Personal loan
SoFi: personal loan terms and fees
Unsecured installment loans with multiple terms and offer-dependent origination fees.
Product details and conditions
Loan amounts
Eligible borrowers in most states can borrow $5,000–$100,000. Approval and the amount offered depend on the application.
Personal loan — official product terms ↓Repayment terms
SoFi lists fixed repayment terms of 2, 3, 4, 5, 6, 7 or 10 years.
Personal loan — official product terms ↓Fee choices
Some borrowers may see a no-origination-fee option; others can choose an origination fee in exchange for a lower interest rate. Compare APR, net proceeds and total payments across the actual offers.
Personal loan — official product terms ↓Permitted uses
The loan is unsecured. SoFi excludes business expenses, post-secondary education, bridge loans, and real-estate or securities investments. This check did not establish a reliable current public APR range.
Personal loan — official product terms ↓Before you choose
- What APR, origination fee and net deposit are in my actual offer?
- What are the monthly payment and total scheduled payments for each available term?
- Is collateral required, and what happens if I cannot repay?
- When does a credit check become a hard inquiry, and are there state or loan-use restrictions?
Provider sources
- Personal loan — official product terms ↗
Checked 2026-09-24