May
14
2021
Banks Extend Loans to Customers Without Credit Scores
Some of the nation’s largest banks are willing to look beyond credit scores when approving borrowers. Learn more here.
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SoFi Blog
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for your financial moves.
May
13
2021
Erik Test Homepage [LIVE]
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Save 25% or more on mortgage refi loan fees.*
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*This offer provides loan fee savings of 25% or more for eligible borrowers. Loan fees discounted include both SoFi fees and fees assessed by third parties. Fee savings applies only to mortgage refinances (excluding Jumbo). To receive the fee savings, you must apply for, be approved for, and lock your rate by 12/11/25. The discount will be reflected in the rate you are provided at the time of lock. This discount cannot be combined with other offers, with the exception of the standard $500 Member discount and the $1000 SoFi Plus Member discount. SoFi reserves the right to change or terminate this offer at any time with or without notice to you.
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Get a 0.25% rate discount* on a private student loan.
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*Subject to loan approval. Offer ends 1/30/26. Terms and conditions apply.
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*Eligible only for 7, 10, 15, and 20-year loan terms and fixed rate. Not available to borrowers in the Medical Residency ReFi program. Only eligible to take a SoFi SmartStart loan one time. Learn more at SoFi.com/eligibility.
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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 $5364.84 due at closing. The Annual Percentage Rate is 5.778%. 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 5.250%, LTV 80% is $2910.00 for full Principal and Interest Payments with $5187.46 due at closing. The Annual Percentage Rate is 5.612%. 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 5.990%, LTV 80% is $2591.00 for full Principal and Interest Payments with $4952.16 due at closing. The Annual Percentage Rate is 6.276%. 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 6.125%, LTV 80% is $2200.00 for full Principal and Interest Payments with $4695.14 due at closing. The Annual Percentage Rate is 6.335%. 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 8.74% 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 12/14/25 and are subject to change without notice. The average of SoFi Personal Loans funded in 2022 was around $30K. Not all applicants qualify for the lowest rate. 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.
PERSONAL LOAN INTEREST RATES AND FEES | ELIGIBILITY AND IMPORTANT DETAILS. Annual percentage rates (APRs) shown include the 0.25% autopay discount. If approved for a loan, the rates and terms offered will depend on things like creditworthiness, the length of the loan, and other factors, and will fall within the range of rates available by applicable loan term; check out our full APR examples and terms. Remember, not all applicants will qualify for the lowest rate. Want to learn more? See our eligibility criteria at SoFi.com/eligibility-criteria. SoFi reserves the right to change interest rates at any time without notice, changes would only apply to applications begun after the effective date of the change. Fixed Rates: Fixed rates range from 8.74% APR to 35.49% APR (with autopay). The SoFi 0.25% autopay interest rate reduction requires you to agree to make your scheduled monthly payments by an automatic monthly deduction (ACH) from a savings or checking account. Enrolling in autopay is not required to receive a loan from SoFi. Loan Terms: SoFi Personal Loans offer loans with a period of repayment between 2 and 7-year terms. Loan Fees: SoFi personal loans have no fees required; specifically, no origination fees required, no late fees, no prepayment penalties.
PERSONAL LOAN | REPAYMENT EXAMPLE. The following example depicts the APR, monthly payment and total payments during the life of a $30,000 personal loan with a 2-year repayment term, a 0.25% autopay discount, and a fixed rate between 8.74% APR to 35.49% APR. It works out to 24 monthly payments ranging from $1,356.68–$1,529.07 for a total amount of payments ranging from $32,560.37–$36,697.76. This repayment example assumes that the borrower is signed up for autopay and that all payments are made on time, with no pre-payments. Actual rates may vary based on repayment term, loan amount, creditworthiness, and other terms and conditions. SoFi does not offer variable rate personal loans. State restrictions may apply.
May
12
2021
Relay Investment Tracker
See all your
investments in
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SoFi Relay provides a detailed breakdown of your accounts and individual holdings, giving visibility into your investment performance.
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The insights you’ve always wanted.
SoFi Relay helps you understand how all your investments change with the market.
Track all your investments.
Connect your investment accounts and get updates on your portfolio.
Manage progress towards your retirement.
SoFi Relay automatically categorizes your retirement accounts so that you can see how close you are to your retirement goal.
See changes in your net worth.
Helpful charts and tables make it easy to track changes in your net worth over time.
Get financial advice from a specialist.
Access SoFi Member benefits like personalized advice from a credentialed financial planner at no additional cost.
