SoFi, short for Social Finance, is a direct lender offering unsecured personal loans with flexible terms, fixed rates, and no fees. Borrowers can access up to $100,000 through a seamless digital process backed by substantial member benefits and reliable customer support, making SoFi a trusted choice for financial flexibility.
Disclosure
SoFi Personal Loans Disclosure
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 11/12/25 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%-7%, 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 8.74% APR to 35.49% 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 required; specifically, no origination fees required, 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.
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SoFi (Social Finance, Inc.) is a leading U.S.-based financial technology company headquartered in San Francisco, California. Founded in 2011, SoFi’s mission is to help people achieve financial independence by simplifying how they borrow, save, spend, invest, and protect their money.
The company began with a simple idea to make borrowing more affordable and accessible and has since become one of the most recognized names in digital finance.
Initially launched as a student loan refinancing platform, SoFi began as a peer-to-peer lending model founded by Stanford business school graduates Mike Cagney, Dan Macklin, James Finnigan, and Ian Brady.
Over time, SoFi expanded its offerings far beyond lending. Today, it operates as a comprehensive digital financial ecosystem, offering personal loans, home loans, student loan refinancing, checking and savings accounts, investing tools, credit cards, insurance options, and educational resources, all accessible through its modern online and mobile platform.
In 2022, SoFi received approval from the U.S. Office of the Comptroller of the Currency (OCC) to operate as a national bank, officially launching SoFi Bank, N.A.. This milestone strengthened SoFi’s ability to deliver competitive rates, lower fees, and greater flexibility for its members.
Built on principles of transparency, innovation, and member-first service, SoFi provides tailored financial guidance, career development support, and exclusive member benefits. Its “Get Your Money Right®” mantra reflects its commitment to help people take control of every aspect of their financial journey through one convenient, digitally powered platform.
SoFi offers a comprehensive range of digital financial products, including loans, banking, investing, credit, and insurance, all within an integrated financial platform.
High-yield online checking and savings with no account fees, early direct deposit, cashback on eligible purchases, and access to 55,000+ fee-free ATMs.
SoFi offers a range of no-annual-fee credit cards, including options with unlimited 2% cash back, category-based rewards, and a card designed to help build credit.
A free tool that lets you view all your financial accounts in one dashboard, track spending, set budgets, and monitor your credit score with secure, multi-factor authentication.
A modern investing platform offering commission-free stock and ETF trading, automated portfolios, retirement accounts, IPO access, and optional financial planner guidance, all in the SoFi app.
Refinance federal or private student loans with competitive fixed or variable rates, no required fees, flexible term options, and a fast online process.
Unsecured personal loans with low fixed rates, no required fees, flexible terms, and fast funding, ideal for debt consolidation, home improvement, major purchases, medical expenses, and more.
🏠 Home Mortgage Loans & Refinancing
Conventional and jumbo mortgages with low down payments, fast online preapproval, flexible fixed-rate terms, refinancing options, and a $10k On-Time Close Guarantee.
Flexible private student loans for undergraduate, graduate, and professional programs, offering competitive rates, multiple repayment options, and coverage for 100% of school-certified costs.
Insurance options offered through SoFi’s trusted partners, including auto, home, renters, life, and cybersecurity coverage, all of which are easily accessible and manageable online.
A financial well-being platform that employers can use to offer student loan assistance, retirement savings support, financial tools, and exclusive employee benefits.
A marketplace that lets business owners compare financing options, including working capital and equipment funding, and access loans up to $2 million.
A marketplace that lets you compare auto loan refinance offers in minutes and potentially lower your monthly payment or interest costs.
in funded loans
Better Business Bureau
SoFi Personal Loans are unsecured, fixed-rate loans designed to help individuals manage a wide range of financial needs without the burden of fees or complex terms. As a direct lender, SoFi is known for offering competitive rates, high borrowing limits, and a streamlined online experience, making it a strong option for applicants with good to excellent credit who need access to larger loan amounts.
