Personal Loans: 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, be residing in the U.S., and meet SoFi’s underwriting requirements. SoFi Personal Loans can be used for any lawful personal, family, or household purposes and may not be used for post-secondary education expenses. Minimum loan amount is $5,000. Additional terms and conditions may apply. Lowest rates reserved for the most creditworthy borrowers. The average of SoFi Personal Loans funded in 2025 was around $32K. Based on loans funded from 1/1/2025-12/31/2025. SoFi Personal Loans originated by SoFi Bank, N.A. Member FDIC. NMLS #696891 (www.nmlsconsumeraccess.org). See SoFi.com/legal for state-specific license details.
†To check the rates and terms you may 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.
§Awards or rankings are not indicative of future success or results. Neither SoFi Bank, N.A. nor its employees paid a fee in exchange for ratings. Awards and ratings are independently determined and awarded by their respective publications.
1Borrow Better Week: Additional terms and conditions apply. Limited time 0.50% rate drop applies to Personal Loan and Student Loan Refinancing applications started between 10/19/2026 at 11:00 AM ET and 10/25/2026 at 11:59 PM ET . For SoFi Small Business Loans, applications must be fully submitted between 10/19/2026 at 11:00 AM ET and 10/25/2026 at 11:59 PM ET. To receive the Home Equity rate drop, you must lock your rate with SoFi between 10/19/2026 at 11:00 AM ET and 10/26/2026 at 9:00 AM ET. Offer is subject to lender approval and must meet all underwriting criteria. Promotion does not include mortgage loan purchase, mortgage refinance, or HELOC applications.
2Same-Day Personal Loan Funding: Same Day Funding means that most borrowers receive funds the same day when loan is approved and the loan agreement is signed by 5:30 PM ET on a business day. SoFi does not guarantee this, and delays may occur outside of our control, such as if inaccurate information is submitted, the receiving bank declines the transfer. Your bank may have rules on when the funds become available. Does not include personal loans originated with a SoFi partner bank.
3Direct Pay: Terms and conditions apply. Offer good for personal loan customers with eligible credit cards and personal loans in their name only and subject to lender approval. This offer may not be available for all credit cards and personal loans. Certain loan types are excluded from this offer, including Cross River Bank loans and SoFi Personal Loan Refinance loans. To receive the offer, you must: (1) select the Direct Pay option during the selection of your loan terms; (2) complete a loan application with SoFi within 90 days of your application submit date; (3) meet SoFi’s underwriting criteria; (4) apply 50% or more of your loan proceeds directly to eligible lenders/creditors. Once conditions are met and the loan has been disbursed, the APR shown in the Truth In Lending disclosure will include the 0.25% Direct Pay rate discount. SoFi reserves the right to change or terminate the Direct Pay Rate Discount Program to unenrolled participants at any time with or without notice. It takes about 3 business days for your creditor/lender to receive payment after your loan is signed. You will be responsible for making all required payments to avoid credit card and other loan fees.