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OFFICIAL PRODUCT TERMS

SoFi
Personal Loan Terms

Published terms from SoFi’s official pages, checked Nov 3, 2026. Your own rate and eligibility are set by the provider.

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SoFi Personal Loan

Published APR6.99% – 35.49%A range, not your rate
Loan amount$5,000 – $100,000May vary by state
Repayment term24 months – 84 monthsLonger terms cost more overall
Origination fee0.00% – 7.00%Usually taken from the loan

Conditions and limitations

Fixed rates from 6.99% APR to 35.49% APR reflect a 0.25% autopay discount and a 0.25% member rate discount. The APR includes an origination fee of 0% to 7%, which is deducted from the loan proceeds. Terms of 2 to 7 years. Loans are originated by SoFi Bank, N.A. Your rate depends on underwriting.

Eligibility

Minimum credit score
Not disclosed
Direct pay to creditors
Yes, with a 0.25% rate discount
Co-applicant
Co-borrower or joint application allowed
Autopay discount
0.25%
Late fee
Not disclosed
Prepayment penalty
Not disclosed
State availability
Not disclosed

From the provider’s official pages. Not disclosed means the pages we checked do not state it; ask the provider.

Sources and verification

Terms checked Nov 3, 2026Source status: reviewed

A successful source check does not renew the financial terms. This is a factual product summary, not an endorsement or personalized offer. No affiliate tracking link is used.