Personal Loans

No hidden fees. Low rates.
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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 6.199% to 15.365% 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?

Serious
Savings

Borrow from $5k-$100k at fixed rates that start at 6.199% APR (with AutoPay)5.

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.

Easy
Experience

Simple online application and access to live customer support 7 days a week.

Community
Benefits

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

Better
Credit

Borrowers raised their credit scores by 31 points on average when paying 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

6.199% – 15.365%

(with AutoPay)5

5.99 – 35.89%6.99 – 24.99%12.00 – 22.86%6
FeesNo 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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Questions? Call us for a free consultation at 855-456-7634

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