SoFi Auto Loan vs. PenFed Auto Loan
Side-by-side comparison · Updated 2026 · Independently reviewed
WealthSpott Verdict
PenFed Auto Loan wins on more measurable categories — particularly on rate and cost. SoFi Auto Loan may still be the right fit depending on your loan amount and term needs.
Feature
SoFi Auto Loan
PenFed Auto Loan
APR Range
5.99% – 17.99%
5.99% – 17.99%
Loan Amount
$5,000 – $100,000
$500 – $150,000 Best
Term Length
24–84 months
36–84 months
Origination Fee
None
None
Min Credit Score
680+
650+ Best
Funding Speed
A few days
1–2 days
SoFi Auto Loan
Pros
- Purchase and refinance available
- Purchase and refinance available
- No fees
- No fees
- Member benefits
- Member benefits
Cons
- Good credit needed
- Good credit needed
- Online only
- Online only
PenFed Auto Loan
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