SoFi Personal Loan vs. SoFi Home Improvement Loan
Side-by-side comparison · Updated 2026 · Independently reviewed
WealthSpott Verdict
SoFi Personal Loan and SoFi Home Improvement Loan are closely matched. The right choice depends on your credit profile, desired loan amount, and how quickly you need funding.
Feature
SoFi Personal Loan
SoFi Home Improvement
APR Range
8.99% – 25.81%
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
Same day
Same day to a few days
SoFi Personal Loan
Pros
- No origination or prepayment fees
- No origination or prepayment fees
- Unemployment protection available
- Unemployment protection available
- Fast online application
- Fast online application
Cons
- Good credit typically required
- Good credit typically required
- Not available in all states
- Not available in all states
SoFi Home Improvement Loan
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