SoFi Student Loan Refinance vs. Wells Fargo Home Improvement Loan
Side-by-side comparison · Updated 2026 · Independently reviewed
Wells Fargo Home Improvement Loan
Wells Fargo
4.0
APR 9.49–24.99%. Up to $100K. Major bank support.
Full review →WealthSpott Verdict
SoFi Student Loan Refinance wins on more measurable categories — particularly on rate and cost. Wells Fargo Home Improvement Loan may still be the right fit depending on your loan amount and term needs.
Feature
SoFi Student Loan
Wells Fargo Home
APR Range
4.99% – 14.70% Best
9.49% – 24.99%
Loan Amount
$5,000 – $500,000 Best
$3,000 – $100,000
Term Length
60–240 months
12–84 months
Origination Fee
None
None
Min Credit Score
650+ Best
660+
Funding Speed
2–3 weeks
1–3 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
Wells Fargo Home Improvement Loan
Not sure which loan is right for you?
Browse all loans