factor in the cost of living during the home buying process, it may reveal great places to live that you’d never consider.

Check out our cost of living guide that breaks down the average cost of living for the most popular states in the country.


Use these extra tips to navigate the complexities of home buying.

Are you buying a home for the first time? These tips can help smooth over the purchase process.


Looking to refinance an existing mortgage?

If you want to learn more about mortgage refinancing, these articles are for you.






Get even more help with home loans.

How Much Does it Cost to Remodel a House?

What We Can Learn from
Historical Mortgage Interest Rate Fluctuations

Cash-Out Refinance vs Home Equity Line of
Credit

How Do Reverse Mortgages Work?

Should You Use Your Roth IRA to Buy Your First
Home?

What to Know about FHA 203K loans


Common questions






Choose the home loan that works for you

and see how much you could save

Read more
Mar
04
2019

Home Improvement Loans (Remodelmate)

By | Uncategorized | Comments Off on Home Improvement Loans (Remodelmate)

Renovate now, pay over time.

Borrow up to $100K, with no fees, to tackle your wish list with a home improvement
loan. Rates range from 7.74% APR to 35.49% APR (with AutoPay)5.

Fund Your Project

Checking your rate will
not affect your credit score✝.


Push button, get renovation financing. Borrow up to $100K for your remodelmate project through SoFi and get $200 when your loan is disbursed by applying through this page.*

Rates range from 7.74% APR to 35.49% APR (with AutoPay)5.

Why SoFi?

Easy Experience

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

No 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.

Fund Your Project

So Easy

Find Your Rate

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.


Get Started

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 7.74% – 35.49% 24 $1,353.26 – $1,763.32 $32,478.34 – $42,319.74
3 Years None 7.74% – 35.49% 36 $936.50 – $1,365.41 $33,713.89 – $49,154.90
4 Years None 8.23% – 35.49% 48 $735.63 – $1,178.04 $35,310.28 – $56,545.80
5 Years None 9.50% – 35.49% 60 $630.06 – $1,074.14 $37,803.35 – $64,448.26
6 Years None 10.56% – 35.49% 72 $564.28 – $1,011.27 $40,628.47 – $72,811.45
7 Years None 11.90% – 35.49% 84 $527.98 – $971.20 $44,350.23 – $81,581.10

< Back to Personal Loans

Questions? Call us for a free consultation at 855-456-7634

Fund Your Project

Read more
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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 meet SoFi's underwriting requirements. Not all borrowers receive the lowest rate. Lowest rates reserved for the most creditworthy borrowers. 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. or an affiliate, NMLS # 696891. (www.nmlsconsumeraccess.org)

✝︎ 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.

INVESTMENTS: NOT FDIC INSURED • HAVE NO GUARANTEE • MAY LOSE VALUE. Investing in securities involves risks, and there is always the potential of losing money when you invest in securities. The SoFi Wealth platform is operated and maintained by SoFi Wealth LLC, an SEC Registered Investment Advisor. Brokerage services are provided to clients of SoFi Wealth LLC by SoFi Securities LLC, an affiliated broker-dealer registered with the Securities and Exchange Commission and a member of FINRA /SIPC . Clearing and custody of all securities are provided by APEX Clearing Corporation. For more information, please see SoFi Wealth LLC’s Form ADV Part 2 by clicking here for SoFi's Wealth Form ADV Part 2 A&B or by visiting www.adviserinfo.sec.gov .
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