If so, you are in the right place! Get started by entering your personal confirmation number below.
Received an offer from us?
If so, you are in the right place! Get started by entering your personal confirmation number below.
Leaving SoFi Website
You are now leaving the SoFi website and entering a third-party website. SoFi has no control over the content, products or services offered nor the security or privacy of information transmitted to others via their website. We recommend that you review the privacy policy of the site you are entering. SoFi does not guarantee or endorse the products, information or recommendations provided in any third party website.
*Offer ends 8/31/26. Five-year hold period required. “Eligible Deposit” excludes Internal transfers between SoFi Invest accounts, Automated Customer Account Transfers (ACATs), securities transfers, interest, dividends, fee reversals, promotional credits, and other non-cash credits. See full terms and conditions.
INTRODUCING
SoFi Small Business Loans- fast and built for growth.
*NO PURCHASE NECESSARY. A PURCHASE WILL NOT INCREASE YOUR CHANCES OF WINNING. Open only to legal residents of the 50 US/DC, 18+. Void where prohibited by law. Sweepstakes ends at 11:59 p.m. ET on 9/15/26. Subject to Official Rules, including free entry method, prizes, limits, and odds: click here - Coach Sweepstakes Disclaimers . Sponsor: Social Finance, LLC (“SoFi”) 234 1st Street, San Francisco, CA 94105.
SOFI INVEST® SELF-DIRECTED ACCOUNT
Now organize your investing with multiple accounts.
*Offer valid from 7/20/26 through 8/27/26 for New SoFi Crypto Members Only. Rewards are randomly assigned in amounts of $2, $5, $10, $25, $100, or $1000. Higher-value rewards are less likely; most recipients receive $2 in digital asset award. Odds vary based on eligible participants and reward allocation. If you do not make a coin selection in 30 days, you'll no longer qualify for the promo. See full terms and conditions.
*Offer ends 8/31/26. Five-year hold period required. “Eligible Deposit” excludes Internal transfers between SoFi Invest accounts, Automated Customer Account Transfers (ACATs), securities transfers, interest, dividends, fee reversals, promotional credits, and other non-cash credits. See full terms and conditions.
INTRODUCING
SoFi Small Business Loans- fast and built for growth.
*NO PURCHASE NECESSARY. A PURCHASE WILL NOT INCREASE YOUR CHANCES OF WINNING. Open only to legal residents of the 50 US/DC, 18+. Void where prohibited by law. Sweepstakes ends at 11:59 p.m. ET on 9/15/26. Subject to Official Rules, including free entry method, prizes, limits, and odds: click here - Coach Sweepstakes Disclaimers . Sponsor: Social Finance, LLC (“SoFi”) 234 1st Street, San Francisco, CA 94105.
SOFI INVEST® SELF-DIRECTED ACCOUNT
Now organize your investing with multiple accounts.
*Offer valid from 7/20/26 through 8/27/26 for New SoFi Crypto Members Only. Rewards are randomly assigned in amounts of $2, $5, $10, $25, $100, or $1000. Higher-value rewards are less likely; most recipients receive $2 in digital asset award. Odds vary based on eligible participants and reward allocation. If you do not make a coin selection in 30 days, you'll no longer qualify for the promo. See full terms and conditions.
As natural disasters impact the United States, SoFi wishes for the safety of everyone in the affected areas. We are here to help borrowers who are in a disaster zone designated by FEMA. To find out more click here.
Why do 15.8M members love SoFi?
Smart money moves earn you points.
Rewards points are redeemable for cash, SoFi loan payments, and more.
Help when you need it.
Need help? Get in touch with our support team via phone or chat.
Complimentary member benefits.
SoFi members get benefits like access to financial planning and exclusive access to SoFi Stadium.
No-cost spending and budgeting tools.
Get complimentary credit score monitoring, spending breakdowns, financial insights, and more.
5 10-YEAR Payment Example: The payment for a 10-year term, loan amount $400000.00, Rate 5.750%, LTV 75% is $4391.00 for full Principal and Interest Payments with $5472.00 due at closing. The Annual Percentage Rate is 6.229%. No prepayment penalty. Payment shown does not include taxes and insurance. The actual payment amount will be greater. Interest rates and annual percentage rates (APRs) are for informational purposes only and are subject to change without notice.
