Take a vacation from high interest rates.

Personal Loan fixed rates start at 5.49% and variable rates
start as low as 5.21% APR (with AutoPay)5.

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Checking your rate will not affect your credit score.

Welcome Student Loan Hero customers

Are you paying more than 11% interest on your credit cards? A SoFi Personal Loan could help you save thousands. With a low fixed rate and monthly payment, you can pay off high interest debt, like credit cards, or make a major purchase. It only takes minutes to apply.

Why SoFi?


Borrow from $5k-$100k at fixed rates that start at 5.49% APR (with AutoPay)5.

No Fees.
No Catch.

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


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


Simple online application and access to live customer support 7 days a week.


If you lose your job, we’ll temporarily pause your payments and help you find a new job.4


Borrowers raised their credit scores by 17 points on average when they paid off credit card debt**.

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Personal Loan Comparison6

Here’s how SoFi Personal Loans compare

SoFi Lending Club Discover Personal Loan Credit Cards
APR range

Fixed Rates

5.49% – 14.24%

(with AutoPay)5

5.99 – 35.89% 6.99 – 24.99% 12.00 – 22.86%6
Fees No Hidden Fees 1 – 5% Origination Fee No Fees 3% Balance Transfer Fee
Term 3, 4, 5, 6 or 7 years 3 or 5 years 3, 4, 5, 6, or 7 years Rolling
Instant Pre-Qualification Yes Yes Yes Varies
Amount $5,000 – $100,000 $1,000 – $40,000 $2,500 – $35,000 Varies
Unemployment Protection4 Yes No No No

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Hear From Our Members

With serious savings, a seamless online application, and unique community benefits, our members have a lot to say.

SoFi Member
“This has quite possibly been the best experience that I've had—easy application process, great rates, and great customer service.“

Christopher Campbell


SoFi Member
“My SoFi personal loan will save me thousands of dollars in interest. The application process was fast and effortless.“

Aviesha Stephens

New York

SoFi Member
“I know I’m making progress and [SoFi has] given me the freedom to invest that money in other assets.“

Susan Devine


View Member Stories

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

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