Our Rating: 94%


SoFi Personal Loan Review

Loan Amount:
$1,000 - $100,000
Minimum Credit Score:
APRs From:
5.99% - 21.11%
Funding Speed:
Within a few days

Ideal for high income, good credit borrowers SoFi personal loans offer competitive rates, and no fees. In addition to low rate personal loans, SoFi also offers multiple financial services products and access to exclusive member benefits including access to career coaches and financial advisers and invitations to exclusive happy hour events.

Check your pre-qualified personal loan rates online now.

SoFi Personal loan Review

Available only to borrowers with good to excellent credit scores with high income, SoFi is one the best personal loan lenders in the industry. When you become a SoFi member, it can feel like joining an elite club, SoFi members get exclusive invites to social events and member dinners around the country. SoFi members also receive free online career and financial advice.

During the decision process, one of the most important things SoFi looks at is your free cash flow, (how much of your income is left after expenses, according to the company).

With loan terms of two to seven years, SoFi allows borrowers to change their payment date.


  • Fee Free
  • Unemployment protection
  • Option to change the payment date
  • SoFi membership included


  • No refinancing options
  • Only available to high income, good credit borrowers
  • No option to directly pay creditors with a debt consolidation loan
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