SoFi Student Loan vs. SoFi Home Improvement Loan

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

SoFi logo
SoFi Student Loan
SoFi
4.5

APR 4.49–14.70%. No fees. Member benefits included.

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 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
4.49% – 14.70% Best
8.99% – 25.81%
Loan Amount
From $1,000
$5,000 – $100,000 Best
Term Length
60–180 months
24–84 months
Origination Fee
None
None
Min Credit Score
650+ Best
680+
Funding Speed
—
Same day to a few days
SoFi Student Loan
Pros
  • Competitive rates
  • Competitive rates
  • No fees
  • No fees
  • Member benefits
  • Member benefits
Cons
  • Requires cosigner for most
  • Requires cosigner for most
  • Good credit needed
  • Good credit needed
Full review
SoFi Home Improvement Loan
Full review

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