Personal Loans

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

Get your $100 welcome bonus when you register and apply through this page*.

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Checking your rate will not affect your credit score.

Fixed rates from 5.49% to 14.24% APR (with AutoPay)5.

With low rates and an application that takes just minutes, SoFi offers personal loans that can help you save thousands. Pay off high-interest credit cards or fund a major purchase. And since you were referred to us by someone who loves SoFi, we’ll sweeten the deal by offering you $100 cash once you become a member.

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 raised their credit scores by 17 points on average when they paid off credit card debt**.

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Personal Loan Comparison6

Here’s how SoFi Personal Loans compare

SoFiLending ClubDiscover Personal LoanCredit Cards
APR range

Fixed Rates

5.49% – 14.24%

(with AutoPay)5

5.99 – 35.89%6.99 – 24.99%12.00 – 22.86%6
FeesNo Hidden Fees1 – 5% Origination FeeNo Fees3% Balance Transfer Fee
Term3, 4, 5, 6 or 7 years3 or 5 years3, 4, 5, 6, or 7 yearsRolling
Instant Pre-QualificationYesYesYesVaries
Amount$5,000 – $100,000$1,000 – $40,000$2,500 – $35,000Varies
Unemployment Protection4YesNoNoNo

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Hear From Our Members

With serious savings, a seamless online application, and unique community benefits, our members have a lot to say.

SoFi Member
“This has quite possibly been the best experience that I've had—easy application process, great rates, and great customer service.“

Christopher Campbell


SoFi Member
“My SoFi personal loan will save me thousands of dollars in interest. The application process was fast and effortless.“

Aviesha Stephens

New York

SoFi Member
“I know I’m making progress and [SoFi has] given me the freedom to invest that money in other assets.“

Susan Devine


View Member Stories

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

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