Pay off credit card balances and save.

Fixed rates range from 8.99% APR to 29.49% APR,
when you enroll in AutoPay5.

Find My Rate

Checking your rate will not affect your credit score.


Have credit card balances? You’re not alone—there are over a million people in the U.S. with great credit scores and recurring credit card debt. But what if you could trade in your sky-high credit card rates for one monthly payment, in one place, at one low rate? Apply for a SoFi fixed rate personal loan and start saving as you take a responsible path to paying down your debt.

Why SoFi?


Borrowers reduced their interest rate by 44% on average6b.


On average, members increased their FICO(R) scores by 22 points after consolidating $10,000+ in credit card debt6a.

No Fees.
No Catch.

No origination fees or pre-payment penalties. What you see is what you get.


If you lose your job, we’ll temporarily pause your payments and help you find a new job4.


Get a 0.125% rate discount✝✝ on an additional SoFi loan—just for being a member.


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

Find My Rate

Personal Loan Comparison6

Here’s how SoFi Personal Loans compare

SoFi Credit Cards 401(k) Loan Home Equity Loan
APR range

Fixed Rates

8.99% – 29.49%

(with AutoPay)5

12.00 – 22.86%6

Varies Varies
Fees No Fees 3% Balance Transfer Origination Application
Term 2, 3, 5, 7 years Rolling 5 years, or 60 days if you lose your job 5 – 30 years
Instant Pre-Approval Yes Yes N/A No
Amount $5,000 – $100,000 Varies Up to 50% of vested 401(k) balance or $50,000 Up to 80% of home equity
Unemployment Protection4 Yes No No No

Find My Rate

How do we offer such low rates?

We’re efficient because we’re digital and innovative. Doing business online allows us to keep expenses down. We then pass these savings onto our members. And, we look beyond just credit scores and debt-to-income ratios to consider factors like estimated cashflow, career, and education. So while other lenders charge higher rates to account for the possibility that borrowers won’t pay back their loans, our unique underwriting process helps ensure our members have a high likelihood of making their payments.

How much can you save?

SoFi Personal Loan6c High Rate Credit Card6c
Balance $30,000 $30,000
Interest Rate 11.38% APR 16.38% APR
Monthly Payment $598 $736
5-year Interest Paid $5,855 $14,137

Savings with SoFi: $8,2826c

Questions? Call us for a free consultation at 855-456-7634

Find My Rate
TLS 1.2 Encrypted
Equal Housing Lender