ReFi Referral Program

Tell your friends about saving with SoFi

The referral program is now integrated with and easier to use than ever!

Here’s how it works:

  1. Sign up for a account (or, if you already have one, log in). Head to the Referral Program section at the top, and fill out all the required fields. Once you submit, your unique referral URL will appear.
  2. Share your unique URL with your friends (over e-mail, social media, text message, or any other personal electronic communication).
  3. You’ll earn $100 for each friend who uses your unique link to register for an account and refinance their student loans with SoFi.

***BONUS: Each referred friend ALSO receives $100 after their SoFi loan is funded! ***

Official Rules


The SoFi Refi Referral Program ("Program") is open to all individuals, regardless of whether they are current borrowers at Social Finance, Inc., SoFi Lending Corp, and all of their subsidiaries ("SoFi"). A SoFi Refinance Community Member is defined as a funded SoFi refinance student loan borrower who has begun repayment with SoFi and who has signed up for SoFi's online community.

To receive credit for a referral under the Refi Referral Bonus program, eligible referrers must create a referral program account on this page, receive a unique referral link, and send that link to the people whom they intend to refer to SoFi’s Refinance Program. Each referee must use their referrer’s unique link to create their SoFi account and proceed all the way through funding in order for either party to receive credit.

Only one referral credit will be awarded per referred SoFi Refinance Community Member. Referrers will not receive credit for referring themselves, including for a refinance of their existing SoFi loan, or for submitting an application via their own unique referral link. SoFi reserves the right to disqualify anyone from this Program. Anyone who violates these official rules is ineligible for payment of any bonus. The Program supports the referral of refinance student loan borrowers only and no payments will be made for referral to other SoFi products.

No Spam

You have to comply with all applicable laws and regulations, including anti-spam laws. For example, emails must be created and distributed in a personal manner. Bulk email distribution and any use of automated devices or third party services is prohibited. Referral emails should only be sent to friends whom you believe to be eligible SoFi borrowers. Any distribution of a Program referral link that could constitute unsolicited commercial email or “spam”, or that otherwise violates any conditions imposed by SoFi, is prohibited.

Non-Solicitation Agreement

If you participate in the Program you agree not to solicit applications for SoFi refinancing loans. You agree not to compensate, or accept any compensation from, applicants whom you refer to SoFi through the Program. You further agree that your activities will be limited to informing your contacts about SoFi's refinancing program so that they may independently decide whether or not to apply for a SoFi refinancing loan. You may not collect information from your contacts or assist with filling out SoFi’s loan application.

Independent Contractor

Your participation in the Program is solely as an independent contractor. Neither you nor SoFi intend to establish an employment relationship and you are not entitled to any benefits. SoFi reserves the right to change or eliminate the referral program at any time.

Discontinuation of Previous Referral Programs

This Program replaces all earlier versions of the SoFi refi referral program.

Ready to Refer?

Create an Account

Already have an account?


"Refinancing my MBA loans with SoFi was a great decision."

Brooks Kincaid
UC Berkeley


Call us for a loan consultation at 855-456-SOFI