Are you paying more than 10% interest on your credit cards? SoFi Personal Loans could help you save thousands. With low personal loan interest rates and a fixed monthly payment, you can get loans to pay off credit cards, pay off high interest debt, or make a major purchase.
No origination fees or pre-payment penalties. What you see is what you get.
Borrowers raised their credit scores by 17 points on average when they paid off credit card debt**.
Get pre-qualified online with no hidden fees and no obligation.
Choose the loan that works for you and complete your application.
Sign your documents and funds are deposited to your account.
The following examples depict the APR, monthly payment and total payments during the life of a $30,000 personal loan. All personal loan APR rates below are shown with the Autopay Discount (0.25%)5. Your actual interest rate may be different than the rates in these examples and will be based on term of loan, your financial history and other factors. State restrictions may apply.
Fixed Rate Loans
| Term | Origination Fee | Rate (APR) | No. of Payments | Monthly Payment | Total Payments |
|---|---|---|---|---|---|
| 2 Years | None | 8.99% - 29.49% | 24 | [acf field='personal_2_year_fixed_low_monthly_payment' post_id='options'] - [acf field='personal_2_year_fixed_high_monthly_payment' post_id='options'] | [acf field='personal_2_year_fixed_low_total_payment' post_id='options'] - [acf field='personal_2_year_fixed_high_total_payment' post_id='options'] |
| 3 Years | None | 10.24% - 29.49% | 36 | [acf field='personal_3_year_fixed_low_monthly_payment' post_id='options'] - [acf field='personal_3_year_fixed_high_monthly_payment' post_id='options'] | [acf field='personal_3_year_fixed_low_total_payment' post_id='options'] - [acf field='personal_3_year_fixed_high_total_payment' post_id='options'] |
| 4 Years | None | 10.54% - 29.49% | 48 | [acf field='personal_4_year_fixed_low_monthly_payment' post_id='options'] - [acf field='personal_4_year_fixed_high_monthly_payment' post_id='options'] | [acf field='personal_4_year_fixed_low_total_payment' post_id='options'] - [acf field='personal_4_year_fixed_high_total_payment' post_id='options'] |
| 5 Years | None | 11.38% - 29.49% | 60 | [acf field='personal_5_year_fixed_low_monthly_payment' post_id='options'] - [acf field='personal_5_year_fixed_high_monthly_payment' post_id='options'] | [acf field='personal_5_year_fixed_low_total_payment' post_id='options'] - [acf field='personal_5_year_fixed_high_total_payment' post_id='options'] |
| 6 Years | None | 11.93% - 29.49% | 72 | [acf field='personal_6_year_fixed_low_monthly_payment' post_id='options'] - [acf field='personal_6_year_fixed_high_monthly_payment' post_id='options'] | [acf field='personal_6_year_fixed_low_total_payment' post_id='options'] - [acf field='personal_6_year_fixed_high_total_payment' post_id='options'] |
| 7 Years | None | 13.14% - 29.49% | 84 | [acf field='personal_7_year_fixed_low_monthly_payment' post_id='options'] - [acf field='personal_7_year_fixed_high_monthly_payment' post_id='options'] | [acf field='personal_7_year_fixed_low_total_payment' post_id='options'] - [acf field='personal_7_year_fixed_high_total_payment' post_id='options'] |