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Are you paying more than 16% interest on your credit cards? A SoFi Personal Loan could help you save thousands. With low rates and a fixed monthly payment, you can pay off high interest debt, like credit cards, or make a major purchase. It only takes minutes to apply.

Fixed rates with Autopay5
5.990% APR – 16.990% APR
No origination fees, no prepayment penalties.
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Checking your rate will not affect your credit score.

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Serious
Savings

Borrow from $5k-$100k at fixed rates that range from 5.990% APR to 16.990% APR (with AutoPay)5.

No Fees.
No Catch.

No origination fees or pre-payment penalties. What you see is what you get.

Exclusive
Rates

Get a 0.125% rate discount✝✝ on an additional SoFi loan—just for being a member.

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So Easy

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Get pre-qualified online with no hidden fees and no obligation.

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Choose the loan that works for you and complete your application.

Sign electronically and receive your funds

Sign your documents and funds are deposited to your account.

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Compare Rates and Terms

The following examples depict the APR, monthly payment and total payments during the life of a $30,000 personal loan. All personal loan APR rates below are shown with the Autopay Discount (0.25%)5. Your actual interest rate may be different than the rates in these examples and will be based on term of loan, your financial history and other factors. State restrictions may apply.

Payment Examples

Fixed Rate Loans

TermOrigination FeeRate (APR)No. of PaymentsMonthly PaymentTotal Payments
2 YearsNone5.99% - 14.09%24$1,329.48 - $1,441.66$31,907.60 - $34,599.90
3 YearsNone5.99% - 14.59%36$912.52 - $1,033.95$32,850.80 - $37,222.08
4 YearsNone7.87% - 16.74%48$730.54 - $861.62$35,066.13 - $41,357.81
5 YearsNone8.65% - 16.99%60$617.67 - $745.42$37,060.02 - $44,724.96
6 YearsNone10.76% - 13.58%72$567.39 - $611.41$40,851.89 - $44,021.78
7 YearsNone11.42% - 14.51%84$520.39 - $570.67$43,712.38 - $47,936.23
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