SoFi – Apply for a Loan

4.7 / 5  (4,820 reviews)
Maximum Amount $100,000 USD
APR from 8.99%
Term 24 – 84 mo.
Funds in Same day
Apply on the Official SoFi Website ad

Applying does not obligate you to accept a loan offer. Loans are approved by SoFi subject to eligibility and terms.

Contact Information

Company SoFi Lending Corp.
Address 234 1st Street, San Francisco, CA 94105

SoFi – Repayment Schedule

Estimated monthly payments at APR 8.99%. Actual payment is determined at loan approval.

Amount \ Term 24 mo. 36 mo. 60 mo. 84 mo.
$10,000 USD $456.80 $317.95 $207.54 $160.84
$20,000 USD $913.60 $635.90 $415.07 $321.68
$30,000 USD $1,370.40 $953.85 $622.61 $482.52
$40,000 USD $1,827.21 $1,271.80 $830.14 $643.36
$50,000 USD $2,284.01 $1,589.75 $1,037.68 $804.20
$60,000 USD $2,740.81 $1,907.70 $1,245.21 $965.04

Representative Example

Loan Amount $7,500 USD
Repayment Term 60 months
APR 8.99%
Monthly Payment $155.65
Total Interest Cost $1,839.08
Total Amount Payable $9,339.08

* This example is for illustrative purposes. APR includes the interest rate and any applicable fees. Actual terms are determined upon signing the loan agreement.

Quick Overview

Loan Amount $5,000 USD – $100,000 USD
Term 24 – 84 months
APR from 8.99%
Approval Same day
Eligible Age 18+ years
Online Application Yes

Eligibility Requirements

  • ✓ Age 18+ years (19 in AL, 21 in MS, PR)
  • ✓ US citizen, permanent resident, or visa holder
  • ✓ Employed or with sufficient income
  • ✓ Credit score 680+
  • ✓ Active US bank account

Loan Features

  • Loans up to $100,000
  • No fees of any kind
  • Unemployment protection
  • Same-day funding
  • Member perks and rate discounts