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Personal Loans

Credit Card Consolidation

Home Improvements

Family Planning

Travel

Weddings

Personal Loans

Products

Member Benefits

Resources

About

Log in

View your rate

Personal Loans

Credit Card Consolidation

Home Improvements

Family Planning

Travel

Weddings

Low rates.

Low rates.

Low rates.

No fees required.

No fees required.

No fees required.

Personal loans

made easy online.

Personal loans

made easy online.

Personal loans

made easy online.

Get funds as soon as the same day you sign or we can pay off your credit card directly.

Get funds as soon as the same day you sign or we can pay off your credit card directly.

Get funds as soon as the same day you sign or we can pay off your credit card directly.

View your rate

View your rate

View your rate

Low monthly pay

Low monthly pay

Low monthly pay

Save big by consolidating high-rate debt to one fixed payment.

Save big by consolidating high-rate debt to one fixed payment.

Save big by consolidating high-rate debt to one fixed payment.

Get $5K to $100K

Get $5K to $100K

Get $5K to $100K

Get funds as soon as the same day you sign or we can pay off your credit card directly.

Get funds as soon as the same day you sign or we can pay off your credit card directly.

Get funds as soon as the same day you sign or we can pay off your credit card directly.

Direct pay

Direct pay

Direct pay

We'll pay your credit card lender so you don't have to.

We'll pay your credit card lender so you don't have to.

We'll pay your credit card lender so you don't have to.

Testimonials

Testimonials

We’ve helped members like these pay off over $33B in debt with a SoFi Personal Loan

We’ve helped members like these pay off over $33B in debt with a SoFi Personal Loan

We’ve helped members like these pay off over $33B in debt with a SoFi Personal Loan

The savings and experiences of members herein may not be representative of the experiences of all members. Savings are not guaranteed and will vary, based on your unique situation and other factors.

  • The process was the fastest and easiest out of any lenders out there and they gave me the most money. I wont even use the other lenders in the future. Sofi has my loyalty.

    John Doe

  • Getting a loan was very easy assuming you have a good credit score which we do. This is our second loan with them. Very competitive

    John Doe

  • This is a great lender, application is easy, response is fast, options to pay favorable, we have requested 2 loans and every time the experience have been outstanding.

    John Doe

  • My funds were put into my account when they said it would be and they paid some of my credit cards so I could get a lower interest rate. Great company

    John Doe

  • The process was the fastest and easiest out of any lenders out there and they gave me the most money. I wont even use the other lenders in the future. Sofi has my loyalty.

    John Doe

  • Getting a loan was very easy assuming you have a good credit score which we do. This is our second loan with them. Very competitive

    John Doe

  • This is a great lender, application is easy, response is fast, options to pay favorable, we have requested 2 loans and every time the experience have been outstanding.

    John Doe

  • My funds were put into my account when they said it would be and they paid some of my credit cards so I could get a lower interest rate. Great company

    John Doe

  • The process was the fastest and easiest out of any lenders out there and they gave me the most money. I wont even use the other lenders in the future. Sofi has my loyalty.

    John Doe

  • Getting a loan was very easy assuming you have a good credit score which we do. This is our second loan with them. Very competitive

    John Doe

  • This is a great lender, application is easy, response is fast, options to pay favorable, we have requested 2 loans and every time the experience have been outstanding.

    John Doe

  • My funds were put into my account when they said it would be and they paid some of my credit cards so I could get a lower interest rate. Great company

    John Doe

We're here when you need it

We're here when you need it

Personalized loan options for what you
need—and when you need them

Personalized loan options for what you need—and when you need them

Personalized loan options for what you
need—and when you need them

  • 1/5

    Credit Card Consolidation

    Combine your debt into one payment and you could reduce your monthly payments.

    Learn more

  • 2/5

    Home Improvements

    Pay for home repairs or renovations without using your home as collateral.

    Learn more

  • 3/5

    IVF Loans

    Pay for home repairs or renovations without using your home as collateral.

    Learn more

  • 4/5

    Travel and Vacation

    With low fixed rates, steady monthly payments, and no fees required, our personal loan travels well. Learn more.

    Learn more

  • 5/5

    Home Improvements

    From engagement ring to honeymoon—you could save money compared to a high-rate credit card.

    Learn more

  • 1/5

    Credit Card Consolidation

    Combine your debt into one payment and you could reduce your monthly payments.

    Learn more

  • 2/5

    Home Improvements

    Pay for home repairs or renovations without using your home as collateral.

    Learn more

  • 3/5

    IVF Loans

    Pay for home repairs or renovations without using your home as collateral.

    Learn more

  • 4/5

    Travel and Vacation

    With low fixed rates, steady monthly payments, and no fees required, our personal loan travels well. Learn more.

    Learn more

  • 5/5

    Home Improvements

    From engagement ring to honeymoon—you could save money compared to a high-rate credit card.

    Learn more

  • 1/5

    Credit Card Consolidation

    Combine your debt into one payment and you could reduce your monthly payments.

    Learn more

  • 2/5

    Home Improvements

    Pay for home repairs or renovations without using your home as collateral.

    Learn more

  • 3/5

    IVF Loans

    Pay for home repairs or renovations without using your home as collateral.

