Dec
09
2022
SoFi Blog
Tips and news—
for your financial moves.
Nov
30
2022
Earn Up to 3.25% APY with SoFi Checking & Savings
With the holidays coming up and inflation still hitting wallets hard, SoFi is continuing to raise our rates to ensure our members always get the most for their hard-earned money.
SoFi is raising our APY (yes, again!) to 3.25%¹, 13x the national average savings account rate², on all savings balances (including Vaults) for direct deposit members. Members with direct deposit will also continue to earn 2.50%, 62x the national average³, on checking balances. SoFi members without direct deposit will continue to earn 1.20% APY on all of their balances (across checking, savings and Vaults).
To help members put more money in their pocket, SoFi is offering even more ways to get your money right:
• Earn up to $250 for adding qualifying direct deposits⁴: SoFi is offering up to $250 as a cash bonus for new members who sign up and set up qualifying direct deposits—or existing members who set up qualifying direct deposits before 1/31/23.
• Earn up to 3% cashback on the SoFi Credit Card⁵: Members that open a new SoFi Credit Card and also have Checking and Savings account with a qualifying direct deposit or existing credit card members who set up a new direct deposit to SoFi Checking & Savings for the first time can start earning 3% cash back on all eligible credit card purchases for 365 days. Apply for a credit card here.6
Interested in earning more? Sign up for SoFi Checking & Savings. Already a member? Set up your SoFi direct deposit to make sure you get the most out of your money.
Disclosures:
1. SoFi members with direct deposit can earn up to 3.25% annual percentage yield (APY) on savings balances (including Vaults) and 2.50% APY on checking balances. There is no minimum direct deposit amount required to qualify for the 3.25% APY for savings and 2.50% APY for checking balances. Members without direct deposit will earn 1.20% APY on all account balances in checking and savings (including Vaults). Interest rates are variable and subject to change at any time. These rates are current as of 11/30/2022. Additional information can be found at https://www.sofi.com/legal/banking-rate-sheet.
2. 13x based on FDIC monthly savings account rate as of November 30, 2022.
3. 62x based on FDIC monthly interest checking rate as of November 30, 2022.
4. The following describes the terms that apply to participation in the SoFi Checking and Savings direct deposit program (“Program”) offered by SoFi Bank, N.A Member FDIC (“SoFi”).
Eligible Participants: All new and existing members without a history of direct deposit transactions into their SoFi Checking and Savings account are eligible for the Program. Members who previously enrolled in direct deposit into either SoFi Money or SoFi Checking and Savings do not qualify for this promotion.
Promotion Period: The Program will be available through 1/31/23 11:59PM ET.
Bonus Terms: In order to qualify for eligibility for a bonus, SoFi must receive at least one Qualifying Direct Deposit (as defined below) from an Eligible Participant before the end of the Promotion Period. Qualifying Direct Deposits are defined as deposits from an enrolled member’s employer, payroll, or benefits provider via ACH deposit. Deposits that are not from an employer (such as check deposits; P2P transfers such as from PayPal or Venmo, etc.; merchant transactions such as from PayPal, Stripe, Square, etc.; and bank ACH transfers not from employers) do not qualify for this promotion. The amount of the bonus, if any, is described below. No bonuses shall be paid for Qualifying Direct Deposits of less than $1,000 during the Evaluation Period (defined below).
Evaluation Period: The Evaluation Period begins when SoFi receives a Qualifying Direct Deposit (within the Promotion Period) and ends 25 days later (the “Evaluation Period”). The bonus amount will vary based on the total amount of Qualifying Direct Deposits received during the Evaluation Period. Once the Evaluation Period has elapsed, we will determine if you have met the offer requirements and will deposit any earned bonus into your checking account within 7 business days. For example, if SoFi receives between $1,000.00 and $4,999.99 in Qualifying Direct Deposits during the Evaluation Period, you will receive a cash bonus of $50. A member may only qualify for one bonus tier and will not be eligible for future bonus payments if inflows subsequently increase after the Evaluation Period.
Total Qualifying Direct Deposit amount in 25-day Evaluation Period
$1,000.00 – $4,999.99: $50 cash bonus
$5,000.00 or more: $250 cash bonus
Payment timeline: SoFi will credit members who meet qualification criteria within 7 business days of the end of the Evaluation Period.
