SoFi Personal Loans stand out in 2026 for Romanian customers seeking flexibility, transparency, and speed. With fixed rates from 7.29% to 35.49% APR, borrowers can access loan amounts from 24,500 RON to 490,000 RON and terms ranging from two to seven years. The loan is unsecured, so no collateral is required, and there are no fees for origination, prepayment, or late payments—enhancing financial peace of mind.

How to Apply for a SoFi Personal Loan

1. Prequalify online without impacting your credit score.
2. Choose your desired amount and select a repayment term from available options.
3. Complete a short online application and upload required documents.
4. Sign the agreement electronically.
5. Expect funding as soon as the same day you’re approved.

Top Advantages

One of SoFi’s main benefits is its competitive fixed interest rates, providing security against fluctuations. Additionally, the online platform streamlines the process, making approval and funding exceptionally fast.

Borrowers do not pay extra fees throughout the loan’s life, making SoFi an attractive option for debt consolidation or covering large expenses.

Key Disadvantages

Eligibility is restricted to those who meet SoFi’s strict underwriting criteria, potentially excluding those with average or poor credit scores.

While most receive funding quickly, the process can be delayed if additional documents or bank verifications are needed.

Verdict

SoFi Personal Loans are ideal for those prioritizing quick access to substantial funds without hidden fees. Strong credit applicants will benefit most from the lower rates and user-friendly terms. If you value a hassle-free experience and fast results, this is an appealing choice for meeting your financial needs in 2026.