SoFi Auto Loan vs. SoFi Home Improvement 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 →
SoFi logo
SoFi Home Improvement Loan
SoFi
4.5

APR 8.99–25.81%. Up to $100K. No fees.

Full review →
WealthSpott Verdict

SoFi Auto Loan wins on more measurable categories — particularly on rate and cost. SoFi Home Improvement Loan may still be the right fit depending on your loan amount and term needs.

Feature
SoFi Auto Loan
SoFi Home Improvement
APR Range
5.99% – 17.99% Best
8.99% – 25.81%
Loan Amount
$5,000 – $100,000
$5,000 – $100,000
Term Length
24–84 months
24–84 months
Origination Fee
None
None
Min Credit Score
680+
680+
Funding Speed
A few days
Same day to a few 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
Full review
SoFi Home Improvement Loan
Full review

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