SoFi Student Loan vs. SoFi Student Loan Refinance

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 Student Loan Refinance
SoFi
4.6

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

Full review →
WealthSpott Verdict

SoFi Student Loan and SoFi Student Loan Refinance are closely matched. The right choice depends on your credit profile, desired loan amount, and how quickly you need funding.

Feature
SoFi Student Loan
SoFi Student Loan
APR Range
4.49% – 14.70% Best
4.99% – 14.70%
Loan Amount
From $1,000
$5,000 – $500,000 Best
Term Length
60–180 months
60–240 months
Origination Fee
None
None
Min Credit Score
650+
650+
Funding Speed
—
2–3 weeks
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 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

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