Feb

2019

Home Improvement Loans (Kukun)

By Eujin Rhee | Uncategorized | Comments Off

Make your
dream home
upgrades, today.

Borrow up to $100K, with no fees, to tackle your wish list with a home improvement
loan. Rates range from 7.74% APR to 35.49% APR (with AutoPay)⁵.

Checking your rate will
not affect your credit score^✝.

Kukun is the one-stop-shop for all your home remodeling needs. Estimate the cost of a home improvement project and measure its impact on the value of your home. Learn the basics, generate ideas, find reputable local contractors and more, all via Kukun. Plus get $100 when your loan is disbursed by applying through this page.^*

Rates range from 7.74% APR to 35.49% APR (with AutoPay)⁵.

Why SoFi?

Easy Experience

No need to wait weeks for an appraisal. Get pre-qualified and receive your funds fast so you can get started right away.

No Fees

Unlike some home equity loans, there are no closing costs and no costly home appraisals.

No Collateral

Without equity, it’s hard to get a HELOC on a new home. With SoFi, your home is not on the line.

Flexible Amounts

Borrow what you need—as little as $5,000 or as much as $100,000.

Fund Your Project

So Easy

Find Your Rate

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

Select Your Loan & Apply

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.

Get Started

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

Term	Origination Fee	Rate (APR)	No. of Payments	Monthly Payment	Total Payments
2 Years	None	7.74% – 35.49%	24	$1,353.26 – $1,763.32	$32,478.34 – $42,319.74
3 Years	None	7.74% – 35.49%	36	$936.50 – $1,365.41	$33,713.89 – $49,154.90
4 Years	None	8.23% – 35.49%	48	$735.63 – $1,178.04	$35,310.28 – $56,545.80
5 Years	None	9.50% – 35.49%	60	$630.06 – $1,074.14	$37,803.35 – $64,448.26
6 Years	None	10.56% – 35.49%	72	$564.28 – $1,011.27	$40,628.47 – $72,811.45
7 Years	None	11.90% – 35.49%	84	$527.98 – $971.20	$44,350.23 – $81,581.10

< Back to Personal Loans

Questions? Call us for a free consultation at 855-456-7634

Fund Your Project

Feb

2019

The True Cost of Owning a Pet

By SoFi | Lifestyle, personal_loan | No Comments

Almost 70% of U.S. households have a pet at home, with 60% of U.S. households having a dog and 47% of households having a cat. And there’s a good reason: our pets make us happier and healthier . Having a pet at home can improve self-esteem, physical fitness, and decrease loneliness. Plus, there’s pretty much nothing cuter than a newly adopted kitten or puppy.

But for all the positives of pet ownership, the costs can be overwhelming. As it turns out, 98% of pet owners seriously underestimated the cost of pet ownership. Excluding emergency and other serious vet procedures, the cost of taking care of a dog over the course of its lifetime ranges from $27,074 to $42,545. Thinking smaller?

The lifetime cost of owning a rabbit ranges between $12,893 and $19,338. Most of these costs end up concentrated at the start of adoption, when new pet owners pay for adoption fees , vaccinations, vet care, and the bulk of supplies, while the remaining costs are spread out over the animal’s lifespan and account for things like food, vet care, and supplies.

Feb

2019

Money Mobile Features

By Eujin Rhee | money | Comments Off

Mobile and Online Banking Features

Easily access and manage your money—anytime, anywhere.

SoFi Money® is a mobile-first cash management account that charges no account fees and no ATM fees at 55,000+ ATMs worldwide.¹

Get SoFi Money

We work hard to give you high interest and charge no account fees. With that in mind, our interest rate and fee structure is subject to change at any time. See our terms and conditions.

Pay friends, family,
and more.

Need to pay the babysitter? Does Aunt Mary owe you money? Transfer and receive funds on any device to anyone
you want.
Plus, get real time fund transfers from SoFi Money members.

Deposit checks
from your phone.

Hate having to go in person to cash that check? We feel you. With SoFi Money, you can deposit all of your checks directly through the SoFi app.

Pay bills online.

Whether it’s your movie streaming bill or credit card bill—or both—set up all of your bill payments directly from the SoFi app or on your computer.

