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1. View your rate.

View your pre-qualified rate in 60 seconds with no commitment

When you're ready, complete your online application with help from our SoFi loan consultants.

2. Complete your application

3. Receive your funds.

Sign your documents and funds will be wired to your account - as soon as the same day.*

SoFi Money® is a cash management account, which is a brokerage product, offered by SoFi Securities LLC. Member FINRA/SIPC. SoFi Money Debit Card issued by The Bancorp Bank.

Terms and Conditions Apply. SOFI RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS AND BENEFITS AT ANY TIME WITHOUT NOTICE. To qualify, a borrower must be a U.S. citizen or other eligible status and meet SoFi's underwriting requirements. Not all borrowers receive the lowest rate. Lowest rates reserved for the most creditworthy borrowers. If approved, your actual rate will be within the range of rates at the time of application and will depend on a variety of factors, including term of loan, evaluation of your creditworthiness, income, and other factors. If SoFi is unable to offer you a loan but matches you for a loan with a participating bank then your rate may be outside the range of rates listed above. Rates and Terms are subject to change at anytime without notice. SoFi Personal Loans can be used for any lawful personal, family, or household purposes and may not be used for post-secondary education expenses. Loans originated by SoFi Lending Corp. or an affiliate (dba SoFi) are subject to state restrictions and may not be available in all states, such as MS; see SoFi.com/eligibility for details and state restrictions. Minimum loan requirements might be higher than $5,000 in specific states due to legal requirements and interest-rate caps may be lower in some states due to legal requirements and may impact your eligibility to qualify for a SoFi loan. The average of SoFi Personal Loans funded in 2021 was around $33k. Information current as of 01/27/22. Loans originated by SoFi Lending Corp. or an affiliate, licensed by the Department of Financial Protection and Innovation under the California Financing Law License No. 6054612. NMLS #1121636 (www.nmlsconsumeraccess.org). 


† To check the rates and terms you qualify for, SoFi conducts a soft credit pull that will not affect your credit score. However, if you choose a product and continue your application, we will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit pull and may affect your credit.

1Autopay: 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, or from SoFi Money®. The benefit will discontinue and be lost for periods in which you do not pay by automatic deduction from a savings or checking account or SoFi Money. Enrolling in autopay is not required to receive a loan from SoFi.

2 To qualify for an additional 0.25% APR direct deposit discount you must: (1) set up autopay with SoFi Money within 20 days of the funding of your loan, AND (2) setup payroll direct deposits of at least $1,000/mo to SoFi Money within 35 days of the funding of your loan. If you do not set up autopay with SoFi Money within 20 days of the funding of your loan, AND setup payroll direct deposits to SoFi Money within 35 days of the funding of your loan you will not be qualified for this additional 0.25% direct deposit discount. Once qualified, you will receive this additional 0.25% direct deposit discount during periods in which you have direct deposits of at least $1,000/mo turned on with your SoFi Money account. This additional direct deposit discount will be lost during periods in which you have turned off direct deposits for your SoFi Money account. You are not required to enroll in autopay or direct deposit to receive a loan from SoFi. The Direct Deposit Rate Reduction excludes members from receiving the $100 SoFi Money® direct deposit promotional program.
* Same-Day Personal Loan Funding: 86% of typical SoFi personal loan applications, excluding Direct Pay personal loans and personal loan refinance, from January 1st 2021-December 1st 2021 that were signed before 7pm ET on a business day were funded the same day.

SoFi Money® and SoFi® Checking and Savings direct deposit promotional programs. SoFi Money® is a cash management account which is a brokerage product, offered by SoFi Securities LLC. Member FINRA/SIPC. SoFi® Checking and Savings is offered through SoFi Bank, N.A. Member FDIC.

©2022 Social Finance, Inc. All rights reserved.

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Fixed personal loan rates with all discounts:

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4.99% APR - 19.53% APR

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