Please borrow responsibly. SoFi Private Student Loans are not a substitute for federal loans, grants, and work-study programs. We encourage you to evaluate all your federal student aid options before you consider any private loans, including ours. Read our FAQs.
✝ 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.
^ Rate Match Offer: Your pre-qualified rate, and the rate match program itself, are conditional upon our verification of your application information, including verification of sufficient income to support an ability to repay. Eligible documentation of a competitor’s rate offer will be determined at SoFi’s sole discretion and must be for the same loan amount, term, and repayment type. SoFi will only match rate offers for private student loan products and will only match down to 1.0% of the rate originally offered to the borrower and will only match to the lowest rate available from SoFi. SoFi will only rate match for the following companies: Sallie Mae; Commerce Bank; M&T Bank; National Education; Regions Bank; Pen Fed; College Ave; Citizens Bank; Discover; MEFA; PNC; Nelnet; Earnest; Union Federal; Custom Choice; AAA. The match will be on the rate, exclusive of all discounts. To receive the Rate Match, you must: (1) register and/or apply for a private student loan (2) provide documentation of an eligible competitive rate offer; (3) call at (855) 456-SOFI (7634) or Chat and follow the instructions to send in your proof of lower rate; (4) meet SoFi’s underwriting criteria and book a private student loan with SoFi. Additional terms and conditions may apply. SoFi may discontinue this program at any time.
SoFi loans are originated by SoFi Lending Corp. or an affiliate (dba SoFi), a lender licensed by the Department of Financial Protection and Innovation under the California Financing Law, license number 6054612; NMLS # 1121636. (www.nmlsconsumeraccess.org). Terms, conditions, and state restrictions may apply.