You're prequalified for the funds you need to pay down debt!

Apply today.

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Log in ›     HOME EQUITY LOANS     You're prequalified!1 Borrow $50‑350K to consolidate high-interest debt.     With $0 origination fees.*     View your rate     Checking won't affect your credit score.†     Congratulations, Janet! You're one step closer to achieving financial peace of mind. With a home equity loan, you can tap into up to $350K (or up to 85%) of your home's equity. Not sure how a home equity loan works? We've got you.     • It's a loan that often comes with lower rates than an unsecured loan. • You may use it to access to up to 85% of your home's equity (up to $350K)—with no change to your mortgage rate. • Pay it back in a single, fixed monthly payment. • Plus, get an exclusive $0 origination fee offer.*     If you're to ready unlock the power of your home's equity, SoFi is ready for you. Offer expires 3/2/26.     View your rate     Checking won't affect your credit score.†       You can choose to stop receiving "prescreened" offers of credit from this and other companies by calling toll-free 1-888-5-OPTOUT (1-888-567-8688). See PRESCREEN AND OPT-OUT NOTICE below for more information about prescreened offers.       To learn more, explore the Mortgage Page.       Have questions? Contact us   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. †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. NMLS #696891 (Member FDIC), offers loans directly or we may assist you in obtaining a loan from Spring EQ, a state licensed lender, NMLS #1464945. All loan terms, fees, and rates may vary based upon your individual financial and personal circumstances and state. You should consider and discuss with your loan officer whether a Cash Out Refinance, Home Equity Loan or a Home Equity Line of Credit is appropriate. Please note that the SoFi member discount does not apply to Home Equity Loans or Lines of Credit not originated by SoFi Bank. Terms and conditions will apply. Before you apply, please note that not all products are offered in all states, and all loans are subject to eligibility restrictions and limitations, including requirements related to loan applicant's credit, income, property, and a minimum loan amount. Lowest rates are reserved for the most creditworthy borrowers. Products, rates, benefits, terms, and conditions are subject to change without notice. Learn more at SoFi.com/eligibility-criteria. Information current as of February 27, 2026. In the event SoFi serves as broker to Spring EQ for your loan, SoFi will be paid a fee. *Offer available only for customers who are targeted with this promotional communication. While the $1,295 origination fee may appear within the application and on initial disclosures, the full $1,295 origination fee discount will be applied and reflected accurately on disclosures at closing. SoFi reserves the right to change or terminate this offer at any time with or without notice. ¹ PRESCREEN AND OPT-OUT NOTICE: You received this "prescreened" offer of credit because we used information from your credit report to determine that you satisfied certain criteria. This offer is not guaranteed if you do not meet our criteria. However, if you do not want to receive prescreened offers of credit from us and other companies, you may exercise the right to not be included on prescreened lists by calling the consumer reporting agencies toll-free at 1-888-5-OPTOUT (1-888-567-8688), visiting the website at www.optoutprescreen.com, or writing to: Equifax Options, P.O. Box 740123, Atlanta, GA 30374-0123, TransUnion, Opt Out Request, P.O. Box 505, Woodlyn, PA 19094-0505, Experian Consumer Opt Out, P.O. Box 919, Allen, TX 75013. 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 © 2026 SoFi Bank, N.A. Member FDIC. Equal Housing Lender. All rights reserved. w: 3365052 HL23-1103500-A