SoFi Blog

Tips and news—
for your financial moves.

Apr
22
2025

CK Essential | SoFi

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Welcome from Intuit Credit Karma

Credit you can rely on with no surprise fees.


Welcome from Intuit Credit Karma!

Credit you can rely on with no surprise fees

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Apr
22
2025

CK Everyday Cash Rewards | SoFi

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Welcome from Intuit Credit Karma

Earn up to 3% cash back rewards.1


Welcome from Intuit Credit Karma

Earn up to 3% cash back rewards1

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Apr
22
2025

CK Essential | SoFi

By | 1_Web_CreditCard | Comments Off on CK Essential | SoFi


Welcome from Intuit Credit Karma!

Credit you can rely on with no surprise fees.


Welcome from Intuit Credit Karma!

Credit you can rely on with no surprise fees

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Apr
21
2025

CK Essential Credit Card 9mo.

By | 1_Web_CreditCard | Comments Off on CK Essential Credit Card 9mo.

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New! Credit Card

It’s here—the new SoFi Essential Credit Card with no surprise fees.

Finally, a credit card that has your back—say goodbye to overlimit fees, returned payment fees, and annual fees.† Enjoy a special 0% Intro APR on balance transfers and purchases for nine months1 and a variable 32.99% APR after that, based on your creditworthiness. Balance transfers must be completed within 60 days of account opening.


Apply now




See Pricing, Terms & Conditions


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See Rewards Details

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More reasons you can count
on the SoFi Essential Credit Card.

Get a 0% Intro APR on balance transfers and purchases for nine months.1

No overlimit fees, returned payment fees, or foreign transaction fees.

No annual fee.†

Rest assured with Zero Fraud Liability Protection1 and ID Theft Protection.2

No penalty repricing—your APR won’t increase for making a late payment.

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Apr
21
2025

SoFi at Work | Private Student Loans

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PRIVATE STUDENT LOANS

Your student loan rate may
be lower than you think.


From undergrad to postgrad, SoFi at Work has your back with flexible repayment terms, competitive rates, and 100% of school-certified costs covered. Plus, you could qualify for a $250 principal paydown1 when you apply today—just make sure you apply through this page to get this benefit.


View your rate


Checking your rate will not affect your credit score.

PRIVATE STUDENT LOANS

Your student loan rate may be lower than you think.


From undergrad to postgrad, SoFi at Work has your back with flexible repayment terms, competitive rates, and 100% of school-certified costs covered. Plus, you could qualify for a $250 principal paydown1 when you apply today—just make sure you apply through this page to get this benefit.


View your rate


Checking your rate will not affect your credit score.†

Why choose a SoFi private student loan?

Easy online application process.

Prequalify for a SoFi Private Student Loan in minutes. And if you add a cosigner, you might improve your chances of getting approved for a low interest student loan.

No origination or late fees.

What you see is what you pay back with a private education loan from SoFi.

Rewards points to help pay down your student loan.

Easily earn rewards points2 by checking your credit score and more. Then, redeem them toward your student loan.

Good grades bonus.

With a SoFi Private Student Loan, you could earn rewards for good grades after each term—up to a $250 cash bonus to your SoFi Checking and Savings account for a 3.0 or higher GPA.3

Repay your way.

Select private education loan interest rates and monthly payments to fit your budget.

Rate discounts.

Returning in-school borrowers are eligible for additional 0.125% rate discounts.4

SoFi has private student loans
for your education.

We offer loans for college students at all stages of their academic career.
Whether you’re just starting as an undergrad or going for a medical degree, we have you covered.



Private loans for college, without the hassle. See private student loan rates for undergrads in minutes—with tips along the way.

View your rate.

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Get competitive-APR private loans to pay for college, with flexible repayment plans for qualified parents (and sponsors), too.

View your rate.

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Focus on grad school, not debt, with competitive private student interest rates for grads—including certificate programs.

View your rate.

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Get competitive private student loan rates for business school as you advance your career.

View your rate.

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Pay for law school with our premium, variable- or fixed-rate private student loans.

View your rate.

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Doctors, nurses, and others who answer the call of medicine deserve great private student loan interest rates.

View your rate.

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Choose a private student loan with great rates.

With private student loan interest rates, it’s good to have options. That’s why SoFi offers low fixed or variable interest rates. Here’s more about our private student loans:

  • Get covered for up to 100% of school-certified costs including living expenses, books, food, and more.

  • Our student loans apply to bachelor’s degrees or higher. And we cover graduate certificate programs, too.

  • We have loans for students entering fall, spring, and summer terms.


View your rate

How do SoFi Private Student Loans work?


  • Enter info.

    Apply for your student loan online by providing basic info and inviting a cosigner to the application (we recommend it!)

  • Check out rates and terms.

    View your rate options and estimated monthly payment, then select your loan terms.

  • Fund your private student loan.

    Sign your loan, wait for your school’s approval, and then it’s time to hit the books! Getting online student loans couldn’t be easier.


View your rate

Bottom line: Help starts with a phone call at 855-456-SOFI (7634) Mon.–Thu. 5am–7pm PT, and Fri.–Sun. 5am–5pm PT. An agent with safe and secure screen-share capabilities can answer questions and walk you through the process.

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Stay up to date on the latest business news and stock market happenings.

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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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