Effective as of February 3, 2026.
Receiving the bonus described above is subject to the following terms and conditions:
Ineligible Loans: Lines of Credit (LOCs) and renewal loans are not eligible for the bonus reward.
1. Eligibility Requirements:
• Offer Notification: To be eligible for the bonus, you must have received a personalized communication from SoFi offering this specific bonus. This includes an email, in-app message, or push notification (the “Offer Notice”). The Offer Notice is intended for the recipient only and may not be transferred or forwarded to another person.
• Eligible Loans: Loan request or application must be submitted by a person authorized to act on behalf of the company on the loan. The bonus is available only to new closed-end small business loans greater than $9,999.99 that are funded through a provider participating in SoFi’s marketplace during the Offer Period and as a result of submitting a loan request through SoFi’s marketplace.
• State Eligibility: The bonus is available only to legal residents of the 50 United States and the District of Columbia. Void where prohibited.
2. Offer Period:
To qualify for the bonus, the eligible loan must be fully approved and funded no later than 11:59 PM PT on March 10, 2026. Loans funded after this date will not be eligible for the bonus, regardless of when the application was submitted or approved.
3. Bonus:
• Bonus Amount: The bonus will be 0.50% of the final funded principal amount of the eligible loan starting at $50 and up to a maximum of $1,000. For illustrative purposes, if you obtain a funded loan of $20,000, you will be given a bonus of $100. The bonus amount for funded loans above $200,000 is capped at $1,000.
• Reward Form and Delivery: The bonus will be awarded in the form of a digital Mastercard® Reward Card (“Card”) which PerfectGift.com will deliver to the email address on file with SoFi for the loan applicant.
4. General Conditions:
• Taxes: SoFi is required to comply with applicable federal and state reporting requirements. The bonus may be reported on Form 1099-MISC or Form 1042-s as applicable. Recipient is responsible for any applicable federal, state, or local taxes associated with receiving the bonus offer; consult with your tax advisor to determine applicable tax consequences.
• Modifications and Termination: SoFi reserves the right to modify or terminate this offer, or modify the terms and conditions, at any time without prior notice. Any changes will not affect rewards for eligible loans funded prior to the date of modification or termination.
• Right to Refuse: SoFi reserves the right to disqualify any Recipient from participation in the Program or to refuse to award a bonus if SoFi suspects fraud, abuse, or a violation of these terms.
Digital Mastercard Reward Cards can be redeemed at every internet, mail order and telephone merchant everywhere Mastercard Debit Cards are accepted. In addition, the Cards can be added to Google WalletTM or Apple Wallet® and used everywhere that Mastercard Debit Cards are accepted. Mastercard Reward Cards are not accepted at ATMs and cannot be used to obtain cash or cash back in any purchase transaction. The funds on the Rewards Cards do not expire. The “valid thru” date indicated on the front of the Card is not an expiration date but is intended primarily to allow the Card to be used with certain internet or mail/telephone order merchants, where such information may be required. After the “valid thru” date, the available funds will be temporarily unavailable until you contact 866-353-4237 for a replacement Card with a new “valid thru” date. You will be charged a replacement Card fee of five dollars ($5.00) if you are ordering a replacement Card due to expiration in order to continue accessing unused funds. If your Card still has unused funds on it after your Card expires, you may order a new Card by calling 866-353-4237. For the full terms and conditions, see the PerfectGift.com Reward Cardholder Agreement. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated. Google Wallet is a trademark of Google LLC. Apple Wallet is a trademark of Apple Inc., registered in the U.S. and other countries.