Lock in your Borrow Better rate drop ⏳

Pick up where you left off and keep your Borrow Better Week rate savings.

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Log in ›     PERSONAL LOANS     Your application (and 0.50% rate savings) is waiting.     Continue your application     Hey Janet,     You've already done the hard part. By starting your application during Borrow Better Week, you're eligible to take advantage of the 0.50% rate drop¹ on your Personal Loan. Don't let your progress—or your exclusive rate savings—expire. Finish your application now to secure your rate.     SoFi Personal Loans include:     • Low fixed rates: Save big by consolidating debt into one monthly payment. And get an additional 0.25% reduction² when you let us pay your lender directly. • Borrow $5K–$100K. Get your funds as soon as the same day you sign.³ • No fees required. That means no origination fees required, and no prepayment or late fees.     High-interest debt can't hold you back with these lower rates. Snag your 0.50% rate drop before your application expires.     Continue your application         To learn more, explore the Personal Loan Page.       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. 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. Additional terms and conditions may apply. Lowest rates reserved for the most creditworthy borrowers. The average of SoFi Personal Loans funded in 2024 was around $33K. Information current as of 04/21/25. SoFi Personal Loans originated by SoFi Bank, N.A. Member FDIC. NMLS #696891 (www.nmlsconsumeraccess.org). See SoFi.com/legal for state-specific license details. ¹ Borrow Better Week Rate Drop: Additional terms and conditions apply. Limited time 0.50% rate drop for new Personal Loan, Student Loan Refinancing, Private Student Loan, and Home Equity Loan applications started between 3/17/26 – 3/23/26 and is subject to lender approval. For home equity loans, you must lock your rate by 3/23/26 to receive the rate drop. Promotion does not include Home Loan purchase, refinance, or HELOC applications. To receive the rate drop, you must start a loan application with SoFi between 3/17/26 and 3/23/26 at 11:59PM PT and meet SoFi's underwriting criteria. ² 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. ³ 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. SoFi Technologies, Inc. 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 Technologies, Inc. 234 1st St., San Francisco, CA 94105 Unsubscribe | Privacy Policy | Licenses © 2026 SoFi Technologies, Inc. All rights reserved. w:3747552 LND26-3519700-P