Bonuses are considered miscellaneous income and may be reportable to the IRS on Form 1099-MISC (or Form 1042-S, if applicable). SoFi reserves the right to exclude any Members from participating in the Program for any reason, including suspected fraud, misuse, or if suspicious activities are observed. SoFi also reserves the right to stop or change the Program at any time.
5. You will need to maintain a qualifying Direct Deposit every month with SoFi Checking and Savings in order to continue to receive this promotional cash back rate. Qualifying Direct Deposits are defined as deposits from enrolled member’s employer, payroll, or benefits provider via ACH deposit. Deposits that are not from an employer (such as check deposits; P2P transfers such as from PayPal or Venmo, etc.; merchant transactions such as from PayPal, Stripe, Square, etc.; and bank ACH transfers not from employers) do not qualify for this promotion. A maximum of 36,000 rewards points can be earned from this limited-time offer. After the promotional period ends or once you have earned the maximum points offered by this promotion, your cash back earning rate will revert back to 2%. 36,000 rewards points are worth $360 when redeemed into SoFi Checking and Savings, SoFi Money, SoFi Invest, Crypto, SoFi Personal Loan, SoFi Private Student Loan or Student Loan Refinance and are worth $180 when redeemed as a SoFi Credit Card statement credit.
Promotion Period: The Program will be available from 4/5/22 12:01AM ET to 12/31/22 11:59PM ET. SoFi reserves the right to exclude any Member from participating in the Program for any reason, including suspected fraud, misuse, or if suspicious activities are observed. SoFi also reserves the right to stop or make changes to the Program at any time.
Eligible Participants: All new members who apply and get approved for the SoFi Credit Card, open a SoFi Checking and Savings account, and set up Direct Deposit transactions (“Direct Deposit”) into their SoFi Checking and Savings account during the promotion period are eligible. All existing SoFi Credit Card members who set up Direct Deposit into a SoFi Checking & Savings account during the promotion period are eligible. All existing SoFi members who have already enrolled in Direct Deposit into a SoFi Checking & Savings account prior to the promotion period, and who apply and get approved for a SoFi Credit Card during the promotion period are eligible. Existing SoFi members who already have the SoFi Credit Card and previously set up Direct Deposit through SoFi Money or SoFi Checking & Savings are not eligible for this promotion.
6. Accounts subject to additional credit approval. To qualify for approval, you must meet SoFi’s pre-established underwriting requirements, including verification of sufficient income to support your ability to pay. We will not extend you credit if you do not meet our pre-established criteria. SOFI RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS AND BENEFITS PROSPECTIVELY BASED ON MARKET CONDITIONS AND BORROWER ELIGIBILITY. If approved for a SoFi Credit Card, your credit access line will be at least $1,000. Your eligibility for a SoFi Credit Card Account or a subsequently offered product or service is subject to the final determination by SoFi Bank, N.A, as issuer, pursuant to license by Mastercard® International Incorporated and can be used everywhere Mastercard is accepted. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated. Please allow up to 30 days from date of submission to process your application. The card offer referenced in this communication is only available to individuals who are at least 18 years of age (or of legal age in your state of residence), and who reside in the United States.
Read moreNov
29
2022
SoFi Savings
High-Yield Savings Account
For a limited time, open a new high yield savings account and earn up to 4.30% APY for six months. Plus, enjoy no account fees3, no minimums, and a cash bonus up to $300.4
1When you open a SoFi Savings Account, SoFi Bank will also automatically open a SoFi Checking Account in your name. See the SoFi Bank Deposit Account Agreement for details.
2Earn up to 4.30% Annual Percentage Yield (APY) on SoFi Savings with a 0.70% APY Boost (added to the 3.60% APY as of 11/12/25)
for up to 6 months. Open a new SoFi Checking & Savings account and enroll in SoFi Plus by 1/31/26. Rates variable, subject to change. Terms apply here. SoFi Bank, N.A. Member FDIC.
Earn up to 4.30% APY
Get a 0.70% boost on our standard savings APY of 3.60% APY5 when you set up a new account with eligible direct deposit. Terms apply.
1
Zero account fees
Keep more of your money. We don’t charge monthly fees, overdraft9 fees, or minimum balance fees.
