Personal Loans

Low rates.
No hidden fees.
Personal loans
made easy.

Fixed 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 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.



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.


Get a 0.125% rate discount✝✝ on an additional SoFi loan—just for being a member.


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


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


Borrowers raised their credit scores by 17 points on average when they paid off credit card debt**.

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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, 4, 5, 6 or 7 years 3 or 5 years 3, 4, 5, 6, or 7 years Rolling
Instant Pre-Qualification Yes Yes Yes Varies
Amount $5,000 – $100,000 $1,000 – $40,000 $2,500 – $35,000 Varies
Unemployment Protection4 Yes No No No

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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 wired to your account.

Get Started

Trust And Security

30 Billion
in funded loans

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

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

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Equal Housing Lender