Can I opt out of the personal loan conversion at month 15?

By Dana Paltao | Jul 15, 2026 | | Comments Off

No, the conversion is automatic. When you opened the SoFi Credit Card, you already consented to both your cardholder agreement and your loan agreement. At the end of the 15 months, that agreement goes into effect for whatever balance is outstanding on the credit card. An updated TILA disclosure with the final loan terms will be provided at the time of the conversion.

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ABOUT Dana Paltao

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. Loans are originated by SoFi Bank, N.A. (Member FDIC) NMLS #696891 (www.nmlsconsumeraccess.org) Equal Housing Lender.

SoFi Lending Corp. NMLS #1121636

✝︎ 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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Can I opt out of the personal loan conversion at month 15?

All your finances. All in one app.

All your finances. All in one app.

App Store rating

All your finances.
All in one app.

All your finances.
All in one app.