SoFi Auto Loan vs. Sallie Mae Student Loan

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

SoFi logo
SoFi Auto Loan
SoFi
4.5

APR 5.99–17.99%. Purchase or refinance. No fees.

Full review →
Sallie Mae logo
Sallie Mae Student Loan
Sallie Mae
4.3

APR 4.50–15.37%. Multiple repayment options.

Full review →
WealthSpott Verdict

Sallie Mae Student 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
Sallie Mae Student
APR Range
5.99% – 17.99%
4.50% – 15.37% Best
Loan Amount
$5,000 – $100,000 Best
From $1,000
Term Length
24–84 months
60–180 months
Origination Fee
None
None
Min Credit Score
680+
660+ Best
Funding Speed
A few days
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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
Full review
Sallie Mae Student Loan
Full review

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