6 15-YEAR Payment Example: The payment for a 15-year term, loan amount $400000.00, Rate 5.625%, LTV 75% is $3295.00 for full Principal and Interest Payments with $5832.00 due at closing. The Annual Percentage Rate is 5.976%. No prepayment penalty. Payment shown does not include taxes and insurance. The actual payment amount will be greater. Interest rates and annual percentage rates (APRs) are for informational purposes only and are subject to change without notice.
7 20-YEAR Payment Example: The payment for a 20-year term, loan amount $400000.00, Rate 5.990%, LTV 75% is $2863.00 for full Principal and Interest Payments with $6028.00 due at closing. The Annual Percentage Rate is 6.278%. No prepayment penalty. Payment shown does not include taxes and insurance. The actual payment amount will be greater. Interest rates and annual percentage rates (APRs) are for informational purposes only and are subject to change without notice.
8 30-YEAR Payment Example: The payment for a 30-year term, loan amount $400000.00, Rate 6.250%, LTV 75% is $2463.00 for full Principal and Interest Payments with $7188.00 due at closing. The Annual Percentage Rate is 6.499%. No prepayment penalty. Payment shown does not include taxes and insurance. The actual payment amount will be greater. Interest rates and annual percentage rates (APRs) are for informational purposes only and are subject to change without notice.
Personal Loan Terms
Fixed rates from 6.99% 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 8/24/26 and are subject to change without notice. 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.
SoFi Plus Discount: SoFi Plus members are eligible for an interest rate reduction of 0.25% on a Personal Loan. To be eligible for the discount, you must meet the SoFi Plus eligibility criteria within 31 days of the funding of your loan. For complete SoFi Plus eligibility, please see the SoFi Plus terms. When you enroll in SoFi Plus, the discount will lower the interest rate that applies to your loan only during periods in which you are enrolled in SoFi Plus. The discount will be removed during periods in which SoFi determines you are not enrolled in SoFi Plus. Each time your loan is re-amortized, your monthly payment amount will change based upon the interest rate that was in place. SoFi reserves the right to change or terminate this offer for unenrolled participants at any time. You are not required to enroll in SoFi Plus to be eligible for Loan approval.
Privacy Preference Center
We use cookies, pixels, and other tracking technologies to collect and capture information you provide to us and information about your interaction with our site to enhance site navigation, personalize content, analyze your use of our sites and assist in our marketing efforts. We share this information with our social media, advertising, and analytics partners. The information collected might relate to you, your preferences, or your device. However, you can choose not to enable these cookies/tools.
You cannot opt-out of Strictly Necessary Cookies as they are deployed in order to ensure the proper functioning of our website (such as prompting the cookie banner and remembering your settings, to log into your account, to redirect you when you log out, etc.).
To opt out, toggle the button that appears to the right of each cookie category (it will be gray when opted out).
These cookies are necessary for the website to function and cannot be switched off in our systems. They are usually only set in response to actions made by you which amount to a request for services, such as setting your privacy preferences, logging in or filling in forms. You can set your browser to block or alert you about these cookies, but some parts of the site will not then work.
Optional Cookies
Performance Cookies
label
We use different tools so that we can measure and improve the performance of our site. We use these cookies to provide you with the best experience possible. In part, they help us know which pages are the most and least popular and see how visitors use and move around the site.
Targeting Cookies
label
Targeting cookies track users' actions and are used to identify users between different websites. Targeting cookies collect user information and use it to build a profile of users' interests and then show personalized ads for that specific user. Targeting cookies help to attract customers with targeted ads. The information the cookies gather about you can be shared with other advertisers to measure the performance of their advertisements and may be used to build a profile to deliver personalized ads.
When you opt out, we will not sell/ share your personal information with third parties to provide you with more relevant advertisements across other websites, platforms, and applications. For more information, visit https://www.sofi.com/online-privacy-policy/.
