👊 Team up with your home to knock out your high-interest debt.

Consolidate your high-interest debt into one fixed monthly payment with SoFi.

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Log in ›     HOME EQUITY LOANS     Lower the cost of your debt with your home.     View your rate     If you have equity in your home and credit card bills in your mailbox—this one's for you. We'll keep this quick. Consolidate high-interest credit card debt into one fixed monthly payment with a SoFi Home Equity Loan and you could save thousands on interest.     • Borrow up to $750,000 or up to 85% of your home's equity. • Get the money you need in a lump sum in about 30 days. • Lower rates than your high-interest credit cards.     View your rate for a SoFi Home Equity Loan today.     View your rate     ✓ Checking won't affect your credit score.†     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 March 26, 2026. In the event SoFi serves as broker to Spring EQ for your loan, SoFi will be paid a fee. 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: 3265400 HE26-3265400-D