Qualified applicants can receive loan amounts up to $100,000, making SoFi an ideal choice for major expenses such as debt consolidation, home improvements, medical bills, and other substantial financial needs. Loan terms typically range from 2 to 7 years, with fixed monthly payments for predictable budgeting.
SoFi’s transparent, fee-free structure and focus on member experience make it an appealing option for those looking to consolidate high-interest debt or secure funding without unnecessary complications.
Loans from SoFi feature clear, predictable monthly payments with fixed APRs that stay the same for the entire term.
Eligible individuals can access up to $100,000, providing flexibility for both moderate and large financial needs.
SoFi’s fast digital process allows eligible applicants to receive funds promptly, making it suitable for time-sensitive financial needs.
APR reductions are available through a 0.25% autopay discount, with additional rate savings possible through direct deposit or SoFi Plus membership.
Loan terms typically range from 2 to 7 years, allowing individuals to choose a repayment schedule that suits their budget.
A co-borrower can be included in the application, which may strengthen eligibility or help secure a more competitive rate.
From prequalification to funding, the entire application process is fast, simple, and fully digital.
Safety | Bank-level security with 256-bit SSL encryption. |
Lender Type | Direct Lender |
BBB Rating | A+ (not BBB-accredited) |
APR | 8.74% – 35.49%* (includes discounts, where eligible) |
Credit Score | 650+ |
Loan Amount | $5,000 to $100,000 |
Loan Term | 24 – 84 months |
Origination Fees | None |
Time to Receive Funds | 1 to 2 business days after approval* |
To qualify for a SoFi Personal Loan, individuals must meet specific personal, financial, and residency criteria. Applications are generally evaluated based on the following:
Individuals must be at least the age of majority in their state and legally capable of entering into binding credit agreements.
Eligible applicants must be one of the following:
A valid, government-issued form of identification is required. (Examples include driver’s licenses, passports, permanent resident cards, or other acceptable documents as defined by SoFi.)
A stable source of income is required. This may include:
SoFi reviews a range of financial factors to determine eligibility, including:
Individuals with active SoFi personal loans must have:
These conditions must be satisfied to be eligible for an additional personal loan.
SoFi offers a simple online prequalification check that allows individuals to explore estimated rates and loan terms.
Prequalification uses a soft credit inquiry, which does not impact a credit score. This allows users to explore potential loan terms with no risk to their credit profile.
During prequalification, applicants provide basic details such as:
This information helps SoFi generate personalized loan estimates.
Once the required information is submitted, SoFi displays estimated interest rates, available loan amounts, and repayment terms. These estimates are based on the initial credit review and the information provided.
Prequalification does not obligate anyone to accept a loan offer. It serves as an informational step, enabling applicants to review options before proceeding with a complete application.
Once prequalification is complete and a preferred offer is selected, applicants can proceed with the full application to finalize their loan request. The process is entirely online and includes the following steps:
Several key factors influence eligibility for a SoFi Personal Loan and the APR offered. These include:
A strong credit profile, responsible repayment behavior, low credit utilization, and consistent credit management can increase approval chances and lead to more competitive rates.
Verified employment, steady income, or an accepted job offer starting within 90 days demonstrates repayment capacity. Higher and more consistent income may contribute to more favorable loan terms.
Lower DTI indicates healthier financial capacity, which can improve eligibility and support access to better rate offers.
Patterns such as on-time payments, avoiding delinquency, managing revolving balances responsibly, and maintaining general financial stability are considered during underwriting.
The requested loan amount and chosen repayment term can influence approval and pricing. Higher loan amounts or longer terms may involve different underwriting considerations.
State-specific lending rules can affect eligibility, available loan terms, and minimum or maximum loan amounts. Some states also impose rate caps that may affect the qualifying criteria.
Loan Amounts: $5,000 to $100,000, depending on eligibility and state-specific minimums.
Annual Percentage Rates (APR): Fixed APRs range from 8.74% to 35.49%, including a 0.25% autopay discount and an optional 0.25% direct deposit discount for eligible members.
