Personal Loans

Fixed Rate Loans

Term Origination Fee Rate (APR) No. of Payments Monthly Payment Total Payments
2 Years None 7.74% – 35.49% 24 $1,353.26 – $1,763.32 $32,478.34 – $42,319.74
3 Years None 7.74% – 35.49% 36 $936.50 – $1,365.41 $33,713.89 – $49,154.90
4 Years None 8.23% – 35.49% 48 $735.63 – $1,178.04 $35,310.28 – $56,545.80
5 Years None 9.50% – 35.49% 60 $630.06 – $1,074.14 $37,803.35 – $64,448.26
6 Years None 10.56% – 35.49% 72 $564.28 – $1,011.27 $40,628.47 – $72,811.45
7 Years None 11.90% – 35.49% 84 $527.98 – $971.20 $44,350.23 – $81,581.10

Student Loan Refinancing

Fixed Rate Loans

Terms Rate Repayment
APR		 No. of
Payments		 Monthly
Payment**		 Total
Payments
5 Year 4.24% – 8.95% 4.24% – 8.95% 60 $185.25 – $207.34 $11,115.02 – $12,440.46
7 Year 4.99% – 9.27% 4.99% – 9.27% 84 $141.29 – $162.26 $11,868.54 – $13,630.21
10 Year 5.02% – 9.32% 5.02% – 9.32% 120 $106.16 – $128.41 $12,739.60 – $15,409.69
15 Year 5.22% – 9.37% 5.22% – 9.37% 180 $80.23 – $103.64 $14,441.42 – $18,655.10
20 Year 5.42% – 9.99% 5.42% – 9.99% 240 $68.34 – $96.44 $16,401.04 – $23,144.62

Variable Rate Loans

Terms Rate Repayment
APR		 No. of
Payments		 Monthly
Payment**		 Total
Payments
5 Year 5.99% – 9.20% 5.99% – 9.20% 60 $193.28 – $208.56 $11,596.89 – $12,513.33
7 Year 6.49% – 9.52% 6.49% – 9.52% 84 $148.45 – $163.54 $12,469.46 – $13,737.55
10 Year 6.49% – 9.57% 6.49% – 9.57% 120 $113.50 – $129.78 $13,619.65 – $15,573.73
15 Year 6.49% – 9.62% 6.49% – 9.62% 180 $87.06 – $105.15 $15,670.04 – $18,926.60
20 Year 6.49% – 9.99% 6.49% – 9.99% 240 $74.50 – $96.44 $17,879.63 – $23,144.62

Medical/Dental Resident Refinancing

Fixed Rate Loans

Full Repayment Term Origination
Fee		 Fixed Rate
(APR with AutoPay)1		 No. of
Payments		 Monthly
Payment**		 Total
Payments
5 Year None 6.14% – 8.77% 60 $1,939.80 – $2,064.69 $116,387.80 – $123,881.44
7 Year None 6.42% – 8.82% 84 $1,481.07 – $1,599.79 $124,410.19 – $134,382.18
10 Year None 6.67% – 9.07% 120 $1,144.15 – $1,270.55 $137,297.82 – $152,465.91
15 Year None 6.87% – 9.27% 180 $891.58 – $1,030.39 $160,483.68 – $185,470.37
20 Year None 7.12% – 9.84% 240 $782.52 – $954.44 $187,804.39 – $229,066.79

Variable Rate Loans

Term Origination Fee Variable Rate
(APR with AutoPay)1		 No. of
Payments		 Monthly
Payment**		 Total
Payments
5 Year None 6.14% – 8.77% 60 $1,939.80 – $2,064.69 $116,387.80 – $123,881.44
7 Year None 6.42% – 9.02% 84 $1,481.07 – $1,609.92 $124,410.19 – $135,233.53
10 Year None 6.67% – 9.07% 120 $1,144.15 – $1,270.55 $137,297.82 – $152,465.91
15 Year None 6.87% – 9.27% 180 $891.58 – $1,030.39 $160,483.68 – $185,470.37
20 Year None 7.12% – 9.84% 240 $782.52 – $954.44 $187,804.39 – $229,066.79

Parent PLUS Refinancing

Fixed Rate Loans

Terms Rate Repayment
APR		 No. of
Payments		 Monthly
Payment		 Total
Payments
5 Year 4.24% – 8.95% 4.24% – 8.95% 60 $183.71 – $195.23 $11,022.60 – $11,713.80
7 Year 4.99% – 9.27% 4.99% – 9.27% 84 $137.37 – $151.68 $11,539.08 – $12,741.12
10 Year 5.02% – 9.32% 5.02% – 9.32% 120 $104.24 – $117.01 $12,508.80 – $14,041.20
15 Year 5.22% – 9.37% 5.22% – 9.37% 180 $77.26 – $92.70 $13,906.80 -$16,686.00

