Exciting update: Fed rates just dropped. Now's the time to check out a personal loan

View your rate with no impact to your credit score

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Log in ›     PERSONAL LOANS     Snip, snip. The Fed just cut interest rates.     View your rate     Take control with a SoFi Personal Loan.     If your high-interest credit card debt is taking over your otherwise flourishing bank account, a SoFi Personal Loan could be a very sharp blade.     Consolidate those high-interest credit cards into one payment at a low, fixed interest rate. You could borrow from $5K–$100K and receive your funds as soon as the same day you sign.* All of this with no fees required.     Show that debt no mercy. Tame that wild debt with a SoFi Personal Loan and watch your dreams grow.     View your rate     ✓ Checking your rate won't affect your credit score.†       Chat with us   855.456.SoFi (7634) M‑Th 5 AM‑7 PM PT, F‑Su 5 AM‑5 PM PT Download the SoFi app   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. 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. * 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. † 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. 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: 2956456