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SoFi personal loan

Not financial advice. Published ranges from each lender's own page with the date we read it; your offer depends on credit, income and state. No lender pays for inclusion or rank.

Rubric score 64.6%

• APR6.99%–35.49% fixed; includes 0.25% autopay discount sofi.com, 2026-10-12
• Origination fee0%–7% sofi.com, 2026-10-12
• Terms24 months–84 months sofi.com, 2026-10-12
• Loan amounts$5,000–$100,000 sofi.com, 2026-10-12
• Minimum credit scorenot published (not found) sofi.com, 2026-10-12

Note: APR range includes 0.25% autopay discount

Complaint record (CFPB)

• Complaints, last 12 months3,503
• Trend▲ 33.2% (last 12 mo 3,503 vs prior 12 mo 2,629)
• Timely response (last 36 mo)99.9%
• Per $1B deposits (12 mo)74.88
• Top issueManaging an account
• Insurance statusFDIC-insured: SoFi Bank, National Association (cert 26881, active; deposits $46.8B as of 06/30/2026)

Company-level (SOFI TECHNOLOGIES, INC.), all products, as of 2026-10-12. SoFi complaints: full record → Shown for context; does not change the score.

Score breakdown

• Lowest advertised APR 9.0/10Lowest APR 6.99%. Score = 16 − APR, 0–10 (6% → 10).
• Highest APR (worst case) 0.3/10Max APR 35.49%. Score = (36 − max)/1.6, 0–10.
• Origination fee (max) 3/10Origination fee up to 7%. Score = 10 − max fee %.
• Term range 10/10Terms 24–84 months. Score = span/6 months, max 10.
• Max loan amount 10/10Up to $100,000. Score = max/$10k, max 10.

0.200×9.0 + 0.200×0.3 + 0.200×3 + 0.200×10 + 0.200×10 = 6.46 → 64.6%

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FAQ

What APR does SoFi charge?

6.99%–35.49% fixed; includes 0.25% autopay discount sofi.com, 2026-10-12

Estimates, not financial advice. Taxes, insurance, PMI and fees vary by lender, county and city; confirm with your lender, dealer and state agency before acting.