PenFed Auto Loan vs. SoFi Student Loan Refinance
Side-by-side comparison · Updated 2026 · Independently reviewed
WealthSpott Verdict
SoFi Student Loan Refinance wins on more measurable categories — particularly on rate and cost. PenFed Auto Loan may still be the right fit depending on your loan amount and term needs.
Feature
PenFed Auto Loan
SoFi Student Loan
APR Range
5.99% – 17.99%
4.99% – 14.70% Best
Loan Amount
$500 – $150,000
$5,000 – $500,000 Best
Term Length
36–84 months
60–240 months
Origination Fee
None
None
Min Credit Score
650+
650+
Funding Speed
1–2 days
2–3 weeks
PenFed Auto Loan
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
Not sure which loan is right for you?
Browse all loans