SoFi Blog

Tips and news—
for your financial moves.

SoFi Bill Pay

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Online Bill Pay

Make bill payments faster, easier, and less painful.

With a SoFi Checking and Savings account, you can easily pay for your utilities, mortgage, credit cards, and more without hassle—or fees*—all from the app.


Open an account

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Pay all your bills online, all in one place.

Plus, keep track of everything going on in your account.

Make payments on your schedule.

Set up payments to companies or individuals on a one-time or monthly basis.

Pay bills safely and securely.

Get peace of mind when you process bills directly via the SoFi app. Bills to companies are processed electronically, and payments to individuals are processed via certified USPS delivery. 

Keep track of your payments.

By adding SoFi Insights1, you can view recurring bills, track monthly spending, and get automatic categorization of payments.


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    How to pay bills online with SoFi.

  • Open a SoFi Checking and Savings account.

    Provide basic information to open an account in minutes. If you set up direct deposit, we’ll throw in a cash bonus of up to $300.

  • Select “Pay bills.”

    Once you fund your account, head to your checking dashboard to start paying bills. 

  • Choose biller accounts.

    Select your accounts from the list or manually enter their information.

  • Enter dollar amount and frequency.

    Finally, choose how much and how often to pay the biller. This is where you can set up automatic bill payments.


  • Open an account

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A bank account that goes beyond bill payments—way beyond.

This isn’t your average bank account. With SoFi Checking and Savings, you can receive your paycheck up to two days early^ and get up to a $300 cash bonus when you set up direct deposit.

The best part? You can get up to 3.60% APY on your balances with direct deposit.


Open an account


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FAQs


How do I pay bills using the SoFi App?

To pay bills using the SoFi app, simply tap “Banking”, then “Pay Bills.” You can select a new or existing payee, enter the dollar amount, and select your frequency. 


What kind of bills can I pay online using SoFi?

You can pay just about any bill using SoFi’s bill pay service, including utilities, credit card, loans, and more. 


How quickly do bill payments go through when using my SoFi Checking account?

It can vary slightly but electronic bill payments generally take two to three business days to complete. Though your payment might not show immediately, it will be credited as of the delivery date. If you make your payment on time, there’s nothing to worry about. 


Can I set up automatic bill payments?

Yes. To set up automatic bill payments, simply choose your preferred payment frequency after entering the amount you’d like to pay. For example, let’s say you select “Monthly” as the frequency for your WiFi bill. Moving forward, we’ll automatically transfer funds from your checking account to your WiFi biller on a monthly basis.


How do I make a one-time bill payment?

Choose the “Pay Bills” option, select the company you want to pay, and specify that you want to make a one-time payment in the “Frequency” field.


Are there fees for paying bills through SoFi?

There are no fees for paying bills through SoFi.


Explore other online banking features:

Mobile Banking

Zelle®

Transfers

Mobile Check Deposit

Automatic Saving Tools

Online Banking Security

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Make your bill payments smarter, not harder.

Ready to take the stress out of paying bills? Open a SoFi Checking and Savings account today.


Get started


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Get the skills for paying bills













Home > Banking > Online Banking >Online Bill Pay

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DM – HL Prospect Trigger (New)

With a SoFi Mortgage,
You’re eligible for a
$1,000 cash bonus.*

Here’s a great reason to choose SoFi for your next home
purchase or refi. Get a $1,000 cash bonus into a SoFi Checking
and Savings account once your loan is funded! Start by viewing your
rate-it takes minutes and won’t affect your credit score.

Confirmation # required


Where’s my confirmation #?

Your confirmation # is a 13—digit code on the right hand side of the SoFi offer you received in the mail.


 

Don’t worry—checking your rate will not affect your credit score.


Why SoFi

Mortgages?

Help when you need it.

Our Mortgage Loan Officers (MLOs) can guide you through the process—and we have member specialists standing by to answer any other questions.

Flexible loan options

✓ Choose from 10-, 15-, 20-, and 30-year fixed terms5-8

Simple online application.

Buying a home shouldn’t be so painful–our online application is simple, and we have dedicated Mortgage Loan Officers to guide you through the process.

Low down payment options

Down payments as low as 3% for first-time borrowers^, or as low as 5% for other borrowers.^

Private Mortgage Insurance (PMI) is an insurance that protects lenders in the event of loan default.

^ SoFi requires Private Mortgage Insurance (PMI) for conforming conventional home loans with a loan-to-value (LTV) ratio greater than 80%. Other loan types may require different fees or insurance (e.g., VA funding fee, FHA Mortgage Insurance Premiums, etc.). Loan requirements may vary depending on your down payment amount, and minimum down payment varies by loan type.

Lock in today’s rate and find the home you love.

Our Lock and Look feature² allows you to lock in your rate for 90 days while you search for the perfect place to call home.


Close. On. Time.

Guaranteed.

You deserve a more zen mortgage. Our Mortgage Loan Officers are dedicated to closing your new home purchase on time – backed by our $5,000 guarantee offer.


⁵ 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.

⁶ 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.

⁷ 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.

⁸ 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.

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Sam Auto Refresh


AUTO INSURANCE

Auto insurance
made easy.

We’ve teamed up with Experian® to help you protect your vehicle with the right auto insurance coverage at the right price.


Compare quotes now

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Get coverage that’s right for you.

  • Compare quotes

    Check prices and coverage options from a network of top insurance providers.

  • Save time

    Answer a few simple questions to get all your quotes in minutes, all in one place.

  • Personalized coverage

    See options tailored to fit your needs and compare them to your current policy.

  • Great rates

    Competitive quotes from different providers could help you save $961 a year on average.*

How it works:

How it works:


  • Personalize it.

    Answer a few questions about your
    home and needs.

  • See your quotes.

    Get offers from up to 40 top insurers
    to find the best rate.

  • Get covered.

    Purchase your favorite policy. That’s it!


Compare quotes now

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FAQs


How is Experian® different from other insurance companies?
Experian® is an online insurance broker and agent. Experian® doesn’t replace the insurance company, it just helps you shop. Experian’s product is a free tool that helps you compare auto and home insurance rates across top providers and finds you the cheapest rate for your exact coverage.


How does Experian® work?
Experian® uses the account credentials to your current insurance account (or a PDF of your policy declarations page) to learn about your current coverage details, so you don’t have to input them manually. Experian® uses those details to get you apples-to-apples comparisons for the same coverage from other insurance providers to find a great rate. If you don’t want to use this feature, you can manually enter your information and select coverage type to get a quote.


How does Experian® make money?
Just like all agents, Experian® is paid a commission by the insurance company. There is no upcharge to you, Experian’s tool is free for you to use. These commissions are from the insurance companies’ marketing budgets given Experian® brought them new customers, not from your premiums. Your rates are the rates provided and don’t change. Experian® shows you quotes based on your savings. Experian® does not sell or share your data and doesn’t cold call or spam its customers.


See all FAQs



Get auto insurance today.


Compare quotes now

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