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%) and a 0.25% direct deposit discount5 and reflect only term options without an origination fee. Your actual interest rate may be different than the rates in these examples and will be based on term of loan, whether you choose an origination fee option, your financial history and other factors. State restrictions may apply.

Payment Examples

Fixed Rate Loans (reflecting only no origination fee term options)

Term Origination Fee Rate (APR) No. of Payments Monthly Payment Total Payments
2 Years None 8.99% – 20.15% 24 $1,370.40 – $1,529.07 $32,889.71 – $36,697.76
3 Years None 10.58% – 20.40% 36 $976.21 – $1,121.03 $35,143.39 – $40,357.12
4 Years None 11.43% – 22.81% 48 $781.65 – $958.42 $37,518.97 – $46,004.35
5 Years None 12.65% – 23.43% 60 $677.23 – $853.14 $40,633.75 – $51,188.53
6 Years None 13.76% – 19.30% 72 $614.32 – $706.46 $44,231.29 – $50,865.42
7 Years None 15.10% – 20.31% 84 $580.59 – $671.80 $48,769.31 – $56,430.95
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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 other eligible status and and meet SoFi's underwriting requirements. Not all borrowers receive the lowest rate. Lowest rates reserved for the most creditworthy borrowers. 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, evaluation of your creditworthiness, years of professional experience, income, and a variety of 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, or may become available, such as Income Based Repayment or Income Contingent Repayment or PAYE. Licensed by the Department of Financial Protection and Innovation under the California Financing Law License No. 6054612. SoFi loans are originated by SoFi Lending Corp. or an affiliate, 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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