Hi Janet: We're excited to offer you a fixed-rate personal loan to get out of debt.

Nobody does personal loans like SoFi.

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Log in ›     A personal loan is a powerful tool. A SoFi Personal Loan is the whole tool chest.     Getting started is simple—you don't need any collateral and you could get your funds as soon as the same day your loan is approved.^ So do the thing. Finally consolidate those high-interest or variable rate credit cards, upgrade your home, plan that vacation. SoFi's got your back.     View your rate   BTW it's a soft inquiry, so it 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. SoFi Checking and Savings is offered through SoFi Bank, N.A. SoFi Money®️ is a cash management account, which is a brokerage product, offered by SoFi Securities LLC. Member FINRA/SIPC. SoFi Securities LLC is an affiliate of SoFi Bank, N.A. SoFi Money Debit Card issued by SoFi Bank, N.A. 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. ^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 Relay offers users the ability to connect both SoFi accounts and external accounts using Plaid, Inc.’s service. When you use the service to connect an account, you authorize SoFi to obtain account information from any external accounts as set forth in SoFi’s Terms of Use. Based on your consent SoFi will also automatically provide some financial data received from the credit bureau for your visibility, without the need of you connecting additional accounts. SoFi assumes no responsibility for the timeliness, accuracy, deletion, non-delivery or failure to store any user data, loss of user data, communications, or personalization settings. You shall confirm the accuracy of Plaid data through sources independent of SoFi. The credit score is a VantageScore® based on TransUnion® (the “Processing Agent”) data. To learn more, explore the Relay Page. 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: 1427359 r: 2967459