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Refer Your Friends to Score Extra Cash

Want to help friends, family and colleagues save with SoFi? Just share your unique referral links with them, and you’ll both get paid when they refinance their student loans or take out a personal loan through your link.

Here's How

Get your links

Register, then click GET STARTED next to REFERRAL PROGRAM to enroll. (Skip if you already have a SoFi loan.) Your custom invite links and reward amounts will appear once you have enrolled.

Share the love

You will have two invite links in the REFER section of your account: One for student loan refinancing, one for personal loans. Share your links with friends and family, making sure they register for their SoFi account using the right invite link*

Reap the rewards

Once they register for their SoFi account using the right invite link, you both earn cash rewards when they refinance a student loan or get a personal loan. Track the status of referrals in your SoFi account.

Refer a friend (or ten) and earn cash!
Example: 10 referrals x $100 referral bonus = $1000!

Get Started

Official Rules

*Please note that any friend whom you’d like to refer must use the specific referral link to sign up for the product they want. Only one referral reward and one welcome bonus per new customer: you will not receive multiple referral bonuses for the same friend taking out multiple loans or products, nor will your friend receive multiple welcome bonuses for taking out multiple loans or products. SoFi mortgages are never eligible for the SoFi Referral Program. Additional terms and conditions apply.


The SoFi Referral Program ("Program") is open to all individuals who reside outside of Michigan, regardless of whether they are current borrowers at Social Finance, Inc., SoFi Lending Corp, and all of their subsidiaries ("SoFi"). A SoFi Student Loan Refinance Community Member is defined as a funded SoFi refinance student loan borrower who has begun repayment with SoFi. A SoFi Personal Loan Community Member is defined as a funded SoFi personal loan borrower who has begun repayment with SoFi.

To receive credit for a referral under the Program, eligible referrers must create a Program account, receive their unique referral links, and send the relevant link(s) to the people whom they intend to refer to SoFi’s Student Loan Refinance Program or Personal Loan Program. In order for either party to receive credit, each borrower must use their referrer’s relevant unique link to first register for a SoFi account, create a student loan refinancing application and/or personal loan application, and proceed all the way through funding in at least one of those loans.

Only one referral credit and one welcome bonus will be awarded per referred SoFi Student Loan Refinance Community Member or SoFi Personal Loan Community Member, regardless of whether the Member takes out multiple loans or multiple types of loans. A referrer will not earn a referral reward if their referred friend has an existing SoFi account or if their referring friend does not use the right referral link when first creating their account.

Referrers will not receive credit for referring themselves, including for a refinance of their existing SoFi student loan, or for submitting an application via their own unique referral link. Referrers are limited to referring their own friends, family members, and direct acquaintances whom they believe may be eligible for a SoFi student loan refinance or personal loan. Any referred borrower must be able to personally identify their referrer. SoFi reserves the right to disqualify anyone from this Program at any time. Anyone who violates these official rules is ineligible for payment of any bonus.

The Program supports referrals to SoFi student loan refinancing loans and personal loans only, and no payments will be made for referral to other SoFi products.

Non-solicitation Agreement

If you participate in the Program you agree not to solicit applications for any type of SoFi loan. 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 student loan refinancing and/or personal loan program so that they may independently decide whether or not to apply for a SoFi loan. You may not collect information from your contacts or assist with filling out a SoFi loan application.

No Spam

You must comply with all applicable laws and regulations, including anti-spam laws. Any distribution of a Program link, including by email or social media, must be done in a personal manner and must be in a form approved by SoFi in advance. Bulk email distribution and any use of automated devices or third party services is prohibited. Program links should only be sent to your own friends, family members, and direct acquaintances whom you believe to be eligible for a SoFi student loan refinance or personal loan. Participants may not purchase internet search terms or publicly advertise SoFi’s student loan, personal loan products, or name in any fashion. Further, any distribution of a Program link that could constitute unsolicited commercial email or “spam,” any content which impersonates or implies an affiliation with or endorsement by SoFi or any SoFi subsidiary, or any actions which otherwise violate any conditions imposed by SoFi, are prohibited and will be grounds for immediate termination.

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. If the cumulative welcome and bonus rewards paid to an individual in a one calendar year exceed $599 USD, then form W-9 may be required to be completed prior to funds disbursement. Any payments that are not claimed within 180 days of the date the funds have been made available because direct deposit bank account or required tax information have not been provided are subject to forfeit. SoFi reserves the right to change or eliminate the Program at any time.

Discontinuation of Previous Referral Program

This Program replaces all earlier versions of the SoFi Referral Program.

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