2
Earn up to a $300 cash bonus with direct deposits.
Start your savings off right. Earn a $50 or $300 cash bonus with eligible direct deposit.4
3
FDIC-insured
Access additional FDIC-insurance up to $3M through our partner network.
4
{/* Fuel your savings with a 0.70% APY boost */}
How to get your
0.70% APY boost.
Here are the necessary steps:
-
First, open a new SoFi Savings account1 by 1/31/26.
-
Next, become a SoFi Plus member within 60 days by setting up an eligible direct deposit or enrolling in a $10/month (every 30 days) subscription.7
-
Then, enjoy a 0.70% APY boost on your savings for six months as long as you maintain your SoFi Plus membership. And if our variable APY changes, don’t worry, you’ll still get the 0.70% bump on top of the standard savings rate.
Open an account
2Earn up to 4.30% Annual Percentage Yield (APY) on SoFi Savings with a 0.70% APY Boost (added to the 3.60% APY as of 11/12/25)
for up to 6 months. Open a new SoFi Checking & Savings account and enroll in SoFi Plus by 1/31/26. Rates variable, subject to change. Terms apply here. SoFi Bank, N.A. Member FDIC.
Don’t settle for average. See how we stack up.
When it comes to your savings, the details matter. Here’s a side-by-side look at how our fees, standard savings APY, and features compare to the big banks.
‘$03‘,
‘$0’,
‘No limit’,
‘Up to $3M6‘,
‘Yes’,
]}
competitorCards={[
[
‘Bank of America’,
‘0.04%’,
‘$8’,
‘$100’,
‘6 per month’,
‘$250,000’,
‘Yes’,
],
[
‘Chase’,
‘0.02%’,
‘$5’,
‘$0’,
‘6 per month’,
‘$250,000’,
‘No’,
],
[
‘Wells Fargo’,
‘0.05%’,
‘$5’,
‘$25’,
‘6 per month’,
‘$250,000’,
‘No’,
],
]}
/>
Rates and fees are subject to change. Information for competitors based on standard savings accounts as of 11/5/2025.7
Open an account
See how fast your savings account could grow.
See the difference a high-yield rate makes.
Calculate your potential earnings with our standard 3.60% APY and see how we stack up against the big banks.
*Actual interest credited by your financial institution may vary based on institution-specific calculation methodology.
Rates may vary by state and do not account for bonus, special or promotional APYs.
Traditional bank rates are in comparison to Chase and Bank of America and current as of November 5, 2025.
National Average is based on the FDIC monthly savings account rate as of November 5, 2025.
{/* Features List */}
Smarter tools to help you save.
Go beyond high APY. We help you organize your money and build savings habits automatically.
Savings Vaults
Organize your money for what matters. Create multiple savings Vaults for all your savings goals and track your progress for each one.
Roundups
Save without thinking about it. Every time you use your SoFi debit card, we’ll round up your purchase to the nearest dollar and put the change in your savings.
Automatic transfers
Pay yourself first. Set up recurring transfers from a linked account or your SoFi Checking to grow your savings consistently.
{/*Additional features*/}
All the savings account features you expect, and more.
Mobile check deposit
Deposit checks anytime, anywhere, right from the SoFi app.
24/7 fraud monitoring
We continuously monitor your account for suspicious activity to keep your money safe.
Early paycheck
Get your paycheck up to 2-days early when you set up direct deposit.8
Account alerts
Stay in the know with customizable alerts for deposits, withdrawals, and balances.
Joint accounts
Save together towards your shared goals by easily adding a joint account holder.
Online & mobile banking
Seamlessly access your account and manage your money on any device, 24/7.
Get up to a $300 cash bonus with direct deposit.
Earn a $50 or $300 cash bonus with eligible direct deposit and unlock getting paid up to two days early. Terms apply.
Open an account
{/*How to get the most out your sofi checking and savings*/}
Apply online.
Quickly fill out our secure online application. All you need is your personal information and a government-issued ID.
1
Fund your account.
Easily link an external bank account to make your first deposit. There are no minimum deposit requirements.
2
Set up direct deposit.
Unlock our highest APY with eligible direct deposit and immediately start earning on your entire balance.
3
Quickly and easily open your savings account online.
