SoFi Blog

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Personal Loan – Rates (table only)

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

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Avant Personal Loan

Loans for people with excellent credit

Personal Loans at fixed rates from 7.74% APR to 35.49% APR (with AutoPay)5.

Find My Rate

Checking your rate will not affect your credit score.

SoFi has partnered with Avant to provide loans to more customers

SoFi takes a unique approach to underwriting that looks at your income, career, and financial history to get you the rate you deserve. With low rates and a fixed monthly payment, you can pay off high interest debt, like credit cards, or make a major purchase. It only takes minutes to apply.

Why SoFi?

Serious
Savings

Borrow from $5k-$100k at fixed rates that range from 7.74% APR to 35.49% APR (with all discounts)5, 7

No Fees.
No Catch.

No origination fees or pre-payment penalties. What you see is what you get.

Exclusive
Rates

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

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

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5 Proven Ways to Build Trust — and Your Reputation — for a Successful Career

Over the past few weeks, our career strategy team has been busy sharing research, words of wisdom and webinars on the “new fundamentals for career success.” We do this because we’re committed to our members’ success and happiness. When they win, we win. And in order to stay ahead and win big in the career game, these fundamentals, which include resilience and relationships, matter a whole lot. This week, I pick up where we left off, with the third piece to the puzzle — reputation — and why trust is so integral to it all.

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What to Consider When Remodeling on a Budget

Editor’s Note: The following article on home renovation and budgeting originally appeared on our web partner Houzz’s website. Some of the content has been slightly edited from its original version, and is written from the perspective of a home designer.

The budget conversation — it’s sometimes awkward, often slightly uncomfortable and usually comes with a bit of anxiety. Because of the nature of construction, things often cost more than what homeowners think. There are endless debates on why that is, but the result is that we designers often have conversations with our clients that end with an awkward silence. The silence usually means that certain aspects of the project might be out of our clients’ reach. And truth be told, we really don’t like being the messenger in these conversations. We want our clients to be satisfied with the process and get what they really want.

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