SoFi Personal Loans

The following examples depict the APR, monthly payment and total payments during the life of a $16,000 personal loan. All personal loan APR rates below are shown with the Autopay Discount (0.25%)5. For variable rate loans, the one-month LIBOR index is currently 0.78% and may change monthly. Changes in the LIBOR index may cause your APR and monthly payment to increase. Your actual interest rate may be different than the rates in these examples and will be based on term of loan, your financial history and other factors. State restrictions may apply .

Payment Examples

Fixed Rate Loans

Term Origination Fee Rate (APR) No. of Payments Monthly Payment Total Payments
3 Years None 5.70% – 12.99% 36 $484.58 – $539.03 $17,444.88 – $19,405.08
5 Years None 7.07% – 14.24% 60 $317.31 – $374.29 $19,038.60 – $22,457.40
7 Years None 8.08% – 12.24% 84 $249.98 – $284.50 $20,998.32 – $23,898.00

Variable Rate Loans

Term Origination Fee Rate (APR) No. of Payments Monthly Payment Total Payments
3 Years None 4.78% – 9.38% 36 $477.96 – $511.63 $17,206.56 – $18,418.68
5 Years None 5.81% – 9.76% 60 $307.88 – $338.03 $18,472.80 – $20,281.80
7 Years None 6.71% – 10.88% 84 $239.18 – $272.95 $20,091.12 – $22,927.80
Interest rates on SoFi variable rate personal loans are capped at 14.95% APR. Rates in this table reflect prices as of 2/1/17. < Back to Personal Loans

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