Personal Loan - Stearns

Give your new home an upgrade.

Stearns and SoFi are teaming up to offer low-rate personal loans—perfect for home improvements, big purchases, or debt consolidation. Turn your new home into your dream home with fast financing, fixed payments, and no hidden fees.

Fixed rates start at (with Autopay)⁵

8.74% APR

No origination fees, no prepayment penalties.

Find My Rate

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

Welcome Stearns Customers

With low rates and a fixed monthly payment, you can pay off high interest debt, like credit cards, or make a major purchase. Whether remodeling the kitchen, replacing the roof, or landscaping the backyard, SoFi can help you pay for improvements to make your home sweet home. It only takes minutes to apply.

Why SoFi?

Instant Application

No need to wait weeks for an appraisal. Get pre-qualified instantly and receive your funds fast so you can get started right away.

No Hidden Fees

Unlike some home equity loans, there are no origination fees, no closing costs, and no costly home appraisals.

No Collateral

Without equity, it’s hard to get a HELOC on a new home. With SoFi, your home is not on the line.

Flexible Amounts

Borrow what you need—as little as $5,000 or as much as $100,000.

Find My Rate

PERSONAL LOAN COMPARISON⁶

Many people think of home equity when it comes to borrowing larger amounts, but home equity loans typically have a lengthy approval process and potentially lots of fees, including getting your home appraised. The ease of obtaining a personal loan makes it an appealing alternative to a home equity loan. Plus there’s no collateral, so you don’t have to put your home on the line when you borrow. And with SoFi you can borrow up to $100K, unlike some other online lenders that max out at $35K.

	SoFi Personal Loan	Home Equity Loan
Instant Online Application
Receive Funds Within a Week
No Origination Fees
No Pre-Payment Penalties
No Home Appraisal
No Home Equity Required
Low Rates Secured by Your Home
Tax-Deductible Interest

Find My Rate View Payment Examples

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 deposited to your account.

Get Started

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.

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