Student Loan Refinancing
Consider us
your partner
in
paying off student debt.
Find My Rate
Checking your rate will not affect your credit score✝.
Rates and Terms
Whether you’re looking to lower your monthly payments or pay off your loans as soon as possible, we have flexible terms and rates to suit your plan.
Variable Rate
Rates start from 5.99% APR to
9.99% APR (with AutoPay).1
Fixed Rate
Rates available from 4.24% APR to
9.99% APR (with AutoPay).1
Why Refinance Student Loans with Sofi?
Serious
Savings
Low fixed and variable rates. No application or origination fees.
Federal + Private
We’re one of the few lenders that consolidate and refinance both federal and private loans.
Unemployment
Protection3
If the unexpected happens, we’ll temporarily pause your loan payments and help you in your job search.
Career
Support
Work one-on-one with a SoFi Career Advisor to get personalized career support.
Leading
Insight
SoFi is a leading student loan refinancing provider in the U.S. with over $30 billion+ in loans originated to date.**
Three Easy Steps
We make it easy. If you have questions, our customer support team is here to help you through the process—seven days a week.
Online Pre-Approval
Our two-minute pre-approval process lets you know if you qualify before starting the application.
Select a Loan
Compare the plans available to you with specific payments, rates, and terms.
Upload & Sign
Easily upload documents via screenshots or smartphone photos, then sign electronically.
More Resources
Five years to becoming debt free
How one attorney paid off six-figure law school debt with SoFi after graduating Harvard law.
Four lawyers get candid about life, career aspirations, and law school debt
Navigating careers, discovering new passions and closing the case on their student debt.
SoFi’s 2017 law school rankings
What is consolidation, what is refinancing, and how do you know which one (if either) is right for your financial goals?
Questions? Call us for a free consultation at
855-456-7634.
Personal Loan Terms
Fixed rates from 8.74% 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 12/15/25 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%-6%, which will be deducted from any loan proceeds you receive.PERSONAL LOAN INTEREST RATES AND FEES | ELIGIBILITY AND IMPORTANT DETAILS. Annual percentage rates (APRs) shown include the 0.25% autopay discount. If approved for a loan, the rates and terms offered will depend on things like creditworthiness, the length of the loan, and other factors, and will fall within the range of rates available by applicable loan term; check out our full APR examples and terms. Remember, not all applicants will qualify for the lowest rate. Want to learn more? See our eligibility criteria at SoFi.com/eligibility-criteria. SoFi reserves the right to change interest rates at any time without notice, changes would only apply to applications begun after the effective date of the change. Fixed Rates: Fixed rates range from % APR to % APR (with autopay). The SoFi 0.25% autopay interest rate reduction requires you to agree to make your scheduled monthly payments by an automatic monthly deduction (ACH) from a savings or checking account. Enrolling in autopay is not required to receive a loan from SoFi. Loan Terms: SoFi Personal Loans offer loans with a period of repayment between 2 and 7-year terms. Loan Fees: SoFi personal loans have no fees; specifically, no origination fees, no late fees, no prepayment penalties.
PERSONAL LOAN | REPAYMENT EXAMPLE. The following example depicts the APR, monthly payment and total payments during the life of a $30,000 personal loan with a 2-year repayment term, a 0.25% autopay discount, and a fixed rate between 8.74% APR to 35.49% APR. It works out to 24 monthly payments ranging from $1,356.68–$1,529.07 for a total amount of payments ranging from $32,560.37–$36,697.76. This repayment example assumes that the borrower is signed up for autopay and that all payments are made on time, with no pre-payments. Actual rates may vary based on repayment term, loan amount, creditworthiness, and other terms and conditions. SoFi does not offer variable rate personal loans. State restrictions may apply.