    Learn more

  • 4/5

    Travel and Vacation

    With low fixed rates, steady monthly payments, and no fees required, our personal loan travels well. Learn more.

    Learn more

  • 5/5

    Home Improvements

    From engagement ring to honeymoon—you could save money compared to a high-rate credit card.

    Learn more

  • 1/5

    Credit Card Consolidation

    Combine your debt into one payment and you could reduce your monthly payments.

    Learn more

  • 2/5

    Home Improvements

    Pay for home repairs or renovations without using your home as collateral.

    Learn more

  • 3/5

    IVF Loans

    Pay for home repairs or renovations without using your home as collateral.

    Learn more

  • 4/5

    Travel and Vacation

    With low fixed rates, steady monthly payments, and no fees required, our personal loan travels well. Learn more.

    Learn more

  • 5/5

    Home Improvements

    From engagement ring to honeymoon—you could save money compared to a high-rate credit card.

    Learn more

Why SoFi

Why SoFi

Why apply for a SoFi Personal Loan?

Why apply for a SoFi Personal Loan?

Why apply for a SoFi Personal Loan?

Low rates

Low rates

Low fixed rates that won't change over time, protecting you from rising interest rates.

No fees required

No fees required

That means no origination fees required, no prepayment penalty fees and no late fees whatsoever.

Same-day funding

Same-day funding

Your funds could be available as quickly as the same day your loan is approved.

$29,657

$11,841

Estimated interest

Savings with SoFi

$17,816

High-Interest

Rate Credit Car

$29,657

$11,841

Estimated interest

Savings with SoFi

$17,816

High-Interest

Rate Credit Car

$29,657

$11,841

Estimated interest

Savings with SoFi

$17,816

High-Interest

Rate Credit Car

Save with SoFi

Save with SoFi

Save thousands with a low, fixed-rate personal loan

Save thousands with a low, fixed-rate personal loan

Save thousands with a low, fixed-rate personal loan

With credit card rates on the rise, see how you could save thousands on interest by consolidating existing debt into a low fixed monthly payment.

With credit card rates on the rise, see how you could save thousands on interest by consolidating existing debt into a low fixed monthly payment.

With credit card rates on the rise, see how you could save thousands on interest by consolidating existing debt into a low fixed monthly payment.

View your rate

View your rate

View your rate

We'll help you you need it

We'll help you you need it

Easily apply for a personal loan online in 3 steps

Easily apply for a personal loan online in 3 steps

1.

1.

Prequalify

Prequalify

Find the rate that you qualify for in 60 seconds with no commitment.

Find the rate that you qualify for in 60 seconds with no commitment.

2.

2.

Choose your loan terms

Choose your loan terms

Choose from 2-7 year terms and finish your application online.

Choose from 2-7 year terms and finish your application online.

3.

3.

Receive your funds

Receive your funds

Sign your documents &funds will be wired to your account the same day

Sign your documents &funds will be wired to your account the same day

SoFi Learn

SoFi Learn

Resources on personal loans

Resources on personal loans

We have over 500 articles, budgeting tools, and guides—all with the goal of helping you Get Your Money Right®.

We have over 500 articles, budgeting tools, and guides—all with the goal of helping you Get Your Money Right®.

Learn more

Learn more

Learn more

How to Pay Off Credit Card Debt

Read more

How to Pay Off Credit Card Debt

Read more

How to Pay Off Credit Card Debt

Read more

Personal Loan Guide For Beginners

Read more

Personal Loan Guide For Beginners

Read more

Personal Loan Guide For Beginners

Read more

Paying Tax on Personal Loans

Read more

Paying Tax on Personal Loans

Read more

Paying Tax on Personal Loans

Read more

What can I use a personal loan for?

What can I use a personal loan for?

What can I use a personal loan for?

What is a personal loan?

What is a personal loan?

What is a personal loan?

Should I take out a personal loan to pay off my credit cards?

Should I take out a personal loan to pay off my credit cards?

Should I take out a personal loan to pay off my credit cards?

How can I calculate my expected monthly payments for a personal loan?

How can I calculate my expected monthly payments for a personal loan?

How can I calculate my expected monthly payments for a personal loan?

Do personal loans require down payments?

Do personal loans require down payments?

Do personal loans require down payments?

What credit score is needed for a personal loan?

What credit score is needed for a personal loan?

What credit score is needed for a personal loan?

Are SoFi Personal Loans fixed interest rate or variable interest rate loans?

Are SoFi Personal Loans fixed interest rate or variable interest rate loans?

Are SoFi Personal Loans fixed interest rate or variable interest rate loans?

Is the SoFi Personal Loan secured or unsecured?

Is the SoFi Personal Loan secured or unsecured?

Is the SoFi Personal Loan secured or unsecured?

How much money can I get a personal loan for?

How much money can I get a personal loan for?

How much money can I get a personal loan for?

Will applying for a personal loan affect my credit?

Will applying for a personal loan affect my credit?

Will applying for a personal loan affect my credit?

How long do I need to wait to reapply after my Personal Loan application has been declined?

How long do I need to wait to reapply after my Personal Loan application has been declined?

How long do I need to wait to reapply after my Personal Loan application has been declined?

View your rate

View your rate

View your rate

in 60 seconds

in 60 seconds

in 60 seconds

View your rate now

View your rate now

View your rate now