Sofi referral program

Bring friends.
Make money.

Invite friends and family to SoFi in the app.

Download on the App Store Download on Google Play

See Official Rules

You can earn up to $10k for referring friends to SoFi.

You could make some serious cash when you invite friends and family to join SoFi. As long as they use your unique link, they’re good to go.

paid to our members in lending product referral bonuses (so far).*

Refer a friend to one of these products:

SoFi Money®

Save, spend, and earn—all in one product.

Active Investing

Become an investor—
without commissions.

Student Loan Refinancing

Save thousands on your student loans.


Low rates. No fees.
Personal loans made easy.

How it works

Download on the App Store

Get it on Google Play

Download the SoFi app

Manage your SoFi account, refer friends, and more—all in just a few taps.

Get your link

Log in to the app to visit “Refer a Friend” in your profile and start referring using your unique link.

Invite friends

Send your unique link to your friends and family via social media, email, text, carrier pigeon—or whatever’s convenient for you.

See all FAQs.

Official Rules

Last Updated: January 2021

The following describes the terms of service which apply to participation in the referral or account opening promotional programs (collectively, the “Referral Programs“) currently offered by Social Finance, Inc. (“SoFi“) and its affiliates. If you wish to participate in any Referral Program described below, you agree to the terms for such Referral Program described in Part I below, as well as the General Terms and Conditions in Part II, which apply to all Referral Programs.

*Please note that any friend whom you’d like to refer must use your specific product referral link in accordance with the terms and conditions associated with the specific promotional campaign for that link. Note you have separate referral links for (1) Personal Loans and Student Loans, (2) Money, and (3) Invest products. 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.

Program terms-Part I

General Terms and Conditions-Part II

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