SoFi Money is mobile and secure.

SoFi takes protecting your money seriously. Set up two-factor authentication—including the option for fingerprint recognition—via the SoFi app. Misplace your card? Order a new one and instantly freeze/unfreeze your card directly through the app. Plus, you can update your information and passwords anytime.

Here when you

need it.

We want to get you the help you need wherever you are. Ask questions and get support online or directly through the SoFi app.

Spend, save, earn—and get
membership benefits.

SoFi Money holders pay no ATM fees at 55,000+ ATMs worldwide¹, pay no account fees, get all the benefits of SoFi membership. Plus, with at least $500 in monthly deposits, earn 8x the national average in APY vs spending accounts on all your cash² and exclusive cash back offers.³

Member rate discounts

As a SoFi member you’ll receive a 0.125% rate discount on additional SoFi loans.⁴

Career services

Get access to complimentary one-on-one career services to help with career transitions, job searches, and more.

Community experiences

SoFi members get access to experiences that help them build their network, community, and career.

We work hard to give you high interest and charge no account fees. With that in mind, our interest rate and fee structure is subject to change at any time. See our terms and conditions.

Simplify how you manage
your money.

Whether you’re at home or on the go, looking to invest or just storing cash, easily access and manage SoFi Money on your phone or desktop.

Explore more

benefits of

SoFi Money.

Feb

2019

Banking Safe & Secure

By Eujin Rhee | money | Comments Off

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Online Banking Security and Protection

Keeping your bank account safe is our priority.

Bank with total peace of mind. We protect your SoFi Checking and Savings account with 24/7 fraud monitoring and up to $3M in additional FDIC insurance through our participating banks network¹.

Open an account

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How our security features protect your money.

We care about your online bank security. That’s why we designed SoFi Checking and Savings to give you full visibility and control of your money. You can monitor your account 24/7 and instantly freeze your debit card online or via the SoFi app.

FDIC Insurance up to $3M on deposits.

Additional FDIC insurance up to $3M is available through a network of participating banks. Learn more.

Two-factor authentication for biometric login options.

We’ll ask for a security code, fingerprint, or face recognition as extra verification when you sign in–keeping your account and identity secure.

24/7 account monitoring and fraud detection.

Protect your accounts from fraud with around-the-clock monitoring and the ability to freeze your debit or credit card instantly in the SoFi app.

Real-time transaction alerts and debit card freezing.

SoFi allows you to receive instant transaction alerts anytime you use your debit card. Turn on daily notifications so you always know what’s happening with your money.

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Simple ways to protect your money with SoFi.

Here are a few proactive steps you can take to safeguard your info.

1/6

Enable two-factor authentication.

Go beyond the password. Protect your login with a secondary verification step using text messages, voice calls, or an authenticator app.

To enable: Settings > Security > Two-factor authentication

Enable two-factor authentication.

Go beyond the password. Protect your login with a secondary verification step using text messages, voice calls, or an authenticator app.

To enable: Settings > Security > Two-factor authentication

2/6

Use an authenticator app.

Add an extra security layer at login. Generate unique, temporary codes right on your phone as a reliable alternative to text messages.

To enable: Settings > Security > Two-factor authentication > Authenticator app

Use an authenticator app.

Add an extra security layer at login. Generate unique, temporary codes right on your phone as a reliable alternative to text messages.

To enable: Settings > Security > Two-factor authentication > Authenticator app

3/6

Verify incoming calls.

We help you spot imposters. When SoFi calls you, we’ll send a verification alert to your app so you can confirm it’s really us before you answer.

Verify incoming calls.

We help you spot imposters. When SoFi calls you, we’ll send a verification alert to your app so you can confirm it’s really us before you answer.

4/6

Freeze your card instantly.

Misplaced your card? Halt unauthorized charges immediately by locking your debit card in the app. You can unfreeze it just as quickly if it turns up.

To enable: Banking >

> Debit Card > Freeze card

Freeze your card instantly.

Misplaced your card? Halt unauthorized charges immediately by locking your debit card in the app. You can unfreeze it just as quickly if it turns up.

To enable: Banking >

> Debit Card > Freeze card

5/6

Get login alerts.

