No origination fees. Low rates.
We’ve got your back.

Are you paying more than 10% interest on your credit cards? A SoFi Personal Loan could help you save thousands. With low rates and a fixed monthly payment, you can pay off high interest debt, like credit cards, or make a major purchase. It only takes minutes to apply.

Fixed rates start at (with Autopay)5
5.49% APR
Variables rates start at (with Autopay)5
5.00% APR
No origination fees, no prepayment penalties.
Find My Rate

Checking your rate will not affect your credit score.

Why SoFi?


Borrow from $5k-$100k at fixed rates that start at 5.49% APR (with AutoPay)5.

No Fees.
No Catch.

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


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.


If you lose your job, we’ll temporarily pause your payments and help you find a new job.4


Borrowers raise their credit scores by 17 points on average when paying off credit card debt**.

Find My Rate

So Easy

Find Your Rate

Get pre-approved online with no fees and no obligation.

Select Your Loan & Apply

Choose the loan that works for you and complete your application.

Sign electronically and receive your funds

Sign your documents and funds are deposited to your account.

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Equal Housing Lender