Loan Terms: Repayment periods from 24 to 84 months (2 to 7 years).
Fee Structure: SoFi personal loans are fee-free, including:
• $0 origination fees
• $0 prepayment penalties
• $0 late fees
Example: A $20,000 personal loan at 12.50% APR over 60 months may have:
• Estimated Monthly Payment: $449.22
• Total Amount Paid: $26,953
• Total Interest Paid: $6,953
Calculation based on standard amortization with a fixed-rate loan. Actual APR depends on credit profile and underwriting review.
Impact of Term Selection:
• 36-month term: Higher monthly payment, lower total interest.
• 84-month term: Lower monthly payment, higher total interest.
• Funding Time: Many applicants receive funds the same day the loan is approved and signed by 5:30 PM ET (processing times may vary).
• Direct Pay Option: An additional 0.25% rate discount may apply when 50% or more of the loan proceeds are used to pay off qualifying credit card balances.
• Use of Funds: Loans may be used for personal, family, or household purposes; they cannot be used for post-secondary education expenses.
• State Requirements: Minimum loan amounts and rate caps may vary by state.
✅ No origination, prepayment, or late fees
✅ High loan limits (up to $100,000)
✅ Soft credit check for rate preview
✅ Option to apply with a co-borrower
✅ Rate discounts for autopay or SoFi membership
❌ Requires good to excellent credit (typically 650+)
❌ Minimum loan amount of $5,000
❌ Cannot be used for post-secondary education expenses
❌ No physical branch locations
Looking for loans like SoFi? These alternatives provide personal loan options with varying terms and features.
Loan Amount: $1,000- $50,000
Repayment Terms: 24 to 84 months
Loan Amount: $250- $2,000
Repayment Terms: 6 to 12 months
Loan Amount: $1,000- $50,000
Repayment Terms: 36 to 60 months
| Allowed Uses | Restricted Uses |
|---|---|
Debt Consolidation | Post-secondary education expenses |
Home Improvements & Renovations | Real estate purchase or down payments |
Medical & Dental Expenses | Business or commercial purposes |
Major Purchases | Investing or securities trading |
Moving & Relocation Costs | Illegal activities or unlawful purposes |
Auto Repairs or Maintenance | Gambling-related expenses |
Travel & Vacations | Cryptocurrency purchases |
Wedding or Event Costs | Short-term bridge financing |
Members can schedule complimentary sessions with SoFi financial planners for help with budgeting, debt strategies, saving, and long-term planning.
Access to an extensive library of financial articles, tools, and guides to support everyday money management and decision-making.
Members receive 20% off wills, trusts, and guardianship documents through SoFi’s partner, Trust & Will.
SoFi Travel offers discounted hotel rates and additional rewards for members who book flights, hotels, and rental cars through the app.
Eligible members enjoy select SoFi Stadium benefits and exclusive access to live events and experiences through SoFi Plus.
The SoFi app includes budgeting tools, spending insights, and weekly credit score monitoring at no additional cost.
Individuals facing financial difficulty, including unemployment, can contact SoFi Support to review available hardship options, which are evaluated on a case-by-case basis.
The state’s serviced may change without prior notice; visit the lender’s website for up-to-date information.