Stay in the know. We’ll notify you of new or unusual login attempts, so you can update your password or freeze your card instantly if something looks off.

Get login alerts.

Stay in the know. We’ll notify you of new or unusual login attempts, so you can update your password or freeze your card instantly if something looks off.

6/6

Review login history.

See exactly when and where your account was accessed. Regularly checking this list helps you catch unauthorized access early.

To enable: Settings > Security > Login history

Review login history.

See exactly when and where your account was accessed. Regularly checking this list helps you catch unauthorized access early.

To enable: Settings > Security > Login history

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How you can practice safe and secure online banking.

Simple habits can strengthen your online banking security and help protect your checking and savings accounts.

Watch for common scams like phishing, vishing, and smishing.
Turn on account alerts to spot unusual activity quickly.
Use strong, unique passwords for every financial account.
Log in only on private, secure Wi-Fi networks.
Enable biometrics or two-factor authentication for added protection.
Review your account activity regularly to catch issues early.

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Online bank security resources.

See more banking articles

{/*FAQs*/}

FAQs

Are online banks safe?

At SoFi, information security is our top priority. We offer SSL encryption, fraud protection, and FDIC insurance up to $3M (8x the national standard) when you enroll in the SoFi Insured Deposits Program. Plus, biometric login and two-factor authentication provide additional security.

What is financial fraud?

Financial fraud occurs when someone accesses or uses your personal or banking information without permission, often to make unauthorized transactions. It can involve stolen credentials, fake messages, or deceptive schemes designed to trick you into sharing sensitive data..

What is two-factor authentication (2FA)?

2FA is an increasingly common security measure to help keep sensitive data secure. When you log in to an account, you need to provide two pieces of unique information, such as:

• Your password or security questions
• A passcode sent to your email address or phone
• Your fingerprint or face for identification

We take banking security seriously, which is why we have 2FA in place for all SoFi Checking and Savings accounts.

What is the benefit of using two-factor authentication (2FA)?

Two-factor authentication makes your account significantly harder for someone else to access, even if they have your password. It adds an additional verification step that strengthens your overall account security and helps protect your personal information from fraud.

What is biometric login?

Biometric login is when you use a physical feature—typically either your fingerprint or face—to log in to your account. With SoFi Checking and Savings, you can use your fingerprint or face to verify your identity when logging in to your account.

Does SoFi offer identity theft protection?

SoFi provides a range of security features that help safeguard your identity, including device verification, biometric login, and real-time fraud monitoring. While SoFi does not offer standalone identity theft insurance, these tools help reduce the risk of unauthorized access.

How can I freeze my SoFi debit card if it’s lost or stolen?

You can instantly freeze your SoFi debit card in the SoFi app to stop new transactions from going through. If you find your card later, you can unfreeze it just as quickly.

Does SoFi offer zero-liability protection on my debit card?

Yes. With the World Debit Mastercard, you’re protected from unauthorized transactions online, in-store, by phone, and at ATMs, giving you added confidence when managing your account.

How do I contact SoFi’s fraud department?

If you’re concerned about any suspicious activity on your SoFi bank account, contact us at 855-456-7634 (and then choose option 8 ). We’re here to help.

Is SoFi insured by the FDIC?

Yes. All SoFi Checking and Savings accounts are FDIC insured up to $250,000 per member (joint accounts are insured up to $500,000). In addition, FDIC insurance of up to $3M is available by enrolling in the SoFi Insured Deposits Program at no cost.¹

Explore other online banking features:

Mobile Banking →

Zelle® →

Transfers →

Online Bill Pay →

Mobile Check Deposit →

Automatic Saving Tools →

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We’ve got you covered.

From fraud protection to banking security, SoFi Checking and Savings gives you peace of mind.

Open an account

Home > Banking > Online Banking >Online Banking Security

Feb

2019

Banking High Interest

By Eujin Rhee | money | Comments Off

High Interest Banking

Earn up to 3.30% APY¹ on all your cash with SoFi Checking and Savings.^®

Meet SoFi Checking and Savings: a bank account that earns you high interest —and costs you nothing.¹

We work hard to give you interest and charge no account fees. With that in mind, our interest rates, fees charged, and ATM fee policies are subject to change at any time. See our terms and conditions.

