SoFi Personal Loan vs. SoFi Student Loan Refinance
Side-by-side comparison · Updated 2026 · Independently reviewed
WealthSpott Verdict
SoFi Student Loan Refinance wins on more measurable categories — particularly on rate and cost. SoFi Personal Loan may still be the right fit depending on your loan amount and term needs.
Feature
SoFi Personal Loan
SoFi Student Loan
APR Range
8.99% – 25.81%
4.99% – 14.70% Best
Loan Amount
$5,000 – $100,000
$5,000 – $500,000 Best
Term Length
24–84 months
60–240 months
Origination Fee
None
None
Min Credit Score
680+
650+ Best
Funding Speed
Same day
2–3 weeks
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 Student Loan Refinance
Pros
- No fees
- No fees
- Unemployment protection
- Unemployment protection
- Competitive rates
- Competitive rates
Cons
- Must have degree
- Must have degree
- Good credit required
- Good credit required
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