{"product":"PersonalLoan","disclaimer":"Fixed rates from 6.99% APR to 35.49% APR reflect the 0.25% autopay discount. SoFi rate ranges are current as of 11/02/2026 and are subject to change based on market conditions and borrower eligibility. SoFi Personal Loans are not available to residents of MS. Interest-rate caps may be lower in some states due to legal requirements and may impact your eligibility to qualify for a SoFi loan. Minimum loan requirements might be higher than $5,000 in specific states due to legal requirements and interest-rate caps may be lower in some states due to legal requirements and may impact your eligibility to qualify for a SoFi loan. The average of SoFi Personal Loans funded in 2020 was around $32k. Not all applicants qualify for the lowest rate. Lowest rates reserved for the most creditworthy borrowers. Your actual rate will be within the range of rates listed and will depend on the term you select, evaluation of your creditworthiness, income, and a variety of other factors. Subject to receipt of required documentation, underwriting guidelines, and processing time by your institution. Loans for amounts over $20,000 may require additional underwriting review time. Funds are disbursed via ACH as soon as the next business day after approval and acceptance of terms. The SoFi 0.25% autopay interest rate reduction requires you to agree to make monthly principal and interest payments by an automatic monthly deduction from a savings or checking account. The benefit will discontinue and be lost for periods in which you do not pay by automatic deduction from a savings or checking account. Autopay is not required to receive a loan from SoFi.","fixed":{"fixedRanges":[{"termInMonths":24,"minApr":0.0699,"maxApr":0.3549,"minMargin":null,"maxMargin":null},{"termInMonths":36,"minApr":0.0843,"maxApr":0.3549,"minMargin":null,"maxMargin":null},{"termInMonths":48,"minApr":0.0928,"maxApr":0.3549,"minMargin":null,"maxMargin":null},{"termInMonths":60,"minApr":0.1055,"maxApr":0.3549,"minMargin":null,"maxMargin":null},{"termInMonths":72,"minApr":0.1161,"maxApr":0.3549,"minMargin":null,"maxMargin":null},{"termInMonths":84,"minApr":0.1295,"maxApr":0.3549,"minMargin":null,"maxMargin":null}],"minApr":0.0699,"maxApr":0.3549,"minMargin":null,"maxMargin":null}}