SoFi Auto Loan vs. SoFi 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 →
SoFi logo
SoFi Student Loan
SoFi
4.5

APR 4.49–14.70%. No fees. Member benefits included.

Full review →
WealthSpott Verdict

SoFi 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
SoFi Student Loan
APR Range
5.99% – 17.99%
4.49% – 14.70% 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+
650+ Best
Funding Speed
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 Student Loan
Pros
  • Competitive rates
  • Competitive rates
  • No fees
  • No fees
  • Member benefits
  • Member benefits
Cons
  • Requires cosigner for most
  • Requires cosigner for most
  • Good credit needed
  • Good credit needed
Full review

Not sure which loan is right for you?

Browse all loans