You get $300, they get $300. Refer a friend to refi a personal loan and you both get $300—it's a win-win! Refer Someone Now
State restrictions apply, see Official Rules for details.

home improvement loans

Make your home
improvement dream
a reality.

Find my rate

Checking your rate will not affect your credit score.✝︎

Focus less on your budget—and more on building your dream.

Renovating your home is one of the most efficient ways to grow the value of your property. With SoFi, you can finance any home project without having to put your home on the line. From small kitchen additions to needed repairs to major renovations, a low-rate, unsecured loan from SoFi can help you get it done.

Why SoFi for your home improvement project?

Quick Process

Average online approval to funding is seven days so you can get started sooner.

Fixed Payments

Fixed rate payments keep your budget manageable and your project on schedule.

Keep Home Equity

No Collateral—Using an unsecured loan means your home equity is not on the line.

Absolutely No Fees

With SoFi, there are no surprises, or hidden fees. What you see is what you get.

See how SoFi compares.

Choosing to finance your next home project with SoFi can help keep your costs organized and your project on track.

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.

Receive your funds.

Sign your documents and funds are wired to your account.

Get started in minutes.

Speed matters. Which is why you can check loan rates—in just minutes.

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.

©2020 Social Finance, Inc. All rights reserved.
TLS 1.2 Encrypted
Equal Housing Lender