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SoFi Personal Loan
Borrow between $5,000 and $100,000 with low fixed APRs from 8.74% to 35.49%, no fees, and same-day funding for eligible borrowers. Flexible 2–7 year terms.
SoFi Personal Loan stands out for its combination of low fixed interest rates, fee transparency, and quick application process. Applicants can access loans between $5,000 and $100,000, making it suitable for significant expenses or debt consolidation.
Interest rates range from 8.74% APR up to 35.49%, depending on your credit profile. You can choose repayment terms from 2 to 7 years. Notably, there are no origination fees, no prepayment penalties, and no late fees, so your costs are predictable from start to finish.
Most borrowers can receive funds as soon as the same day they sign the loan agreement, allowing for fast debt relief or immediate access to cash when needed. The minimum credit requirements are not publicly stated, but eligibility depends on standard underwriting criteria including income and debt-to-income ratio.
How to Apply for SoFi Personal Loan
- Visit the SoFi application portal and start the online process.
- Prequalify in minutes using a soft credit check.
- Choose your preferred loan amount and term.
- Submit any additional required documents for verification.
- Review and sign your final loan agreement to receive funds.
Key Benefits
One of the biggest advantages is SoFi’s absence of fees—no origination, late, or prepayment penalties. This helps borrowers plan confidently without unexpected charges.
Speed is another highlight. Approval and funding can be completed the same day, which is ideal for urgent needs—especially debt payoff or medical bills.
Potential Drawbacks
The minimum loan amount of $5,000 may not suit those seeking smaller loans for minor expenses.
Rates can be higher for borrowers with less-than-excellent credit, so not all applicants will qualify for the lowest advertised rates.
Verdict
If you need a substantial personal loan quickly, value low, transparent costs, and want reliable customer service, SoFi personal loan is a strong contender. It’s most attractive for those consolidating high-interest debt or funding larger projects, provided you qualify for the favorable terms.
