Upstart Personal Loan vs. SoFi Student Loan Refinance
Side-by-side comparison · Updated 2026 · Independently reviewed
WealthSpott Verdict
SoFi Student Loan Refinance wins on more measurable categories — particularly on rate and cost. Upstart Personal Loan may still be the right fit depending on your loan amount and term needs.
Feature
Upstart Personal Loan
SoFi Student Loan
APR Range
6.40% – 35.99%
4.99% – 14.70% Best
Loan Amount
$1,000 – $50,000
$5,000 – $500,000 Best
Term Length
36–60 months
60–240 months
Origination Fee
0–12% of loan amount
None Best
Min Credit Score
300+ Best
650+
Funding Speed
1 business day
2–3 weeks
Upstart Personal Loan
Pros
- Considers education and job history
- Considers education and job history
- May approve fair credit
- May approve fair credit
- Fast 1-day funding
- Fast 1-day funding
Cons
- APR can be high for some
- APR can be high for some
- Origination fee possible
- Origination fee possible
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
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