Make your money work as hard as you do.

As soon as you open your SoFi Checking and Savings account, you’ll pay no ATM fees at 55,000+ ATMs worldwide², pay no account fees, earn up to 3.30% APY, and get the benefits of SoFi membership. Whether you’re storing cash until you’re ready to invest or working toward a down payment, SoFi Checking and Savings can help you on your way.

We work hard to give you high interest and charge no account fees. With that in mind, our interest rates, fees charged, and ATM fee policies are subject to change at any time. See our terms and conditions.

Earn high interest.
Pay no account fees.

With SoFi Checking and Savings, you can earn high interest, spend, and save—all in one bank account. And you’ll pay zero account fees to do it.

We work hard to give you high interest and charge no account fees. With that in mind, our interest rates and fees charged are subject to change at any time. See our terms and conditions.

Spend, save, earn—and get
membership benefits.

SoFi Checking and Savings holders pay no ATM fees at 55,000+ ATMs worldwide², pay no account fees, get all the benefits of SoFi membership. Plus, with at least $500 in monthly deposits, earn 33x the national checking rate on your balances³.

Member rate discounts

As a SoFi member you’ll receive a 0.125% rate discount on additional SoFi loans.⁴

Career services

Get access to complimentary one-on-one career services to help with career transitions, job searches, and more.

Community experiences

SoFi members get access to experiences that help them build their network, community, and career.

We work hard to give you high interest and charge no account fees. With that in mind, our interest rates, fees charged, and ATM fee reimbursement policies are subject to change at any time. See our terms and conditions.

High interest.
No account fees.
Get it now.

You work hard for your money. Now your money can work hard for you. Earn 3.30% APY¹ with no account fees with SoFi Checking and Savings.

We work hard to give you high interest and charge no account fees. With that in mind, our interest rates and fees charged are subject to change at any time. See our terms and conditions.

SoFi Blog

Tips and news—for your financial moves.

Home Improvement Loans (Kukun)

Make your dream home upgrades, today.

Borrow up to $100K, with no fees, to tackle your wish list with a home improvement loan. Rates range from 7.74% APR to 35.49% APR (with AutoPay)5.

Why SoFi?

Easy Experience

No Fees

No Collateral

Flexible Amounts

So Easy

Find Your Rate

Select Your Loan & Apply

Sign electronically and receive your funds

Compare Rates and Terms

Payment Examples

The True Cost of Owning a Pet

Money Mobile Features

Pay friends, family, and more.

Deposit checks from your phone.

Pay bills online.

SoFi Money is mobile and secure.

Here when you need it.

Spend, save, earn—and get membership benefits.

Member rate discounts

Career services

Community experiences

Simplify how you manage your money.

Explore more benefits of SoFi Money.

Banking Safe & Secure

Keeping your bank account safe is our priority.

How our security features protect your money.

Simple ways to protect your money with SoFi.

Enable two-factor authentication.

Enable two-factor authentication.

Use an authenticator app.

Use an authenticator app.

Verify incoming calls.

Verify incoming calls.

Freeze your card instantly.

Freeze your card instantly.

Get login alerts.

Get login alerts.

Review login history.

Review login history.

How you can practice safe and secure online banking.

Online bank security resources.

FAQs

Explore other online banking features:

We’ve got you covered.

Banking High Interest

Make your money work as hard as you do.

Earn high interest. Pay no account fees.

Spend, save, earn—and get membership benefits.

Member rate discounts

Career services

Community experiences

High interest. No account fees. Get it now.

Explore more benefits of SoFi Checking and Savings.

Tips and news—
for your financial moves.

Make your
dream home
upgrades, today.

Borrow up to $100K, with no fees, to tackle your wish list with a home improvement
loan. Rates range from 7.74% APR to 35.49% APR (with AutoPay)⁵.

Pay friends, family,
and more.

Deposit checks
from your phone.

Here when you

need it.

Spend, save, earn—and get
membership benefits.

Simplify how you manage
your money.

Explore more

benefits of

SoFi Money.

Earn high interest.
Pay no account fees.

Spend, save, earn—and get
membership benefits.

High interest.
No account fees.
Get it now.

Explore more

benefits of

SoFi Checking and Savings.