SoFi Blog

Tips and news—
for your financial moves.

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Personal Loans

Low rates. No fees. Personal loans made easy.

Fixed personal loan rates range from 8.74% APR to 35.49%
(with AutoPay).5

Find my rate

Checking your rate will not affect your credit score.


Pay off credit cards
or invest in home improvements.

Are you paying more than 20% interest on your credit cards? SoFi Personal Loans
could help you save thousands. With low personal loan interest rates and a fixed
monthly payment, you can get loans to pay off credit cards, pay off high interest
debt, or make a major purchase. It only takes minutes to apply.












Common Questions




Get started in minutes.

Speed matters. Which is why you can check loan rates—in just minutes.

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Refinance Student Loans

Save thousands on
your student loans.

Our new lower rates

could save
you money each month.

Find my rate



Checking your rate will not affect your credit score.✝︎


NOTICE: Recent legislative changes have suspended all federal student loan payments and waived interest charges on federally held loans until 12/31/20. Please carefully consider these changes before refinancing federally held loans with SoFi, as in doing so you will no longer qualify for these changes or other current or future benefits applicable to federally held loans.


Is now the right time
to refinance?

The recently passed CARES Act provides special benefits to people with federally held student loans. Find out more about what this means for you.



Learn more.


Why SoFi?


Serious savings

Save thousands of dollars thanks to flexible terms and low fixed or variable rates.

Fast, easy, and all online

Simple online application and access to live customer support 7 days a week.

No hidden fees, no catch

No application or origination fees. No pre-payment penalties.

Access to member benefits

SoFi members get financial advice and more—all at no cost.



SoFi is the leading

student loan

refinancing provider.

$18 billion
in refinanced student loans

550,000+
members have refinanced their student loans

98%
of surveyed members would recommend SoFi to a friend 3



How it works

Get pre-qualified online.

We’ll let you know if you’re qualified before you complete the full application.

Select your rate and term.

Choose between saving on your monthly payment or saving on total student loan interest.

Get your new loan.

Upload screenshots of your information, then sign your paperwork electronically. Then we’ll pay off your servicer(s) and issue you one new student loan.


FAQs


















Find your rate in just two minutes.


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