Take a vacation from high interest rates.

Personal Loan fixed rates start at 5.49% and variable rates
start as low as 5.28% APR (with AutoPay)5.

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Checking your rate will not affect your credit score.

Pay Off Your Credit Card or Invest in What Matters.

Are you paying more than 9% 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

SoFiLending ClubDiscover Personal LoanCredit 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
FeesNo Hidden Fees1 – 5% Origination FeeNo Fees3% Balance Transfer Fee
Term3, 4, 5, 6 or 7 years3 or 5 years3, 4, 5, 6, or 7 yearsRolling
Instant Pre-QualificationYesYesYesVaries
Amount$5,000 – $100,000$1,000 – $40,000$2,500 – $35,000Varies
Unemployment Protection4YesNoNoNo

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Payment Examples

The following examples depict the APR, monthly payment and total payments during the life of a $30,000 personal loan. All 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 .

Fixed Rate Loans

TermOrigination FeeRate (APR)No. of PaymentsMonthly PaymentTotal Payments
3 YearsNone5.49% - 12.99%36$905.74 - $1,010.67$32,606.64 - $36,384.12
4 YearsNone6.25% - 13.75%48$707.99 - $816.04$33,983.52 - $39,169.92
5 YearsNone7.08% - 14.24%60$595.10 - $701.79$35,706.00 - $42,107.40
6 YearsNone7.88% - 12.88%72$524.17 - $600.25$37,740.24 - $43,218.00
7 YearsNone8.33% - 13.49%84$472.46 - $553.78$39,686.64 - $46,517.52

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

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