Open an account
{/* More resources about savings accounts */}
Tools and resources to help you save:
{/*FAQs*/}
FAQ
A high-yield savings account (HYSA) is a savings vehicle similar to a traditional savings account but pays considerably higher interest rates. As of July 2025, the national average interest rate for savings accounts was 0.38% according to the FDIC, while some HYSAs provided annual percentage yields (APYs) of 3.00% or more.
You can open a SoFi Savings account by applying online with your personal information. Once approved, simply fund the account via an electronic transfer from a linked bank. To unlock the highest APY, you’ll need to set up direct deposit.
There is no minimum deposit amount to open an online savings account with SoFi.
The current APY for a SoFi Savings account is up to 3.60% APY. Make sure you sign up for direct deposit (or deposit at least $5,000 every 30 days) to earn the highest rate!2
There is no minimum direct deposit amount to receive the 3.60% APY.
All SoFi Checking and Savings accounts receive industry-standard FDIC insurance of up to $250,000 per member (joint accounts are insured up to $500,000). SoFi Checking and Savings members can get additional $3M of FDIC insurance by enrolling in the SoFi Insured Deposit Program 5.
No. SoFi Checking and Savings doesn’t charge any monthly, minimum, or maintenance fees.3
With a SoFi online savings account, there are no monthly limits on the number of withdrawals you can make. You have the flexibility to access your money as often as you need without facing the withdrawal restrictions common at many other banks.
Yes! When you open a high-yield savings account, you automatically get a checking account, which earns 0.50% APY1. We don’t currently offer a standalone savings account.
APY, or Annual Percentage Yield, represents the total interest you’ll earn over a year, including the effect of compounding interest. At SoFi, we calculate your interest daily and pay it out monthly, which helps your money grow faster.
Within your larger savings account, you can create Vaults dedicated to specific savings goals. For example, you might have a Vault dedicated to a down payment for a car, an emergency fund, or a home renovation.
You can automatically put money from debit card roundups and/or paychecks into your Vault. Simply set it and forget it.
{/* Putting your savings to work */}
Put your savings to work.
Meet your goals sooner by signing up for our high-yield savings account today.
Get started
Read more
Nov
29
2022
SoFi Automated Savings
{/* Sofi automated savings child */}
{/* HERO MODULE */}
Put your savings on autopilot.
Saving money becomes second nature with SoFi Checking and Savings. Set automatic savings goals with Vaults and use Roundups to keep the change when you spend. The best part? There are no account fees or minimum deposits.
Get SoFi Checking and Savings
{/* Automatic savings your way */}
Automatic savings your way.
Our Autopilot features give you lots of ways to save—without having to think about it.
Roundups
With Roundups, every time you use your SoFi debit card, we’ll round the purchase amount up to the nearest dollar and add the difference to the savings Vault you prefer.
Recurring transfers
Set up recurring transfers from an external account or between your SoFi accounts. It’s one less thing to think about.
AutoSave for paychecks
Automatically send a portion of your paycheck into your savings or a specific Vault.
{/* You have savings goals. */}
You have savings goals. SoFi Checking and Savings has Vaults.
Savings Vaults make it easy to set aside money for individual goals within your larger savings account. Create a Vault (or up to 20!) to set money aside for a new home, a vacation, or just a rainy day. Track your progress, set up recurring monthly deposits, and pay zero account fees or minimum balance fees.
Open an account
{/* Turn cents into automatic savings with Roundups. */}
Turn cents into automatic savings with Roundups.
Spend on your SoFi debit card and we’ll automatically round up every purchase to the nearest dollar and transfer it to one of your Vaults. It’s the easiest way to save without even thinking about it.
Open an account
{/* Set it, forget it, and watch your savings grow */}
Set it, forget it, and watch your savings grow.
With SoFi Checking and Savings, meeting your financial goals doesn’t have to be stressful. Automatic savings options like recurring transfers and automatic paycheck deposits mean you can focus on the present while still building towards the future.
Open an account
{/* All that and then some */}
{/*FAQs*/}
FAQs
Vaults are sections of your savings that you create to earmark money for goals, an emergency fund, or just a rainy day—while still earning the same interest rate on all your money.
You can currently have up to 20 Vaults at a time.
No, Vaults have zero fees and no minimums. It’s all part of our goal to make SoFi a great way to spend and save.
