Discover Personal Loans vs. SoFi Student Loan
Side-by-side comparison · Updated 2026 · Independently reviewed
Discover Personal Loans
Discover Bank
4.4
APR 7.99–24.99%. $2.5K–$40K. No origination fee.
Full review →
WealthSpott Verdict
SoFi Student Loan wins on more measurable categories — particularly on rate and cost. Discover Personal Loans may still be the right fit depending on your loan amount and term needs.
Feature
Discover Personal Loans
SoFi Student Loan
APR Range
7.99% – 24.99%
4.49% – 14.70% Best
Loan Amount
$2,500 – $40,000 Best
From $1,000
Term Length
36–84 months
60–180 months
Origination Fee
None
None
Min Credit Score
660+
650+ Best
Funding Speed
Next business day
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Discover Personal Loans
SoFi Student Loan
Pros
- Competitive rates
- Competitive rates
- No fees
- No fees
- Member benefits
- Member benefits
Cons
- Requires cosigner for most
- Requires cosigner for most
- Good credit needed
- Good credit needed
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