Apr
06
2023
SoFi Blog
Tips and news—
for your financial moves.
Apr
06
2023
Apr
06
2023
Liz Looks at: Earnings Season Kickoff
SoFi’s head of investment strategy explains why the Q1 earnings season may be a crucial indicator for the economic picture that’s unfolding in 2023.
Read moreApr
05
2023
SoFi Invest SEM
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Start investing today
for as little as $5.
Trade stocks and ETFs, invest in IPOs at IPO prices, or try automated investing. Plus, you’ll get up to $1,000 in stock when you fund a new account.†
Open an account
Automated Investing and advisory services are provided by SoFi Wealth LLC. Brokerage services are provided to SoFi Wealth LLC by SoFi Securities LLC.
Active Investing and brokerage services are provided by SoFi Securities LLC, Member FINRA/SIPC.
†Customer must fund their Active Invest account with at least $10 within 30 days of opening the account. Probability of customer receiving $1,000 is 0.028%. See full terms and conditions.
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New! All-in-one
investing.
Now with IPOs.*
Invest in IPOs before public trading begins, trade stocks, and ETFs or start automated investing.
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Download the app and get up to
$1,000 when you open an account.
**No purchase necessary. Probability of customer receiving $1,000 is 0.028%. See full terms and conditions.
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More ways to
invest—all in one place.
Active Investing
Trade stocks and ETFs with no commissions or participate in upcoming IPOs before they trade on the public market. Plus, fractional shares mean you can buy a piece of your favorite companies for as little as $5. Restrictions may apply.**
Automated Investing
Not sure where to start? Tell us your risk tolerance and goals, and you’ll get a diversified portfolio automatically managed for you – with no SoFi management fee.
Retirement Accounts
Save for retirement with our active or automated Traditional, Roth, and SEP IRAs. Get access to a broad range of investment options, member services, and our robust suite of planning and investment tools.
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Please review the Customer Relationship Summary (Form CRS) which contains important information about the product, services, fees, and conflicts of interests of SoFi Securities LLC.
You may also learn more about SoFi Securities LLC and its Representatives on FINRA’s BrokerCheck.
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Please review the Customer Relationship Summary (Form CRS) which contains important information about the product, services, fees, and conflicts of interests of SoFi Securities LLC.
You may also learn more about SoFi Securities LLC and its Representatives on FINRA’s BrokerCheck.
Learn more about investing.
See more investing articles
FAQs
Many brokerages charge trading fees to use their platforms. SoFi Invest offers online stock trading with no commissions so you can trade what you want, when you want—all from the SoFi App.
Go to SoFi Invest Home in the mobile app, tap Get Started, select Start Investing under active investing account. There you’ll find step-by-step instructions on how to get started. Or if you prefer desktop, head here.
Yes! You can purchase fractional shares for some stocks. We maintain a list of securities available for fractional trading in our fractional shares collection. All of these securities will appear on our “Fractional Collection” page within the Discovery section of the app. Trading restrictions may apply.
Yes—SoFi Active Investing allows users to buy and sell stocks and ETFs of their own choosing! For a more hands off investing approach, you can also select SoFi Automated Investing.
Nope—with SoFi you can get started investing with as little as $5.
See more FAQs
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 12/17/25 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%-6%, 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.
Read moreApr
05
2023
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