Rated 4.81 out of 5 stars, 170 reviews

SoFi personal loans

SoFi is a top online lender offering large personal loans and low interest rates for borrowers with good credit.

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All ratings (300-800+)

6 partner offers

Lowest est. monthly payment
SoFi logo.
Est. APR8.99 - 29.99%
Term24 mo
Monthly payment$760
  • Personal Loans with low fixed rates
  • Borrow up to $100,000
  • No Origination Fees Required, No Prepayment Penalties, and No Late or Overdraft Fees
  • Simple online application with live support 7 days a week
  • Apply Now
SoFi logo.
Est. APR8.99 - 29.99%
Term72 mo
Monthly payment$355
  • Personal Loans with low fixed rates
  • Borrow up to $100,000
  • No Origination Fees Required, No Prepayment Penalties, and No Late or Overdraft Fees
  • Simple online application with live support 7 days a week
  • Apply Now
SoFi logo.
Est. APR8.99 - 29.99%
Term60 mo
Monthly payment$393
  • Personal Loans with low fixed rates
  • Borrow up to $100,000
  • No Origination Fees Required, No Prepayment Penalties, and No Late or Overdraft Fees
  • Simple online application with live support 7 days a week
  • Apply Now
SoFi logo.
Est. APR8.99 - 29.99%
Term48 mo
Monthly payment$452
  • Personal Loans with low fixed rates
  • Borrow up to $100,000
  • No Origination Fees Required, No Prepayment Penalties, and No Late or Overdraft Fees
  • Simple online application with live support 7 days a week
  • Apply Now
SoFi logo.
Est. APR8.99 - 29.99%
Term36 mo
Monthly payment$554
  • Personal Loans with low fixed rates
  • Borrow up to $100,000
  • No Origination Fees Required, No Prepayment Penalties, and No Late or Overdraft Fees
  • Simple online application with live support 7 days a week
  • Apply Now
SoFi logo.
Est. APR8.99 - 29.99%
Term84 mo
Monthly payment$329
  • Personal Loans with low fixed rates
  • Borrow up to $100,000
  • No Origination Fees Required, No Prepayment Penalties, and No Late or Overdraft Fees
  • Simple online application with live support 7 days a week
  • Apply Now

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Fixed rates from 8.99% APR to 29.99% 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 02/06/2024 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. Autopay: The SoFi 0.25% autopay interest rate reduction requires you to agree to make monthly principal and interest payments by an automatic monthly deduction from a savings or checking account. The benefit will discontinue and be lost for periods in which you do not pay by automatic deduction from a savings or checking account. Autopay is not required to receive a loan from SoFi.

Direct Deposit Discount: To be eligible to potentially receive an additional (0.25%) interest rate reduction for setting up direct deposit with a SoFi Checking and Savings account offered by SoFi Bank, N.A. or eligible cash management account offered by SoFi Securities, LLC (“Direct Deposit Account”), you must have an open Direct Deposit Account within 30 days of the funding of your Loan. Once eligible, you will receive this discount during periods in which you have enabled payroll direct deposits of at least $1,000/month to a Direct Deposit Account in accordance with SoFi’s reasonable procedures and requirements to be determined at SoFi’s sole discretion. This discount will be lost during periods in which SoFi determines you have turned off direct deposits to your Direct Deposit Account. You are not required to enroll in direct deposits to receive a Loan.

Advertiser Disclosure: The offers that appear on this site are from third party companies ("our partners") from which Experian Consumer Services receives compensation. This compensation may impact how, where, and in what order the products appear on this site. The offers on the site do not represent all available financial services, companies, or products.

Credit scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any offer.

*For complete information, see the offer terms and conditions on the issuer or partner's website. Once you click apply you will be directed to the issuer or partner's website where you may review the terms and conditions of the offer before applying. We show a summary, not the full legal terms – and before applying you should understand the full terms of the offer as stated by the issuer or partner itself. While Experian Consumer Services uses reasonable efforts to present the most accurate information, all offer information is presented without warranty.

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