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As natural disasters impact the United States, SoFi wishes for the safety of everyone in the affected areas. We are here to help borrowers who are in a disaster zone designated by FEMA. To find out more click here.

Why do 13.7M members love SoFi?

• Smart money moves
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  Rewards points are redeemable for cash, SoFi loan payments, and more.

• Help when you
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  Need help? Get in touch with our support team via phone or chat.

• Complimentary
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  SoFi members get benefits like access to financial planning and exclusive access to SoFi Stadium.

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  Get complimentary credit score monitoring, spending breakdowns, financial insights, and more.

• 1-on-1 financial and
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  Members get unlimited access to personalized financial advice at no additional cost—plus free career tools and coaching.

• Exclusive member rate
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  Once you’re in, you’re able to get a rate reduction or discount on your next eligible loan.

Personalized mortgage solutions to achieve your goals.

Select from a variety of home loan options with mortgage rates, loan terms, and monthly payments that suit your budget.

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Need help finding the best option for your unique needs? Get in touch with a Mortgage Loan Officer at (844)-763-4466.

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Mortgage Loan Terms

⁵ 10-YEAR Payment Example: The payment for a 10-year term, loan amount $362000.00, Rate 5.250%, LTV 80% is $3884.00 for full Principal and Interest Payments with $5194.70 due at closing. The Annual Percentage Rate is 5.767%. No prepayment penalty. Payment shown does not include taxes and insurance. The actual payment amount will be greater. Interest rates and annual percentage rates (APRs) are for informational purposes only and are subject to change without notice.

⁶ 15-YEAR Payment Example: The payment for a 15-year term, loan amount $362000.00, Rate 5.125%, LTV 80% is $2886.00 for full Principal and Interest Payments with $4901.48 due at closing. The Annual Percentage Rate is 5.474%. No prepayment penalty. Payment shown does not include taxes and insurance. The actual payment amount will be greater. Interest rates and annual percentage rates (APRs) are for informational purposes only and are subject to change without notice.

⁷ 20-YEAR Payment Example: The payment for a 20-year term, loan amount $362000.00, Rate 5.750%, LTV 80% is $2542.00 for full Principal and Interest Payments with $6041.78 due at closing. The Annual Percentage Rate is 6.072%. No prepayment penalty. Payment shown does not include taxes and insurance. The actual payment amount will be greater. Interest rates and annual percentage rates (APRs) are for informational purposes only and are subject to change without notice.

⁸ 30-YEAR Payment Example: The payment for a 30-year term, loan amount $362000.00, Rate 5.875%, LTV 80% is $2141.00 for full Principal and Interest Payments with $6030.92 due at closing. The Annual Percentage Rate is 6.117%. No prepayment penalty. Payment shown does not include taxes and insurance. The actual payment amount will be greater. Interest rates and annual percentage rates (APRs) are for informational purposes only and are subject to change without notice.

Personal Loan Terms

Fixed rates from 7.74% APR to 35.49% APR reflect the 0.25% autopay interest rate discount and a 0.25% direct deposit interest rate discount. SoFi rate ranges are current as of 2/7/26 and are subject to change without notice. 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.

Loan amounts range from $5,000– $100,000. The APR is the cost of credit as a yearly rate and reflects both your interest rate and an origination fee of 0%-7%, which will be deducted from any loan proceeds you receive.

Autopay: 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.

SoFi Plus Discount: SoFi Plus members are eligible for an interest rate reduction of 0.25% on a Personal Loan. To be eligible for the discount, you must meet the SoFi Plus eligibility criteria within 31 days of the funding of your loan. For complete SoFi Plus eligibility, please see the SoFi Plus terms. When you enroll in SoFi Plus, the discount will lower the interest rate that applies to your loan only during periods in which you are enrolled in SoFi Plus. The discount will be removed during periods in which SoFi determines you are not enrolled in SoFi Plus. Each time your loan is re-amortized, your monthly payment amount will change based upon the interest rate that was in place. SoFi reserves the right to change or terminate this offer for unenrolled participants at any time. You are not required to enroll in SoFi Plus to be eligible for Loan approval.

Earlier this year, we launched the SoFi Entrepreneur Program to help our borrowers who have entrepreneurial aspirations refine their startup ideas, connect with mentors and potential investors, and develop the skills critical to getting early-stage funding.

It’s not every day that you find yourself having dinner with a successful entrepreneur, hedge fund manager and CEO.  But this is exactly what a small group of SoFi borrowers will do this week when they attend our special Supper Club event at the home of Mike Cagney, SoFi Co-Founder and CEO.

The more you learn about the student loan market, the more you realize how broken the system really is. There are horror stories about companies suing parents whose children have died before repaying their student loans. Others tell tales of loan companies being totally inflexible and demanding full payment even when a borrower has hit a temporary rough patch.