PenFed Auto Loan vs. SoFi Student Loan

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

PenFed logo
PenFed Auto Loan
PenFed
4.4

APR 5.99–17.99%. $500–$150K. Credit union rates.

Full review →
SoFi logo
SoFi Student Loan
SoFi
4.5

APR 4.49–14.70%. No fees. Member benefits included.

Full review →
WealthSpott Verdict

PenFed Auto Loan and SoFi Student Loan are closely matched. The right choice depends on your credit profile, desired loan amount, and how quickly you need funding.

Feature
PenFed Auto Loan
SoFi Student Loan
APR Range
5.99% – 17.99%
4.49% – 14.70% Best
Loan Amount
$500 – $150,000 Best
From $1,000
Term Length
36–84 months
60–180 months
Origination Fee
None
None
Min Credit Score
650+
650+
Funding Speed
1–2 days
—
PenFed Auto Loan
Full review
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
Full review

Not sure which loan is right for you?

Browse all loans