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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.

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Select from a variety of home loan options with mortgage rates, loan terms, and monthly payments that suit your budget.

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Mortgage Loan Terms

⁵ 10-YEAR Payment Example: The payment for a 10-year term, loan amount $362000.00, Rate 5.250%, LTV 80% is $3884.00 for full Principal and Interest Payments with $5194.70 due at closing. The Annual Percentage Rate is 5.767%. 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 $4901.48 due at closing. The Annual Percentage Rate is 5.474%. 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 5.750%, LTV 80% is $2542.00 for full Principal and Interest Payments with $6041.78 due at closing. The Annual Percentage Rate is 6.072%. 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 5.875%, LTV 80% is $2141.00 for full Principal and Interest Payments with $6030.92 due at closing. The Annual Percentage Rate is 6.117%. 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 7.74% 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 2/6/26 and are subject to change without notice. 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.

Autopay: 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. The benefit will discontinue and be lost for periods in which you do not pay by automatic deduction from a savings or checking account. Autopay is not required to receive a loan from SoFi.

SoFi Plus Discount: SoFi Plus members are eligible for an interest rate reduction of 0.25% on a Personal Loan. To be eligible for the discount, you must meet the SoFi Plus eligibility criteria within 31 days of the funding of your loan. For complete SoFi Plus eligibility, please see the SoFi Plus terms. When you enroll in SoFi Plus, the discount will lower the interest rate that applies to your loan only during periods in which you are enrolled in SoFi Plus. The discount will be removed during periods in which SoFi determines you are not enrolled in SoFi Plus. Each time your loan is re-amortized, your monthly payment amount will change based upon the interest rate that was in place. SoFi reserves the right to change or terminate this offer for unenrolled participants at any time. You are not required to enroll in SoFi Plus to be eligible for Loan approval.

2013 was a year of changes for student loans. While uncertainty over the future of federal interest rates had many borrowers on edge this summer, it reenergized the important conversation around student debt.

Holiday downtime is a great opportunity to start planning your career strategy for the new year.  In a recent guest post I wrote for The Daily Muse, I shared one of my favorite tips for people who want to be on an executive career path: build a “career advisory board.”  To learn more about it and how to create your own board, read on . . .

Private lender SoFi closes its first securitization of post-graduate student loans, the first of its kind from a P2P lender.

San Francisco, CA – SoFi (Social Finance, LLC), the private lender, announced today it has closed its inaugural securitization of post-graduate student loans. The transaction marks the first time a P2P lender has completed a public securitization.

Approximately $152MM of Senior Notes, rated Single-A by DBRS, were sold to top-tier institutional investors.

“This is a pivotal milestone for our company and the industry more broadly.” said SoFi Chief Financial Officer Nino Fanlo. “Successfully accessing the capital markets is a critical step in ensuring our borrowers and investors get the best deal available.”

Morgan Stanley & Co. LLC, an affiliate of Morgan Stanley (NYSE: MS), served as underwriter, and SoFi Securities assisted in placing the transaction.

About SoFi 
SoFi is the market leader in refinancing student loans and has funded $275 Million in loans to students and graduates from over 100 top universities. The company connects alumni borrowers with investors to reduce the cost of their student loans. Benefits like events, career advice, and professional mentorship deliver value beyond a traditional bank. To learn more about SoFi visit: www.sofi.com.

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