SoFi Student Loan Refinance
Editor's ChoiceSoFi
4.6
4.99%–14.70% APR$5,000–$500,000Fee: NoneMin credit: 650+
APR Range
4.99%–14.70%
Loan Amount
$5,000–$500,000
Term
60–240 mo
Origination Fee
None
Our take
SoFi leads the student loan refinance market with zero fees, unemployment protection, and generous loan limits up to $500K.
Pros and cons
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
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Full details
| Minimum loan amount | $5,000 |
| Maximum loan amount | $500,000 |
| Lowest APR | 4.99% |
| Highest APR | 14.70% |
| Shortest term | 60 months |
| Longest term | 240 months |
| Origination fee | None |
| Minimum credit score | 650+ |
| Funding speed | 2–3 weeks |
Frequently asked questions
What is the APR range for SoFi Student Loan Refinance?
SoFi Student Loan Refinance offers APR from 4.99% to 14.70%. Your actual rate depends on creditworthiness, loan amount, and term length.
How much can I borrow with SoFi Student Loan Refinance?
Loan amounts range from $5,000 to $500,000. The amount you qualify for depends on your income, credit score, and existing debt.
What credit score do I need for SoFi Student Loan Refinance?
A minimum credit score of 650 is typically required. However, meeting the minimum doesn't guarantee approval — lenders also consider income, debt-to-income ratio, and employment history.
Does SoFi Student Loan Refinance charge an origination fee?
No, SoFi Student Loan Refinance 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 Student Loan Refinance?
SoFi Student Loan Refinance typically funds loans within 2–3 weeks. Actual funding time may vary based on verification requirements and your bank.
Is SoFi Student Loan Refinance worth it?
SoFi leads the student loan refinance market with zero fees, unemployment protection, and generous loan limits up to $500K.
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Verified Apr 2026
SoFi Student Loan Refinance