SoFi Personal Loan

No-fee personal loans from $5,000 to $100,000 with competitive fixed rates. No origination fees, no prepayment penalties, and unemployment protection.

Last checked on May 12, 2026. We may earn a commission when you click through.

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SoFi offers personal loans with flexible terms and no hidden fees, making it a solid choice for many borrowers.

✓ No origination fees or prepayment penalties ✓ Flexible loan amounts from $5,000 to $100,000 ✓ Unemployment protection available
Personal SoFi

SoFi Personal Loan

Updated 1 day ago

At a Glance

Representative APR

7.74–35.49%

Loan Amount

$5,000–$100,000

Term

24–84 mo

Decision

—

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About this loan

SoFi offers a flexible and competitive personal loan option, especially for those with good credit. Its no-fee structure and unemployment protection are noteworthy advantages.

Our Verdict

SoFi offers personal loans with flexible terms and no hidden fees, making it a solid choice for many borrowers.

Best For

This loan is best for those with good credit seeking larger amounts between $5,000 and $100,000.

Watch Out

Prospective borrowers should be aware of the high maximum APR of 35.49%, which can be steep for some.

What Customers Say

Customer reviews highlight a straightforward application process but mixed feelings about customer service.

Expert Analysis

If you need a personal loan without origination fees, SoFi could be a practical option. With loan amounts ranging from $5,000 to $100,000, borrowers can choose terms of 24 to 84 months. The fixed APR starts at 7.74%, making it competitive for those with good credit.

SoFi's no prepayment penalties and unemployment protection are attractive features that add flexibility. However, the upper APR limit of 35.49% can be burdensome for borrowers with less favorable credit histories.

Customer service reviews are mixed, with some users praising the quick approval process while others report challenges in communication. It's advisable to read customer experiences for real-world insights.

Overall, if you're looking for a straightforward personal loan with a smooth application process, SoFi is worth considering. For borrowers with lower credit scores, alternatives like Upstart or Avant may provide better rates and terms tailored to their needs.

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Rates shown are representative. Your actual rate may differ based on your circumstances. We may earn a commission for referrals.

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