Great news! You could be saving more with a low fixed rate personal loan.

Our low fixed rates won't change over time.

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Log in ›     PERSONAL LOANS     Personal Loan discounts add up in a hurry.     View your rate     Want to know how to get the best rate you qualify for on your next SoFi personal loan? We offer multiple discounts - they may not look like a lot on their own, but once you start adding them up, they turn into big savings. Consolidate those high-interest credit cards into one payment at a lower, fixed interest rate. You could borrow from $5K–$100K, receive your funds potentially as soon as the same day you sign*, and when you activate Direct Pay³, you'll receive a rate discount and we'll go ahead and pay off your credit cards for you. All of this with no fees required. And once you lock it in, your low fixed rate won't change every time the Fed meets. You'll know your fixed monthly payment for the life of your loan.     Let's get you started saving money.     View your rate     ✓ Checking your rate won't affect your credit score.†       Have questions? Contact us   Refer personal loans, earn $300   Download the SoFi app   SoFi is committed to fighting racism, standing in solidarity with all of our communities, providing space for open dialogue, as well as taking action as informed allies. * Same-Day Personal Loan Funding: Same Day Funding means that most borrowers receive funds the same day when loan is approved and the loan agreement is signed by 5:30 PM ET on a business day. SoFi does not guarantee this, and delays may occur outside of our control, such as if inaccurate information is submitted, the receiving bank declines the transfer. Your bank may have rules on when the funds become available. Does not include personal loans originated with a SoFi partner bank. ¹ Autopay: The SoFi 0.25% autopay interest rate reduction requires you to agree to make your scheduled monthly payments by an automatic monthly deduction (ACH) from a SoFi Checking and Savings. The benefit will discontinue and be lost for periods in which you do not pay by automatic deduction from a SoFi Checking and Savings account. Enrolling in autopay is not required to receive a loan from SoFi. ² Direct Deposit Discount: SoFi Plus members are eligible to receive an additional (0.25%) interest rate reduction on Personal Loans by setting up Direct Deposit into an eligible SoFi Checking and Savings account offered by SoFi Bank, N.A. (a "Direct Deposit Account"), or paying the SoFi Plus Subscription Fee. To be eligible to receive the interest rate reduction for setting up Direct Deposit, you must have an open and eligible Checking and Savings account within 30 days of the funding of your Loan. Once eligible, you will receive this discount during periods in which you have enabled Direct Deposit to an eligible Direct Deposit Account in accordance with SoFi's reasonable procedures and requirements to be determined at SoFi's sole discretion. Direct Deposit means a recurring deposit of regular income to an account holder's SoFi Checking or Savings account, including payroll, pension, or government benefit payments (e.g., Social Security), made by the account holder's employer, payroll or benefits provider or government agency ("Direct Deposit") via the Automated Clearing House ("ACH") Network during a 30-day Evaluation Period (as defined below). Deposits that are not from an employer or government agency, including but not limited to check deposits, peer-to-peer transfers (e.g., transfers from PayPal, Venmo, etc.), merchant transactions (e.g., transactions from PayPal, Stripe, Square, etc.), and bank ACH funds transfers and wire transfers from external accounts, or are non-recurring in nature (e.g., IRS tax refunds), do not constitute Direct Deposit activity. To be eligible to receive the interest rate reduction by paying the SoFi Plus Subscription Fee, you must pay the SoFi Plus Subscription Fee within 30 days of the funding of your Loan. Once eligible, you will receive this discount during periods in which SoFi successfully receives payment of the SoFi Plus Subscription Fee. This discount will be lost during periods in which SoFi determines you have turned off Direct Deposit to your Checking and Savings account or in which you have not paid the SoFi Plus Subscription Fee. You are not required to enroll in Direct Deposit to receive a loan. SoFi® Checking and Savings offered by SoFi Bank, N.A. ³ Terms and conditions apply. Offer good for personal loan customers with credit cards and personal loans in their name only and subject to lender approval. To receive the offer, you must: (1) register and/or apply through this landing page; (2) complete a loan application with SoFi within 90 days of your application submit date; (3) meet SoFi's underwriting criteria; (4) apply 50% or more of your loan proceeds directly to your lenders/creditors. Once conditions are met and the loan has been disbursed, the interest rate shown in the Final Disclosure Statement will include an additional 0.25% rate discount. SoFi reserves the right to change or terminate the Direct Pay Rate Discount Program to unenrolled participants at any time with or without notice. It takes about 3 business days for your creditor/lender to receive payment after your loan is signed. You will be responsible for making all required payments to avoid credit card and other loan fees. ^ † To check the rates and terms you may qualify for, SoFi conducts a soft credit pull that will not affect your credit score. However, if you choose a product and continue your application, we will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit pull and may affect your credit. 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, be residing in the U.S., 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. Minimum loan amount is $5,000. SoFi Personal Loans originated by SoFi Bank, N.A. Member FDIC. NMLS #696891 (www.nmlsconsumeraccess.org). For additional product-specific legal and licensing information, see SoFi.com/legal and SoFi.com/eligibility. Lowest rates reserved for the most creditworthy borrowers. The average of SoFi Personal Loans funded in 2024 was around $33K. SoFi Bank, N.A. values your privacy and the security of your personal information so please do not include sensitive personal information, such as your Social Security number, in any email or letter that you send to us. SoFi Bank, N.A. 2750 East Cottonwood Parkway #300, Cottonwood Heights, Utah 84121 Unsubscribe Privacy Policy Licenses © 2025 SoFi Bank, N.A. All rights reserved. w: 2070213