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How it works:

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1. Pre-qualify

Find the rate that you qualify for in 2 minutes with no commitment.

When you're ready, complete your online application with help from our SoFi loan consultants.

2. Complete your application

3. Get your money right

Sign your documents, and funds are deposited into your account.

Terms and Conditions Apply. SOFI RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS AND BENEFITS AT ANY TIME WITHOUT NOTICE. To qualify, a borrower must be a U.S. citizen or other eligible status and and meet SoFi's underwriting requirements. SoFi Personal Loans can be used for any lawful personal, family, or household purposes and may not be used for post-secondary education expenses. Loans originated by SoFi Lending Corp (dba SoFi) are subject to state restrictions and may not be available in all states, such as MS; see for details and state restrictions. The average of SoFi Personal Loans funded in 2020 was around $32k. Information current as of 3/17/2021. SoFi Lending Corp., licensed by the Department of Financial Protection and Innovation under the California Financing Law License No. 6054612. NMLS #1121636 ( 

To check the rates and terms you may qualify for, SoFi conducts a soft credit pull that will not affect your credit score. A hard credit pull, which may impact your credit score, is required if you apply for a SoFi product after being pre-qualified.

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