Loans/personal/SoFi Personal Loan
Personal Loan
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SoFi Personal Loan

SoFi

4.8
(28,500 reviews)

11 Free Calculators

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Loan Details at a Glance

APR Range

8.99% - 29.99%

Loan Amount

$5K - $100K

Loan Terms

2 - 7 years

Min. Credit Score

680

Overview

SoFi offers personal loans with no fees and unique member benefits including career coaching and financial planning.

Best for: Borrowers with good credit who want no fees and extra perks

Pros & Cons

Pros

  • No origination fees
  • No late fees
  • Free financial planning
  • Soft credit check for prequalification

Cons

  • Good to excellent credit required
  • No co-signer option
  • Not available in all states

Key Features

  • No fees whatsoever
  • Unemployment protection
  • Career coaching included
  • Member benefits and events
  • Rate discount with autopay

Common Uses

Debt consolidation
Home improvement
Major purchase
Medical expenses

Frequently Asked Questions

Ready to Apply?

Soft credit check
No impact on credit score
1-7 business days

Checking rates won't affect your credit score

Loan Terms

Origination Fee:0%
Prepayment Penalty:None
Funding Speed:1-7 business days