Discover Personal Loans vs. SoFi Student Loan Refinance

Side-by-side comparison · Updated 2026 · Independently reviewed

Discover Bank logo
Discover Personal Loans
Discover Bank
4.4

APR 7.99–24.99%. $2.5K–$40K. No origination fee.

Full review →
SoFi logo
SoFi Student Loan Refinance
SoFi
4.6

APR 4.99–14.70%. Up to $500K. No fees.

Full review →
WealthSpott Verdict

SoFi Student Loan Refinance 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%
4.99% – 14.70% Best
Loan Amount
$2,500 – $40,000
$5,000 – $500,000 Best
Term Length
36–84 months
60–240 months
Origination Fee
None
None
Min Credit Score
660+
650+ Best
Funding Speed
Next business day
2–3 weeks
Discover Personal Loans
Full review
SoFi Student Loan Refinance
Pros
  • No fees
  • No fees
  • Unemployment protection
  • Unemployment protection
  • Competitive rates
  • Competitive rates
Cons
  • Must have degree
  • Must have degree
  • Good credit required
  • Good credit required
Full review

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