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SoFi Debt Consolidation Review

Rating: 8.9 / 10 (Excellent)
Disclosure: We receive advertising revenue from this partner.
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The country’s second largest marketplace lenders today, SoFi offers a variety of loan services aimed at helping clients take better control of their finances. The company has issued over 3 billion dollars in loans with its student loan refinancing, mortgages, mortgage refinancing and debt consolidation through its personal loans.

SoFi takes a non-traditional approach to loan processing by not only including your credit score but also your employment history, education and other sources of income to come with a more complete credit profile. Loans are available between $5,000 up to $100,000 and rates staring at 4.990% APR.



Direct Loan Service


Loan Amounts

$5,000 to $100,000

Loan Periods

3 to 7 years

Interest Rates

Starts at 4.990% APR



US citizen or permanent resident

Age of majority in your state

Currently employed

Stable source of income


Information Used

Employment history


Credit rating



Debt Consolidation at SoFi

SoFi is our top choice for debt consolidation simply because it offers one of the biggest maximum loan ceilings at $100,000. This makes it especially useful for debt consolidation since it can be used for multiple debt payments or restricting your current debt into a single account. Lower interest rates and longer loan periods makes it possible to keep debit payments more manageable. With a more complete approach to loan processing, SoFi is able to determine loan eligibility based not only on your credit score.   


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Our Partner
8.9 / 10
  • For people with $5,000-$100,000 in debt & good credit
  • 3, 5 and 7 year loan periods
  • Simple online application and live customer support 7 days a week
  • Unemployment protection
  • Ranked lower because Good or Excellent Credit Score Required