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Compare Rates and Terms

The following examples depict the APR, monthly payment and total payments during the life of a $30,000 personal loan. All personal loan APR rates below are shown with the Autopay Discount (0.25%)5. 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
2 Years None 5.99% – 18.72% 24 $1,329.48 – $1,508.18 $31,907.60 – $36,196.33
3 Years None 7.49% – 18.72% 36 $933.05 – $1,095.44 $33,589.76 – $39,435.78
4 Years None 8.15% – 18.72% 48 $734.50 – $892.58 $35,256.09 – $42,843.70
5 Years None 8.65% – 18.72% 60 $617.67 – $773.60 $37,060.02 – $46,416.11
6 Years None 9.14% – 16.45% 72 $542.85 – $658.21 $39,085.41 – $47,391.16
7 Years None 9.79% – 16.75% 84 $494.79 – $608.75 $41,562.06 – $51,134.80
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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.

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