Exclusive bonus offer 🚨: $399 could be yours with a SoFi Personal Loan.

Cash in on a $399 bonus.

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Log in ›   PERSONAL LOANS You could earn a little extra with your loan. Enjoy a $399 bonus.¹ View your rate   At SoFi, we believe in rewarding smart financial decisions. Like funding a lower fixed rate personal loan to chase your ambitions. It’s why we’re excited to personally give you a $399 bonus offer. That’s $399 direct-deposited into your SoFi Checking and Savings account. Taking out a SoFi Personal Loan means:     Seriously low fixed rates They’re low and ready to go, so you can start saving sooner. No fees required We don’t do mandatory origination fees, prepayment penalties, or late fees. Tons of bonus discounts Take full advantage of discounts on Direct Pay², Autopay³, and for being a SoFi member⁴.     Those are just a few reasons our personal loans are award-winning. But we don’t like to brag.     View your rate     BTW: Checking won’t affect your credit score†     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. 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. †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. ¹Personal Loan $399 Bonus: Terms and conditions apply. Offer is subject to lender approval. offer is not available to those who have previously received a bonus for funding a personal loan. To receive the offer, you must: (1) click through this email; (2) fund a personal loan with SoFi by 11:59pm EDT on 5/31/26; (3) have or apply for a SoFi Checking and Savings or have a SoFi Money account to receive the bonus. Once conditions are met and the loan has been disbursed, your bonus will be deposited into your SoFi Checking and Savings or Money account in approximately 30 calendar days. Bonuses that are not redeemed within 180 calendar days of the date they were made available to the recipient may be subject to forfeit. Bonus amounts of $600 or greater in a single calendar year will be reported to the Internal Revenue Service (IRS) as miscellaneous income to the recipient on Form 1099-MISC in the year received as required by applicable law. Recipient is responsible for any applicable federal, state or local taxes associated with receiving the bonus offer; consult your tax advisor to determine applicable tax consequences. SoFi reserves the right to change or terminate the offer at any time with or without notice." ²Terms 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. ³Autopay: 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 savings or checking account. The benefit will discontinue and be lost for periods in which you do not pay by automatic deduction from a savings or checking account. Enrolling in autopay is not required to receive a loan from SoFi. ⁴Member Rate Discount: To be eligible for an additional 0.25% interest rate reduction on a Personal Loan, you must, within 31 days of loan funding, either (1) be a SoFi Plus subscriber, (2) receive an Eligible Direct Deposit into a SoFi Checking or Savings account, or (3) receive at least $5,000 in Qualifying Deposits into a SoFi Checking or Savings account. You must continue to meet at least one of the above eligibility criteria every 31 days to maintain the discount. See the SoFi Plus terms for details on SoFi Plus subscription. For more details on Eligible Direct Deposit or Qualifying Deposits, please see SoFi Bank Rate Sheet. Once you become eligible during the initial period, the discount will be removed or reinstated depending on whether the criteria have been met. Each time your loan is re-amortized, your monthly payment amount will change based upon the interest rate that was in place. SoFi reserves the right to modify or terminate this offer at any time for unenrolled participants. You are not required to meet these criteria to be approved for a loan. 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. All rights reserved. w: 3883088 PL26-3416250-A