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for your financial moves.

Private Student Loans SEM


Private Student Loans

Get a no-fee
student loan
that fits.


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Checking won’t affect your credit score..

When you’re choosing a student
loan provider, you want to
be sure
you’re covered during undergrad
and postgrad.

Don’t worry, SoFi’s got your back.

✓ Flexible repayment terms.
✓ Competitive rates.
✓ 100% of school-certified costs covered.


View your rate

Checking won’t affect your credit score..

Repay your way.

Pick the repayment option that works for you and your budget.


Deferred

Start paying principal and interest payments six months after you leave school.

  • No payments while in school
  • Highest overall cost option

Not available for parent student loans


Interest only

Pay only interest payments while you’re in school.

  • Moderate payment while in school
  • Reduces overall cost

Not available for parent student loans


Partial

Pay a $25 fixed monthly payment while you’re in school.

  • Lowest payment option while in school
  • Reduces some of the overall cost


Immediate

Start paying principal and interest payments right away.

  • Highest payment option while in school
  • Lowest overall cost option

View undergraduate repayment examples

Flexible rates and terms
so you can choose
what’s right for you.

You’ve got choices. Choose a fixed rate or keep things flexible with a variable rate.


View your rate




Checking won’t affect your credit score.

Fixed

3.43% – 15.99% APR*

For undergraduate loans with autopay


Variable

4.64% – 15.99% APR*

For undergraduate loans with autopay

SoFi has private student loans for
a range of educations.

We offer diverse options for college students at many different stages of their academic careers.
Whether you’re just starting as an undergrad or going for a medical degree, we have you covered.


Private loans for college, without the hassle. See private student loan rates for undergrads in minutes—with tips along the way.
Learn more

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Focus on your degree—not your debt. SoFi offers low-rate grad-school loans you can pay back on your own terms.
Learn more

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Pay for law school with our premium, variable- or fixed-rate private student loans.
Learn more

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Get competitive private student loan rates for business school as you advance your career.
Learn more

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Get low-rate student loans to pay for college, with flexible repayment plans for qualified parents (and sponsors), too.
Learn more

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Future healthcare pros looking to do good—let us be your ally as we support you through grad school and beyond.
Learn more

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Get started in minutes.

It’s that fast. Find your loan rate in just a few clicks.


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Checking won’t affect your credit score.

* Interest Rates: Eligibility and Important Details. Fixed rates range from 3.43% APR to 15.99% APR with 0.25% autopay discount. Variable rates range from 4.64% APR to 15.99% APR with a 0.25% autopay discount. Unless required to be lower to comply with applicable law, Variable Interest rates are capped at 17.95%. SoFi rate ranges are current as of 6/1/23 and are subject to change at any time. Your actual rate will be within the range of rates listed above and will depend on the term and type of repayment option you select, evaluation of your creditworthiness, income, presence of a co-signer (if applicable) and a variety of other factors. Lowest rates reserved for the most creditworthy borrowers. Check out our eligibility criteria at SoFi.com/eligibility. For the SoFi variable-rate product, the variable interest rate for a given month is derived by adding a margin to the 30-day average SOFR index, published two business days preceding such calendar month, rounded up to the nearest one hundredth of one percent (0.01% or 0.0001). APRs for variable-rate loans may increase after origination if the SOFR index increases. 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. This benefit will discontinue and be lost for periods in which you do not pay by automatic deduction from a savings or checking account. The benefit lowers your interest rate but does not change the amount of your monthly payment. This benefit is suspended during periods of deferment and forbearance. Autopay is not required to receive a loan from SoFi.


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Personal Loans SEM

PERSONAL LOANS

Simple. Swift. Secure. Personal loans up to $100,000.

See your rate in 60 seconds with no impact to your credit score.


View your rate

✓ No fees required.
No origination fees required, no prepayment or late fees.

✓ Fast funding.
Your funds could be available as soon as the same day you sign.1

✓ Data protection.
SSL encryption safeguards your personal data.

See your rate in 60 seconds with no impact to your credit score.


View your rate



Why SoFi Personal Loans?

Low fixed rates

Lock in a fixed rate starting at 7.74% APR2 to keep your payment from rising over time.

Easy application process

Our online application and live support keep it simple.

Low monthly payments

Save big by consolidating high-rate debt into one low fixed payment.


View your rate




Checking won’t affect your credit score.

Our members have paid off more than $33B
in high-interest debt.

See what makes SoFi Personal Loans
stand out from the crowd.

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Comparisons based on information obtained on lenders’ websites as of January 2024.

Terms and conditions apply. SOFI RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS AND BENEFITS AT ANY TIME WITHOUT NOTICE. To qualify, a borrower must be a U.S. citizen or other eligible status, be residing in the U.S., and meet SoFi’s underwriting requirements. Not all borrowers receive the lowest rate. Lowest rates reserved for the most creditworthy borrowers. If approved, your actual rate will be within the range of rates at the time of application and will depend on a variety of factors, including term of loan, evaluation of your creditworthiness, income, and other factors. If SoFi is unable to offer you a loan but matches you for a loan with a participating bank, then your rate may be outside the range of rates listed above. Rates and Terms are subject to change at any time without notice. SoFi Personal Loans can be used for any lawful personal, family, or household purposes and may not be used for post-secondary education expenses. Minimum loan amount is $5,000. The average of SoFi Personal Loans funded in 2023 was around $33K. Information current as of 4/18/24. SoFi Personal Loans originated by SoFi Bank, N.A. Member FDIC. NMLS #696891 (www.nmlsconsumeraccess.org). See SoFi.com/legal for state-specific license details. See SoFi.com/eligibility for details and state restrictions.

1 Same-Day Personal Loan Funding: 83% of typical SoFi personal loan applications, excluding Direct Pay personal loans and personal loan refinance, from January 1, 2023–January 1, 2024 that were signed before 6pm ET on a business day were funded the same day.

† To check the rates and terms you may qualify for, SoFi conducts a soft credit pull that will not affect your credit score. However, if you choose a product and continue your application, we will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit pull and may affect your credit.

Excellent/4.6/5 star rating based on 8,252 reviews as of April 18, 2024. © 2024 Trustpilot, Inc. All rights reserved.

2 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 2/10/26 and are subject to change without notice. The average of SoFi Personal Loans funded in 2022 was around $30K. Not all applicants qualify for the lowest rate. 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.

Direct Deposit Discount: To be eligible to potentially receive an additional (0.25%) interest rate reduction for setting up direct deposit with a SoFi Checking and Savings account offered by SoFi Bank, N.A. or eligible cash management account offered by SoFi Securities, LLC (“Direct Deposit Account”), you must have an open Direct Deposit Account within 30 days of the funding of your Loan. Once eligible, you will receive this discount during periods in which you have enabled payroll direct deposits of at least $1,000/month to a Direct Deposit Account in accordance with SoFi’s reasonable procedures and requirements to be determined at SoFi’s sole discretion. This discount will be lost during periods in which SoFi determines you have turned off direct deposits to your Direct Deposit Account. You are not required to enroll in direct deposits to receive a Loan.

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