SoFi Student Loan Refinance vs. SoFi Home Improvement Loan

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 →
SoFi logo
SoFi Home Improvement Loan
SoFi
4.5

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

Full review →
WealthSpott Verdict

SoFi Student Loan Refinance 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 Student Loan
SoFi Home Improvement
APR Range
4.99% – 14.70% Best
8.99% – 25.81%
Loan Amount
$5,000 – $500,000 Best
$5,000 – $100,000
Term Length
60–240 months
24–84 months
Origination Fee
None
None
Min Credit Score
650+ Best
680+
Funding Speed
2–3 weeks
Same day to a few days
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
SoFi Home Improvement Loan
Full review

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