FAQs
SoFi leverages the TransUnion VantageScore 3.0 model which includes several key components:
- Payment History – comprised of whether you regularly pay your bills on time.
- Credit Age and Type – average age of your credit accounts and mix of various types such as revolving debt and installment debt. An example of revolving debt is a credit card and an example of installment debt is a student loan.
- Credit Utilization – the percentage of your credit limit you currently have outstanding.
- Balances – balances on your credit accounts including current balances as well as delinquent accounts.
- Inquiries – recent inquiries or applications for new credit.
- Available Credit – amount of available credit that is unused.
Checking your own credit report is considered a soft inquiry, which does not impact your credit score.
Your credit score is used by lenders, among others, as they review your applications for credit and determine your creditworthiness which might influence if they are willing to extend credit and at what terms. It might also be used by landlords, utility providers, and prospective employers.
See more FAQs
May
12
2021
Relay Money Management
Spend and Save
Smarter.
SoFi Relay helps you set budgets, categorize your spending, and spot upcoming bills – all for free.
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The insights you’ve always wanted.
Stay on top of your finances by seeing where your money comes and goes.
Say hello to a budget planner.
Say goodbye to spreadsheets with our customizable budgets. Easily set budgets and get updates on your progress.
See upcoming bills.
Don’t pay more than you need to. We’ll track bills to help make sure you never miss a due date.
Get insights into your spending.
Spending categories lets you see how your money gets earned and spent each month across all your SoFi and external accounts.
Free credit score & credit utilization insights.
Track your credit score weekly and understand the factors that drive change, like your credit utilization.
FAQs
SoFi leverages the TransUnion VantageScore 3.0 model which includes several key components:
- Payment History – comprised of whether you regularly pay your bills on time.
- Credit Age and Type – average age of your credit accounts and mix of various types such as revolving debt and installment debt. An example of revolving debt is a credit card and an example of installment debt is a student loan.
- Credit Utilization – the percentage of your credit limit you currently have outstanding.
- Balances – balances on your credit accounts including current balances as well as delinquent accounts.
- Inquiries – recent inquiries or applications for new credit.
- Available Credit – amount of available credit that is unused.
Checking your own credit report is considered a soft inquiry, which does not impact your credit score.
Your credit score is used by lenders, among others, as they review your applications for credit and determine your creditworthiness which might influence if they are willing to extend credit and at what terms. It might also be used by landlords, utility providers, and prospective employers.
See more FAQs
May
12
2021
Credit Score Monitoring
Check your score and
start building your credit.
SoFi Relay tracks your credit score and gives you real-time alerts when your score changes and insights you can take to improve your credit.
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Get Your Money Right® starts with your credit score
Sign up for credit score monitoring in under a minute and
begin getting insights into your financial health.
Monitor your credit score.
Track your credit score at no cost, with weekly updates to help you stay on top of when your score changes.
Get Insights On Your Credit.
Understand the factors that drive your credit score and what you can do to influence them.
Manage Your Credit Utilization.
Link your credit & loan accounts to to actively monitor your utilization and payment progress.
Get Financial Advice from an Expert.
Access SoFi Member benefits like personalized advice from a credentialed financial planner for no cost.
The power to track what impacts
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Understand what affects your score.
Stay up-to-date with any changes to the key factors contributing to your credit score and learn about the influence you can have on them.
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Get your VantageScore® 3.0 credit score, a model developed by all three national credit reporting companies.
This won’t hurt your credit score, or your wallet.
We only do a “soft” pull on your credit. Check your score as often as you want—it won’t hurt your score, and it’s at no cost to you.
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FAQs
SoFi leverages the TransUnion VantageScore 3.0 model which includes several key components:
- Payment History – comprised of whether you regularly pay your bills on time.
- Credit Age and Type – average age of your credit accounts and mix of various types such as revolving debt and installment debt. An example of revolving debt is a credit card and an example of installment debt is a student loan.
- Credit Utilization – the percentage of your credit limit you currently have outstanding.
- Balances – balances on your credit accounts including current balances as well as delinquent accounts.
- Inquiries – recent inquiries or applications for new credit.
- Available Credit – amount of available credit that is unused.
Checking your own credit report is considered a soft inquiry, which does not impact your credit score.
Your credit score is used by lenders, among others, as they review your applications for credit and determine your creditworthiness which might influence if they are willing to extend credit and at what terms. It might also be used by landlords, utility providers, and prospective employers.
See more FAQs
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