Personal Loans

Low rates.
No fees.
Personal loans
made easy.

Fixed rates range from 5.950% APR
to 14.740% APR (with AutoPay)5.

Find My Rate CONFIRMATION #

Checking your rate will not affect your credit score✝.

Pay off credit cards or invest in a major purchase

Are you paying more than 12% interest on your credit cards? A personal loan from SoFi could help you save thousands. With low interest rates and a fixed monthly payment, you can pay off high interest credit cards, fund home improvements, or make a major purchase. Check your rate in just 2 minutes.

WHY CHOOSE A SOFI PERSONAL LOAN

Serious
Savings

Borrow from $5k-$100k at fixed rates that start at 5.950% 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

5.950% – 14.740%

(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

Find My Rate View Payment Examples

So Easy

Find Your Rate

Get pre-qualified online with no 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.

Get Started

Trust And Security

30 Billion
in funded loans
500,000
members in our growing community.
256-Bit SSL
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.

Calculate Savings

Common Questions

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 permanent resident in an eligible state and meet SoFi's underwriting requirements. Not all borrowers receive the lowest rate. To qualify for the lowest rate, you must have a responsible financial history and meet other conditions. 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, a responsible financial history, years of experience, income and 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 such as Income Based Repayment or Income Contingent Repayment or PAYE. Licensed by the Department of Business Oversight under the California Financing Law License No. 6054612. SoFi loans are originated by SoFi Lending Corp., NMLS # 1121636. (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.

As an example, on a loan of $10,000 paid back over a 5 year term with the lowest available interest rate of 6.95% (including 0.25% AutoPay discount), you will make 60 monthly payments of $197.78, and the total amount repayable will be $11,866.57. See additional payment examples here.

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