Roundups are a way to help you save automatically—every time you spend using your SoFi debit card. When you turn on Roundups, each purchase on your SoFi debit card will be rounded up to the next whole dollar. That amount will automatically be transferred from your spending balance to the Vault you prefer.
For example, we’d round up a $1.40 purchase on your SoFi debit card to $2.00 and transfer the $0.60 difference to your Emergency Fund Vault. Purchases in whole dollar amounts, like $5.00, won’t be eligible for Roundups.
You can change your Roundup settings at any time by going to your SoFi Checking and Savings account, clicking Vaults, and clicking the Manage Roundups link.
Currently, Roundups can only be applied to one Vault at a time. We know that many members want ways to save even faster, so look for more options coming later this year.
Roundups occur when a debit card purchase settles in your account. Some purchases settle immediately, others may take 1-3 days to settle, and may have a different final amount (for example, purchases with a tip).
Yes! Just log into your account then select the source, amount, and frequency of the transfer. It’s that easy.
Setting up AutoSave only takes a few seconds. Simply set a specific dollar amount or percentage of your paycheck you’d like to save. Then, we’ll automatically transfer that amount to your savings Vault every time you get paid.
Explore other online banking features:
Zelle® →
{/* You might also like */}
You might also like
Home > Banking > Online Banking >Automatic Saving Tools
Nov
28
2022
MBA Loans | SoFi
Student loans with
competitive rates
for MBA programs.
SoFi takes the headache out of student loans for MBAs, so you can keep your focus on mastering the art of business administration (and honestly, how many people can say they mastered something?).
View your rate
New! Cash bonus for good grades.
Up to $2502 with GPAs 3.0 or higher.
Learn more
Received a mailer from us?
Here to help you pay for your MBA student loan.
We know how hard you’ve worked. Now you can pay for that hard work with premium, competitive-rate business school loans.
All online. All easy.
Finish our simple online application in minutes—and finish it even quicker for your next MBA loan or a graduate student loan with our fast track application, which will prefill your info. Plus, get access to live customer support 7 days a week.
No fees required. No fuss.
No fees required means no fees required. That means no origination fees, no late fees, and no insufficient funds fees. Period.
Competitive rates.
You’re ambitious and probably competitive–much like our rates. Our student loans with competitive rates and flexible term options for business school can help you in the next stage of your education.
Exclusive member benefits.
SoFi members can qualify for exclusive rate discounts. You’ll get access to financial advisors, networking events, and more—all at no additional cost.
MBA STUDENT LOANS
Earn and redeem points to pay down your SoFi MBA loan.
You can redeem your rewards points to pay down your SoFi student loan for your MBA. Earning rewards points is as easy as setting up bill pay, checking your credit score, and more.
Learn more
For complete Member Rewards details, read our Terms of Service.
MBA student loan rates.
Choose from competitive fixed or variable rates for business school.
Not sure which to choose?
Learn more.→
How to apply for private MBA loans from SoFi?
-
1
Apply online in just minutes.
Get your rate fast and find out if you’re prequalified before you even finish the full application. Seamlessly add a cosigner to your MBA student loan in just a few clicks.
-
2
Select your rate and repayment option.
Choose from fixed or variable rates. Then, pick from four repayment options.
-
3
Sign and accept your MBA loan.
Upload screenshots of your info, sign your paperwork electronically, and voilà—your student loan for MBA is in the works! We’ll handle it from there.
View your rate
SoFi student MBA student loans vs. other lenders.
‘Multiple Repayment Term Options’,
]}
sofiCard={[
‘Sofi’,
‘3 minutes’,
‘No fees’,
‘4’,
‘Yes’,
‘Yes’,
‘Yes (5,7,10,15 year terms)’,
]}
competitorCards={[
[
‘Sallie Mae’,
’15 minutes’,
‘Late fee + returned check’,
‘3’,
‘No’,
‘No’,
‘No (terms assigned by lender)’,
],
[
‘Discover’,
’15 minutes’,
‘No fees’,
‘3’,
‘No’,
‘No’,
‘No (15 year terms)’,
],
]}
/>
Comparisons based on information obtained on lenders’ websites as of July 11, 2021
View your rate
Repay MBA student loans your way.
Pick the repayment option that works for you and your budget.
