Personal Loans

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

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

Checking your rate will not affect your credit score.

Pay off credit cards or invest in a major purchase

Are you paying more than 10% interest on your credit cards? SoFi Personal Loans could help you save thousands. With low personal loan interest rates and a fixed monthly payment, you can get loans to pay off credit cards, pay off high interest debt, or make a major purchase. It only takes minutes to apply.

Why SoFi?

Serious
Savings

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.

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 17 points on average when they paid off credit card debt**.

Find My Rate

Personal Loan Comparison6

Here’s how SoFi Personal Loans compare

SoFi Lending Club Discover Personal Loan Credit 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
Fees No Hidden Fees 1 – 5% Origination Fee No Fees 3% Balance Transfer Fee
Term 3, 5, or 7 years 3 or 5 years 3, 4, 5, 6, or 7 years Rolling
Instant Pre-Approval Yes Yes No Varies
Amount $5,000 – $100,000 $1,000 – $40,000 $2,500 – $35,000 Varies
Unemployment Protection4 Yes No No No

Find My Rate View Payment Examples
Personal Loan Use Case
Invest In
Your Career
Personal Loan Use Case
Pay Off Credit
Card Debt
Personal Loan Use Case
Take Care of
Medical Expenses
Personal Loan Use Case
Cover Your
Moving Expenses
Personal Loan Use Case
Invest in Home
Improvements
Personal Loan Use Case
Consolidate Other
High Interest Loans

So Easy

Find Your Rate

Get pre-approved 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 wired to your account.

Get Started

Trust And Security

20 Billion
in funded loans

390,000
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

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

Minnesota

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

California

View Member Stories

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

Find My Rate
SSL Encrypted
Equal Housing Lender