SoFi Personal Loans Review

#3 in Personal Loans

SoFi is the second largest marketplace lender around today, providing student loan refinancing, mortgages, and personal loans. With over $10 billion in loans issued to date, SoFi offers some of the most attractive rates in the industry. They can do this given their nontraditional underwriting approach that takes into account merit and employment history, among other factors. You can borrow between $5,000 and $100,000 with variable rates 4.84% – 11.44% (with AutoPay) or fixed rates 5.95% APR to 14.24% APR (with AutoPay). SoFi offers both fixed and variable rate options. Equally as important, they don't charge any origination or prepayment fees – what you see if what you get.


Direct loan service

Loan Details

Unsecured Personal Loans

Minimum Loan Amount


Maximum Loan Amount


Minimum Loan Period

3 Years

Maximum Loan Period

7 Years

Loan Rates

Fixed rates:

  • 5.95%-14.24% APR (with AutoPay)
  • 6.20%-14.49% APR (without AutoPay)

Variable rates:

  • 4.84%-11.44% APR (with AutoPay)
  • 5.09%-11.69% APR (without AutoPay)
  • Rate cap 14.95%

Direct Deposit

Sign your documents and funds are wired to your account


SoFi Representative Sample

A consumer borrowing $4,000 at a 6% APR over a 24-month period would end up paying a total of $4,254.78.



Online Application Time

A few minutes

Response Time

Not Stated


US Citizen or Permanent Resident

Age of majority in your state

Currently Employed

Information Used

Credit History


Employment Status

SoFi Personal Loan Summary

SoFi offers one of the highest loanable amounts for personal loans making it a useful financial tool that can be used for funding different financial needs. SoFi focuses on delivering a great customer experience and even provides unemployment insurance as an additional benefit. SoFi is an excellent choice for personal loans with its high loan limit and competitive interest rates. However, in order to avail of these benefits clients must show a history of responsible lending and strong credit rating.


Latest Reviews

Based on customer reviews
32 Reviews
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SoFi Personal Loans
Johnson Elizerbeth
SoFi Personal Loans review
HOW I GOT MY LOAN FROM THIS GREAT COMPANY CALLED DR. LUKE SEBASTIAN LOAN COMPANY Hello to All across the globe, I am Johnson Elizabeth, from United State Of America, USA. I am a widow at the moment with 2 kids and I was stuck in a financial situation and I needed to refinance and pay my bills. I tried seeking loans from various loan firms both private and corporate but never with success, and most banks declined my credit ,do not fall prey to those hoodlums at there that call them self money lender they are all scam , all they want is your money and you will not hear from them again they have done it to me twice before I meet Dr. Luke Sebastian the most interesting part of it is that my loan was transfer to me within 74hours so I will advice you to contact Dr. Luke Sebastian if you are interested in getting loan and you are sure you can pay him back on time you can contact him via email……… (([email protected]) or ([email protected]) No credit check, no co signer with just 2% interest rate and better repayment plans and schedule if you must contact any firm with reference to securing a loan without collateral then contact Dr. Luke Sebastian today for your loan They offer all kind of categories of loan they Short term loan (1_10years) Long term loan (20_30 years) They offer loan like Home loan............., Business loan........ Debt consolidation loan ....... Student loan..........,Business start up loan Business loan....... , Company loan..............Mortgages loan construction loan........ hotel loan....personal loans.. etc Email..........([email protected]) or ([email protected]) When it comes to financial crisis and loan then Dr. Luke Sebastian loan loan is the place to go please just tell him I Johnson Elizabeth direct you Good Luck....

Donald born
SoFi Personal Loans review
I need tomorrow $30000

Flora Johnson
Atlanta, Georgia
SoFi Personal Loans review
Are you in need of any kinds of loans? Your help comes now. Are you losing sleep at nights worrying how to get a Loan?Don't allow your dreams to die, Contact ( [email protected]) for your easy and reliable loan today. BORROWERS INFORMATION Your names .......... Amount Needed......... Duration:............. Your country......... Phone Number.......... Sex................... Regards, Miss Albegey Sandra Loan Officer,

Luke Sabestian
Manassas, Virginia
SoFi Personal Loans review
DO YOU NEED AN URGENT LOAN FOR XMAS!!!!!! Compliments of the day, Are you a business man or woman? Do you need a loan to start up your own business? Do you need a loan to settle your debts or pay off your bills? Do you need funds to finance your project? We Offer guaranteed loan services of any amount Please contact us for your secure and unsecured Loan with an Interest rate of 2.00%, Interested applicants should Contact us via email: ([email protected]) or ([email protected]) Are you a business man or woman? Are you in any financial mess or do you need funds to start up your own business? Do you need a loan to start a nice Small Scale and medium business? Do you have a low credit score and you are finding it hard to obtain capital loan from local banks and other financial institutes?. solution to your financial problem is Dr. Luke Sebastian Our program is the quickest way to get what you need in a snap. Reduce your payments to ease the strain on your monthly expenses. **Are you financially squeezed? **Do you seek funds to pay off credits and debts? **Do you seek finance to set up your own business? **Are you in need of private or business loans for various purposes? **Do you seek loans to carry out large projects? We offer a wide range of financial services which includes: Business Planning, Commercial and Development Finance, Properties Mortgages, Home loans, business loans, bad credit loans, commercial loans, start-up- working capital loans, construction loans ,car loans, hotel loans, student loans, personal loans, Debts Consolidation Loans with low interest rate at 2.00% Yours Sincerely, Dr. Luke Sebastian ([email protected]) or ([email protected])

Rick Simpson
Manassas, Virginia
SoFi Personal Loans review
Ameriquest Finance,Is a sincere and certified company,Founded in 1980,Loan company approved by the Government,we give out international and local loans to all countries in the world,Minimum amount set out for loan seekers is 1,000.00 and give out any amount of loan Dollars, Euro and Pounds.We offer loans with a dependable guarantee to all of our clients. Our loan interest rates are very low and affordable with a negotiable duration. Available now MORTGAGE, PERSONAL, TRAVEL, STUDENT, EXPANSION OF BUSINESS AND NEW UNSECURED, SECURE, CONSOLIDATE AND MORE Available now.. *Apply* for a loan today with your loan amount and duration, Its Easy and fast to get. 3% interest rates and monthly installment payments. Email: [email protected] phone: +18475128241 phone: +19317718716 Head Address: 1100 Town and Country Road Suite 1200 Orange, CA 92868 United States