SoFi Blog

Tips and news—
for your financial moves.

Jul
10
2024

PL Home Improvement Loans | SEM

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HOME IMPROVEMENT LOANS

Break ground with a
SoFi home
improvement loan.


View your rate

Checking won’t affect your credit score.

✓ No fees required
✓ Fast funding1
✓ No collateral required


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Checking won’t affect your credit score.

Why SoFi for your home improvement loan?


View your rate

Checking won’t affect your credit score.

Absolutely no fees required

Surprises and home renovations go hand in hand. But what you see is what you get with a SoFi home improvement loan—no fees required, fixed payments, period.

No collateral

Our home improvement loan is a personal loan, meaning your home equity—or anything else—isn’t on the line.

Fast funding

Get your funds as soon as the same day1 your loan is approved so you can get started on your home renovation ASAP.

Fixed payments

With fixed monthly payments over a set term, you’ll know when and how to pay off the debt up front, so you can keep your project at or under budget.


View your rate

Checking won’t affect your credit score.

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Over 12.6M million members love SoFi.


The savings and experiences of members herein may not be representative of the experiences of all members.
Savings are not guaranteed and will vary based on your unique situation and other factors.

Get started in 60 seconds.

Your home renovation awaits. View your rate on a SoFi home improvement
loan in one minute—literally.


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Checking won’t affect your credit score.


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Jul
09
2024

Debit Card

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SoFi Debit Card

Put your spending power in your wallet and on your phone.

Tap and pay the way you want with a SoFi debit card. Every SoFi member gets a debit card when they open a SoFi Checking and Savings account.


Open an account

What’s a debit card and how does it work?

A debit card is a payment card that lets you spend money directly from your checking account. When you need to make a purchase:

  • In person:

    Swipe, insert, or tap your bank debit card. Or tap your phone if you’ve added your card to your digital wallet. You may need to enter your PIN. SoFi debit cards are contactless and mobile wallet capable

  • Online or over the phone:

    Use your card number to make purchases, expiration date, and security code. You can use a SoFi debit card anywhere Mastercard is accepted.

  • ATMs:

    Get cash from your checking account by using your debit card. SoFi uses Allpoint ATMs.

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Why choose a
SoFi debit card?

In-app activation and management.

Activate your card, reset your pin, and lock your card—all from the SoFi mobile app.

Tap to pay.

SoFi debit cards have contactless chip technology.

Pay with your phone.

Leave your physical card at home and add your SoFi debit card to your mobile wallet.

Secure payments.

With the SoFi debit card, you get security features like credit monitoring and suspicious activity alerts.

Extra perks from Mastercard.

SoFi debit card isn’t your average bank card. Enjoy extras like Mastercard Airport Concierge, Mastercard gold, and Mastercard ID Theft protection. 

No account fees.

Don’t worry about overdraft, minimum balance, or monthly fees. Use your debit card when you need it.


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How to get a SoFi debit card:

  • Open a SoFi Checking and Savings account
    online or in the app.

    It only takes a few minutes to create your account. 

  • Fund your account.

    Easily transfer money to your account or set up direct deposit. 

  • Activate your SoFi debit card.

    Activate your card in just a few moments using the SoFi app.


Open an account


 Learn more about debit cards.







FAQs


How do I activate my debit card?

Easily and quickly activate your card using the SoFi app and following these step-by-step instructions.


What’s the difference between a debit and credit card?

Debit cards deduct directly from your checking account. Credit cards let you borrow money and pay later—typically with interest. Debit cards can help you with budgeting and avoiding debt. Credit cards can help build credit and may offer rewards.


Do you have to pay monthly for a debit card?

SoFi Checking and Savings—and the SoFi debit card—don’t have fees.


Is there a withdrawal limit on my debit card?

For SoFi checking accounts, the most you can withdraw in a day is $1,000. The daily debit card use limit is $6,000.


Am I able to lock my debit card?

Yes. You can lock your debit card in just a few taps using the SoFi app and these instructions.


Can I use my SoFi debit card in other countries?

Yes, you can use your debit card in most countries. Note that the Office of Foreign Assets Control prohibits business with certain countries and your SoFi debit card may not work in those locations. Learn more.


Is the SoFi debit card a prepaid card or a true debit card?

The SoFi debit card is a true debit card. You can use it to access funds in your checking account.

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Start tapping your own
SoFi debit card.


Open an account

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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)

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