Pay off credit card balances and save.

Fixed rates range from 5.99% APR to 17.67% APR,
when you enroll in AutoPay5.

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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.

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Personal Loan Comparison6

Here’s how SoFi Personal Loans compare

SoFiCredit Cards401(k) LoanHome Equity Loan
APR range

Fixed Rates

5.99% – 17.67%

(with AutoPay)5

12.00 – 22.86%6

FeesNo Fees3% Balance TransferOriginationApplication
Term2, 3, 5, 7 yearsRolling5 years, or 60 days if you lose your job5 – 30 years
Instant Pre-ApprovalYesYesN/ANo
Amount$5,000 – $100,000VariesUp to 50% of vested 401(k) balance or $50,000Up to 80% of home equity
Unemployment Protection4YesNoNoNo

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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 Loan6cHigh Rate Credit Card6c
Interest Rate8.20% APR16.38% 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

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