| Alabama | Georgia | Maryland | New Jersey | South Carolina |
| Alaska | Hawaii | Massachusetts | New Mexico | South Dakota |
| Arizona | Idaho | Michigan | New York | Tennessee |
| Arkansas | Illinois | Minnesota | North Carolina | Texas |
| California | Indiana | Mississippi | North Dakota | Utah |
| Colorado | Iowa | Missouri | Ohio | Vermont |
| Connecticut | Kansas | Montana | Oklahoma | Virginia |
| Delaware | Kentucky | Nebraska | Oregon | Washington |
| District of Columbia | Louisiana | Nevada | Pennsylvania | Wisconsin |
| Florida | Maine | New Hampshire | Rhode Island | Wyoming |
| West Virginia |
SoFi provides support through multiple dedicated channels:
• Phone: (855) 456-7634
📞 Phone Support Hours:
• Monday – Thursday: 5:00 AM – 7:00 PM PT
• Friday – Sunday: 5:00 AM – 5:00 PM PT
📧 Email: info@sofi.com
💻 Live Chat: Available 24/7 via the SoFi website and mobile app
(Human agents available during standard business hours)
📬 Mailing Address: SoFi, 234 1st Street San Francisco, CA 94105
| Platform | Rating | Highlights |
|---|---|---|
Trustpilot | 4.2 / 5 | 10,000+ reviews; praised for fast funding and user-friendly experience. |
BBB | A+ (not accredited) | High rating despite lack of accreditation; some complaints on servicing. |
WalletHub | 2.3 / 5 | 677 reviews; mixed feedback on support and application outcomes. |
NerdWallet | 4.8 / 5 | Strong marks for rates, no fees, and digital-first experience. |
*Ratings as of November 2025; may change over time.
Overall, SoFi is well-regarded for its fast application process, competitive rates, and user-friendly digital platform. While many borrowers praise the smooth experience and quick funding, some report delays with customer support and document verification. Even so, SoFi maintains a strong reputation, particularly among applicants with solid credit profiles.
✅ Positive Experiences
Smooth and fast loan process: Many reviewers mention how seamless the application and approval experience is.
“The whole process was quick and easy, and was approved faster than I expected.”
User-friendly digital experience: Borrowers appreciate the clean app design and real-time loan tracking.
“The app is very easy to use and keeps everything organized. I could track my loan status in real time.”
Same-day or next-day funding: Many highlight fast disbursement after approval.
“I applied in the morning and the money was in my account later that day.”
Competitive rates for strong credit: Users with solid credit profiles report receiving favorable terms.
“SoFi gave me the best rate compared to every lender I checked.”
Transparent terms and no fees: Reviewers value the clarity and fee-free structure.
“No origination fees, no surprises. Everything was upfront and clearly explained.”
Helpful support during the loan process: Several users mention positive interactions with representatives.
“The rep walked me through everything and made it simple.”
❌ Common Complaints
Customer service responsiveness: Some borrowers struggle to resolve complex issues quickly.
“SoFi’s customer service is just bad… for more complex issues, forget about it. You’ll end up calling back multiple times.”
Payoff or interest discrepancies: A few borrowers mention issues with accurate payoff amounts.
“When I paid off my loan early, the payoff number kept changing.”
Denials despite strong credit profiles: Some reviewers express frustration with unclear underwriting decisions.
“Excellent credit and solid income, but still got denied with no clear reason.”
Direct Pay concerns or delays: Users report occasional delays when SoFi pays creditors directly.
“It took longer than expected for SoFi to pay my credit cards, which is confusing.”
Document verification delays: Several reviewers mention repeated document requests and slow processing.
“They kept asking for the same documents over and over. Took a week to sort out.”
Limited access to live support: Many find it difficult to reach a human representative during peak times.
“The chatbot couldn’t help with my issue, and it took days to reach someone who could.”
Most frequent questions and answers on SoFi Personal Loans
Yes. SoFi is a direct lender, meaning it underwrites, funds, and services the loan itself. Third-party lenders are only involved in rare cases where SoFi is unable to originate the loan directly. This structure helps streamline the process and provides a more consistent experience.
You can borrow between $5,000 and $100,000, subject to eligibility and state-specific regulations.
No. SoFi uses a soft credit check for rate estimates, which does not affect your credit score.
SoFi doesn’t list a minimum credit score, but most approved applicants have good to excellent credit. A score of 650+ generally improves your chances, though income, employment stability, and overall financial health also play a significant role.
Funds may be disbursed on the same day or by the next business day after signing your loan agreement, depending on the bank’s processing times.
No. SoFi charges no origination fees, prepayment penalties, or late fees.
Yes. SoFi supports debt consolidation, and you may qualify for Direct Pay, allowing SoFi to pay your creditors directly.
Yes. SoFi accepts joint applications, which may help improve your eligibility or rate.
