SoFi Personal Loan
Editor's ChoiceSoFi
4.6
8.99%–25.81% APR$5,000–$100,000Fee: NoneMin credit: 680+
APR Range
8.99%–25.81%
Loan Amount
$5,000–$100,000
Term
24–84 mo
Origination Fee
None
Our take
SoFi stands out with zero origination fees, unemployment protection, and same-day funding. A top pick for borrowers with good credit.
Pros and cons
Pros
- +No origination or prepayment fees
- +No origination or prepayment fees
- +Unemployment protection available
- +Unemployment protection available
- +Fast online application
- +Fast online application
Cons
- −Good credit typically required
- −Good credit typically required
- −Not available in all states
- −Not available in all states
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Full details
| Minimum loan amount | $5,000 |
| Maximum loan amount | $100,000 |
| Lowest APR | 8.99% |
| Highest APR | 25.81% |
| Shortest term | 24 months |
| Longest term | 84 months |
| Origination fee | None |
| Minimum credit score | 680+ |
| Funding speed | Same day |
Frequently asked questions
What is the APR range for SoFi Personal Loan?
SoFi Personal Loan offers APR from 8.99% to 25.81%. Your actual rate depends on creditworthiness, loan amount, and term length.
How much can I borrow with SoFi Personal Loan?
Loan amounts range from $5,000 to $100,000. The amount you qualify for depends on your income, credit score, and existing debt.
What credit score do I need for SoFi Personal Loan?
A minimum credit score of 680 is typically required. However, meeting the minimum doesn't guarantee approval — lenders also consider income, debt-to-income ratio, and employment history.
Does SoFi Personal Loan charge an origination fee?
No, SoFi Personal Loan does not charge an origination fee, which means 100% of your approved loan amount is disbursed to you.
How fast can I get funded with SoFi Personal Loan?
SoFi Personal Loan typically funds loans within Same day. Actual funding time may vary based on verification requirements and your bank.
Is SoFi Personal Loan worth it?
SoFi stands out with zero origination fees, unemployment protection, and same-day funding. A top pick for borrowers with good credit.
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Verified Apr 2026
SoFi Personal Loan