Personal loans,
made more personal.

SoFi members save an average of $147^* with a preferred rate discount of 0.125%.

Checking your rate will not affect your credit score^✝.

Pay off credit cards or invest in a major purchase

Are you paying more than 15% 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. It only takes minutes to apply.

Why SoFi?

Serious
Savings

Borrow from $5k-$100k at fixed rates that range from 8.74% APR to 35.49% APR (with all discounts)^{5, 7}

No Fees.
No Catch.

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

Exclusive
Rates

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

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Personal Loan Comparison⁶

Here’s how SoFi Personal Loans compare

	SoFi Members	Lending Club	Discover Personal Loan	Credit Cards
APR range	Fixed Rates 8.74% – 35.49% (with AutoPay, plus rate discount)⁵	5.99 – 35.89%	6.99 – 24.99%	12.00 – 22.86%⁶
Fees	No Hidden Fees	1 – 5% Origination Fee	No Fees	3% Balance Transfer Fee
Term	2, 3, 4, 5, 6, or 7 years	3 or 5 years	3, 4, 5, 6, or 7 years	Rolling
Amount	$5,000 – $100,000	$1,000 – $40,000	$2,500 – $35,000	Varies
Unemployment Protection^⁴	Yes	No	No	No

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So Easy

Find Your Rate

Get pre-qualified online with no hidden 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 wired to your account.

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Trust And Security

$73 billion+

in funded loans

12.6M

members in our growing community.

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encryption to keep your information safe.

SoFi is regulated by the Consumer
Financial Protection Bureau

Personal Loan Calculator

See how much you can save when you pay off your existing debt with a SoFi personal loan.

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Common Questions

Personal Loans

What is a personal loan?
Am I eligible for a SoFi Personal Loan?
What is the minimum and maximum I can borrow?

Member Rate Discount

See all FAQs

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

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Terms and Conditions Apply. SOFI RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS AND BENEFITS AT ANY TIME WITHOUT NOTICE. To qualify, a borrower must be a U.S. citizen or other eligible status and meet SoFi's underwriting requirements. Not all borrowers receive the lowest rate. Lowest rates reserved for the most creditworthy borrowers. If approved, your actual rate will be within the range of rates listed above and will depend on a variety of factors, including term of loan, evaluation of your creditworthiness, years of professional experience, income, and a variety of other factors. Rates and Terms are subject to change at anytime without notice and are subject to state restrictions. SoFi refinance loans are private loans and do not have the same repayment options that the federal loan program offers, or may become available, such as Income Based Repayment or Income Contingent Repayment or PAYE. Licensed by the Department of Financial Protection and Innovation under the California Financing Law License No. 6054612. SoFi loans are originated by SoFi Lending Corp. or an affiliate, NMLS # 696891. (www.nmlsconsumeraccess.org)

✝︎ To check the rates and terms you qualify for, SoFi conducts a soft credit pull that will not affect your credit score. However, if you choose a product and continue your application, we will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit pull and may affect your credit.

* Rate discount savings of $147 is based on all SoFi members who financed their personal loans 1/1/2016 and 12/31/2016. The savings calculation is derived by taking the lifetime cost of SoFi loans minus the lifetime cost of SoFi loans assuming a 0.125% discount. The savings calculation assumes an average rate of 9.71%, an average term of 67.67 months, and an average balance $34,914. SoFi’s lifetime savings methodology for personal loans assumes 1) members’ interest rates do not change over time (PROJECTIONS FOR VARIABLE RATES ARE STATIC AT THE TIME OF REFINANCING AND DO NOT REFLECT ACTUAL MOVEMENT OF RATES IN THE FUTURE) 2) members make all payments on time 3) members make monthly payments for the full duration of their loan 4) members take advantage of AutoPay, which enables them to lower the APR of their loan by 0.25%.

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Equal Housing Lender

Personal loans, made more personal.

SoFi members save an average of $147* with a preferred rate discount of 0.125%.