Yes. If you’re experiencing financial hardship, you can contact SoFi Support to explore available payment assistance options.
Yes. The SoFi mobile app is available for both iOS and Android devices. You can track your loan, make payments, monitor your credit score, check new offers, and access other SoFi products.
LendingPoint Personal Loan Disclosure
* Applications submitted on this website may be funded by one of several lenders, including: FinWise Bank, a Utah-chartered bank, Member FDIC; Coastal Community Bank, Member FDIC; Midland States Bank, Member FDIC; and LendingPoint, a licensed lender in certain states. Loan approval is not guaranteed. Actual loan offers and loan amounts, terms and annual percentage rates (“APR”) may vary based upon LendingPoint’s proprietary scoring and underwriting system’s review of your credit, financial condition, other factors, and supporting documents or information you provide. Origination or other fees up to 10% may apply depending upon your state of residence. Upon final underwriting approval to fund a loan, said funds are often sent via ACH the next non-holiday business day. Loans are offered from $1,000 to $36,500, at rates ranging from 7.99% to 35.99% APR, with terms from 24 to 72 months. Minimum loan amounts apply in Georgia, $3,500; Colorado, $3,001; and Hawaii, $2,000. For a well-qualified customer, a requested loan of $10,000 serviced by LendingPoint over a period of 48 months that has an APR of 26.59% with an origination fee of 10% may have a payment of $340.52 per month. (Actual terms and rate depend on credit history, income, and other factors.) The total amount due under the loan terms provided is $16,345.12 and the disbursal amount is $10,000. In the example provided, the total financed amount is increased to receive the full requested loan amount after the origination fee is deducted. The total amount due is the total amount of the loan you will have paid after you have made all payments as scheduled.
SoFi Personal Loan Disclosure
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 11/12/25 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%-7%, 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 8.74% APR to 35.49% 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 required; specifically, no origination fees required, 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.
Universal Credit Personal Loan Disclosure
Upstart Personal Loan Disclosure
Your loan amount will be determined based on your credit, income, and certain other information provided in your loan application. Not all applicants will qualify for the full amount. Minimum loan amounts vary by state: GA ($3,100), HI ($2,100), MA ($7,000).
Although educational information is collected as part of Upstart’s rate check process, neither Upstart nor its bank partners have a minimum educational attainment requirement in order to be eligible for a loan.
If you accept your loan by 5pm EST (not including weekends or holidays), you will receive your funds the next business day. When the funds will be available to you will depend on your bank’s transaction processing time and policies.
The full range of available rates varies by state. A representative example of payment terms for an unsecured Personal Loan is as follows: a borrower receives a loan of $10,000 for a term of 60 months, with an interest rate of 20.10% and a 8.53% origination fee of $853, for an APR of 24.65%. In this example, the borrower will receive $9,147 and will make 60 monthly payments of $267. APR is calculated based on 5-year rates offered in June 2025. There is no downpayment and no prepayment penalty. Your APR will be determined based on your credit, income, and certain other information provided in your loan application. Not all applicants will be approved.
Upgrade Personal Loan Disclosure
Personal loans made through Upgrade feature Annual Percentage Rates (APRs) of 7.74%-35.99%. All personal loans have a 1.85% to 9.99% origination fee, which is deducted from the loan proceeds. Lowest rates require Autopay and paying off a portion of existing debt directly. Loans feature repayment terms of 24 to 84 months. For example, if you receive a $10,000 loan with a 36-month term and a 17.59% APR (which includes a 13.94% yearly interest rate and a 5% one-time origination fee), you would receive $9,500 in your account and would have a required monthly payment of $341.48. Over the life of the loan, your payments would total $12,293.46. The APR on your loan may be higher or lower and your loan offers may not have multiple term lengths available. Actual rate depends on credit score, credit usage history, loan term, and other factors. Late payments or subsequent charges and fees may increase the cost of your fixed rate loan. There is no fee or penalty for repaying a loan early. Personal loans issued by Upgrade’s bank partners.
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