Variable Rate Loans

Terms Rate Repayment
APR		 No. of
Payments		 Monthly
Payment		 Total
Payments
5 Year 5.99% – 9.20% 5.99% – 9.20% 60 $177.34 – $194.90 $10,640.40 – $11,694.00
7 Year 6.49% – 9.52% 6.49% – 9.52% 84 $137.05 – $151.34 $11,512.20 – $12,712,56
10 Year 6.49% – 9.57% 6.49% – 9.57% 120 $103.90 – $116.65 $12,468.00 – $13,998.00
15 Year 6.49% – 9.62% 6.49% – 9.62% 180 $76.90 – $90.84 $13,842.00 – $16,351.20

Undergraduate Student Loans

Fixed Rate Loans

Repayment Type:
Immediate Make principal and interest payments while in school

Term APR Monthly payment amount
during deferment period		 Monthly payment amount
during the loan term		 Total of Payments
5 5.99% – 10.59% N/A $193.28 – $215.39 $11,596.89 – $12,923.11
10 6.14% – 10.99% N/A $111.72 – $137.69 $13,406.98 – $16,523.21
15 6.24% – 11.49% N/A $85.69 – $116.76 $15,423.80 – $21,015.97
Repayment Type:
Interest Only Make only the interest payments while in school

Term APR Monthly payment amount
during deferment period		 Monthly payment amount
during the loan term		 Total of Payments
5 6.99% – 11.59% $58.25 – $96.58 $197.96 – $220.38 $15,023.39 – $18,438.19
10 7.14% – 11.99% $59.50 – $99.92 $116.83 – $143.41 $17,232.76 – $22,605.08
15 7.24% – 12.49% $60.33 – $104.08 $91.23 – $123.19 $19,679.39 – $27,794.18
Repayment Type:
Partial Payment Pay a monthly payment of $25 while in school

Term APR Monthly payment amount
during deferment period		 Monthly payment amount
during the loan term		 Total of Payments
5 6.87% – 10.69% $25 $237.14 – $309.80 $15,578.60 – $19,938.23
10 7.09% – 11.27% $25 $141.46 – $205.10 $18,325.77 – $25,961.43
15 7.23% – 11.82% $25 $111.36 – $179.53 $21,395.38 – $33,664.70
Repayment Type:
Fully Deferred Start paying principal and interest payments six months after you leave school

Term APR Monthly payment amount
during deferment period		 Monthly payment amount
during the loan term		 Total of Payments
5 6.99% – 10.97% $0 $267.85 – $344.17 $16,071.23 – $20,650.08
10 7.31% – 11.71% $0 $160.50 – $228.56 $19,259.41 – $27,426.68
15 7.50% – 12.37% $0 $126.83 – $200.38 $22,830.30 – $36,068.35

Variable Rate Loans

Repayment Type:
Immediate Make principal and interest payments while in school

Term APR Monthly payment amount
during deferment period		 Monthly payment amount
during the loan term		 Total of Payments
5 4.99% – 10.34% N/A $188.67 – $214.15 $11,319.99 – $12,848.83
10 5.14% – 10.74% N/A $106.75 – $136.28 $12,810.14 – $16,353.89
15 5.24% – 11.24% N/A $80.34 – $115.17 $14,460.34 – $20,730.83
Repayment Type:
Interest Only Make only the interest payments while in school

Term APR Monthly payment amount
during deferment period		 Monthly payment amount
during the loan term		 Total of Payments
5 5.99% – 11.34% $49.92 – $94.50 $193.28 – $219.12 $14,292.39 – $18,250.42
10 6.14% – 11.74% $51.17 – $97.83 $111.72 – $141.97 $16,169.98 – $22,319.63
15 6.24% – 12.24% $52 – $102 $85.69 – $121.57 $18,231.8 – $27,389.73
Repayment Type:
Partial Payment Pay a monthly payment of $25 while in school
Term APR Monthly payment amount
during deferment period		 Monthly payment amount
during the loan term		 Total of Payments
5 5.99% – 10.50% $25 $222.80 – $305.57 $14,717.77 – $19,683.92
10 6.19% – 11.06% $25 $130.23 – $201.43 $16,977.07 – $25,521.71
15 6.31% – 11.62% $25 $100.73 – $175.79 $19,481.02 – $32,992.96
Repayment Type:
Fully Deferred Start paying principal and interest payments six months after you leave school

Term APR Monthly payment amount
during deferment period		 Monthly payment amount
during the loan term		 Total of Payments
5 6.10% – 10.76% $0 $252.74 – $339.72 $15,164.63 – $20,383.49
10 6.38% – 11.49% $0 $148.40 – $224.65 $17,808.36 – $26,958.20
15 6.55% – 12.15% $0 $115.26 – $196.38 $20,746.44 – $35,347.78

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 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 # 696891. (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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