SoFi Student Loan Refinance vs. PenFed Student Loan Refinance

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

SoFi logo
SoFi Student Loan Refinance
SoFi
4.6

APR 4.99–14.70%. Up to $500K. No fees.

Full review →
PenFed logo
PenFed Student Loan Refinance
PenFed
4.3

APR 5.49–9.99%. Up to $300K. Credit union rates.

Full review →
WealthSpott Verdict

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

Feature
SoFi Student Loan
PenFed Student Loan
APR Range
4.99% – 14.70% Best
5.49% – 9.99%
Loan Amount
$5,000 – $500,000 Best
$7,500 – $300,000
Term Length
60–240 months
60–240 months
Origination Fee
None
None
Min Credit Score
650+ Best
670+
Funding Speed
2–3 weeks
3–4 weeks
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
Full review
PenFed Student Loan Refinance
Full review

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