Deferred
Start paying principal and interest payments on your MBA loan, six months after you graduate.
- No payments while in school
- Highest overall cost option
Interest only
Pay only interest payments while you’re in school.
- Moderate payment while in school
- Reduces overall cost
Partial
Pay a $25 fixed monthly payment while you’re in school.
- Lowest payment option while in school
- Reduces some of the overall cost
Immediate
Start paying principal and interest payments on your MBA student loan right away.
- Highest payment option while in school
- Lowest overall cost option
View MBA repayment examples
MBA student loans on your terms.
You’ve got the choice of four different term options for MBA loans. Pick the rate and schedule that feels right for you.
You got the job—now get the MBA.
Now you can use your job offer letter as proof of income when applying for an MBA student loan.3 As long as your start date is within 1 year, you’ll be good to go.
View your rate
MBA Loan FAQs
You can apply and get a credit decision within minutes. If approved, you would then need to accept your terms and electronically sign your loan documents. At that point, we send the loan application information to the school for certification. During this process, schools verify your enrollment status, academic progress, and your financial aid package. Every school has their own processes and timelines, so certification can take several days or sometimes weeks. Once we receive the certification back from the school, we’ll schedule the funds to be sent according to the school’s requested timeline. The entire process from application to actually sending the money to the school typically takes at least 4-6 weeks, but it can be shorter or longer than that depending on the school.
- Social Security number or Tax Identification Number (TIN) are required from all borrowers all the time
- Proof of income: You may be required to provide proof of income if SoFi is not able to validate it automatically. We could use something similar for gov’t id.
- Government-issued ID
- Student’s school information (student’s estimated graduation date and academic term)
- Loan amount (how much you’d like to borrow)
- Financial aid you expect to receive
- Do you already have a private student loan with SoFi? We’ll use your past application to pre-fill as much information as possible in your new application
SoFi’s eligible school list consists of most public and private, degree-granting institutions.
See more FAQs
MBA loan resources, and more.
Got more questions about student loans for MBAs? Our online resource center covers MBA loans and more with over 500 articles, budgeting tools, and guides.
Visit SoFi Learn
Terms and Conditions Apply. SOFI RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS AND BENEFITS AT ANY TIME WITHOUT NOTICE. SoFi Private Student loans are subject to program terms and restrictions, such as completion of a loan application and self-certification form, verification of application information, the student’s at least half-time enrollment in a degree program at a SoFi-participating school and, if applicable, a co-signer. In addition, borrowers must be U.S. citizens or other eligible status, be residing in the U.S., and must meet SoFi’s underwriting requirements, including verification of sufficient income to support your ability to repay. Minimum loan amount is $1,000. See SoFi.com/eligibility for more information. View MBA payment examples. View Law payment examples. Lowest rates reserved for the most creditworthy borrowers. SoFi reserves the right to modify eligibility criteria at any time. This information is subject to change. This information is current as of 12/15/25 and is subject to change.
* Interest Rates: Eligibility and Important Details. Fixed rates range from 3.18% APR to 14.83% APR with all discounts. Variable rates range from 4.39% APR to 15.86% APR with all discounts. Unless required to be lower to comply with applicable law, Variable Interest rates are capped at 17.95%. SoFi rate ranges are current as of 6/1/23 and are subject to change at any time. Your actual rate will be within the range of rates listed above and will depend on the term and type of repayment option you select, evaluation of your creditworthiness, income, presence of a co-signer (if applicable) and a variety of other factors. Lowest rates reserved for the most creditworthy borrowers. Check out our eligibility criteria at https://www.sofi.com/eligibility-criteria/. For the SoFi variable-rate product, the variable interest rate for a given month is derived by adding a margin to the 30-day average SOFR index, published two business days preceding such calendar month, rounded up to the nearest one hundredth of one percent (0.01% or 0.0001). APRs for variable-rate loans may increase after origination if the SOFR index increases. The SoFi 0.25% autopay interest rate reduction requires you to agree to make monthly principal and interest payments by an automatic monthly deduction from a savings or checking account. This benefit will discontinue and be lost for periods in which you do not pay by automatic deduction from a savings or checking account. The benefit lowers your interest rate but does not change the amount of your monthly payment. This benefit is suspended during periods of deferment and forbearance. Autopay is not required to receive a loan from SoFi.
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