Original research
SoFi personal loans: what to check before you borrow
What to check
SoFi: a fee can be taken from the loan before the cash reaches you. Check the dollars you receive, not just the loan amount. The legal lender listed in this record is SoFi Bank, N.A.. Confirm the name and terms on your own offer. These facts describe the dated sample, not a promised rate or approval.
This 17-program sample is not the whole market and cannot predict your offer. CC BY 4.0 covers Rung-owned work, with third-party material excluded. This working report is public. Publisher review and third-party source clearance remain pending; no completed reviewer approval is claimed.
- Published fee: 0% to 7%. Treatment: deducted.
- Legal lender: The reviewed current disclosure identifies SoFi Bank, N.A. as the originator of SoFi Personal Loans; participating-bank referrals may be offered separately.
- State access: not fully established.
- Still unclear from public sources: full state matrix
These terms may not match your offer
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| What to check | Published information |
|---|---|
| Product | SoFi Personal Loan |
| Provider role | direct lender |
| APR | 6.99% to 35.49% |
| Origination fee | 0% to 7% |
| How the fee is charged | deducted |
| Loan amount | $5,000 to $100,000 |
| Loan length | 24, 36, 48, 60, 72, 84 months |
| State or access rule | United States subject to eligibility and state restrictions |
A deducted fee can make the loan larger than the cash you get
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| Cash you need | Fee basis | Fee rate | Loan amount | Fee removed | Fits published range? |
|---|---|---|---|---|---|
| $5,000 | range minimum | 0% | $5,000 | $0 | Yes |
| $10,000 | range minimum | 0% | $10,000 | $0 | Yes |
| $20,000 | range minimum | 0% | $20,000 | $0 | Yes |
| $5,000 | range midpoint | 3.50% | $5,181.35 | $181.35 | Yes |
| $10,000 | range midpoint | 3.50% | $10,362.69 | $362.69 | Yes |
| $20,000 | range midpoint | 3.50% | $20,725.39 | $725.39 | Yes |
| $5,000 | range maximum | 7% | $5,376.34 | $376.34 | Yes |
| $10,000 | range maximum | 7% | $10,752.69 | $752.69 | Yes |
| $20,000 | range maximum | 7% | $21,505.38 | $1,505.38 | Yes |
The legal lender may differ from the brand
Brand or platform: Social Finance, LLC
Legal lender: SoFi Bank, N.A.
Servicer: Social Finance, LLC or affiliate
The reviewed current disclosure identifies SoFi Bank, N.A. as the originator of SoFi Personal Loans; participating-bank referrals may be offered separately.
Public borrower data describes a group, not you
Where the evidence centers: prime center. Evidence type: funded weighted average fico. Confidence: high.
SoFi reported a 745 weighted-average FICO at origination for personal loans in Q1 2026.
People covered: SoFi personal loans reported for Q1 2026. Period end: 2026-03-31.
Most funded-loan records cover a limited group or period
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| People or loans covered | Comparison class | Scope | Period end | APR | Why it stops |
|---|---|---|---|---|---|
| all reported originations | B | Personal-loan originations, inclusive of Loan Platform Business volume | 2026-06-30 | Not reported | Average outstanding balance includes balance-sheet, transferred, and referred loans with continuing servicing involvement; it is not the average Q2 original loan amount. |
| term subset | A | Seven-year SoFi Personal Loans funded from March 15, 2025 through March 15, 2026, using the no-origination-fee option | 2026-03-15 | 15.89% | The source calls the value an average funded APR but does not publish the denominator on the consumer page. The funded window predates the current rate-table snapshot. The value applies to a seven-year, no-origination-fee option and should not be generalized to other terms or fee choices. |
Your state or membership can change the answer
United States offering subject to eligibility and state restrictions.
Public map status: not fully established. Named as included: We could not confirm this. Named as excluded: We could not confirm this.
No named state-specific rule is recorded in the reviewed sources.
Confirm every answer the public pages leave open
- full state matrix
- complete eligible-state list
- named state-specific minimum amounts
- named state-specific rate caps
- creditor exceptions by state
- Social Finance, LLC and SoFi Bank, N.A.: Personal Loans. official product page; checked 2026-09-05. Personal-loan disclosure; APR, fee and amount ranges, creditor, and seven-year funded APR example
- Social Finance, LLC and SoFi Bank, N.A.: Compare Rates and Terms. official product page; checked 2026-09-05. No-origination-fee payment examples by term, including seven-year APR range
- SoFi Technologies, Inc.: Second quarter 2026 earnings release filed with the SEC. sec filing; checked 2026-09-05. Lending — Originations and Average Balances table
- SoFi Technologies, Inc.: Quarterly report for the period ended March 31, 2026. sec filing; checked 2026-09-05. Personal-loan weighted-average origination FICO of 745
- Social Finance, LLC and SoFi Bank, N.A.: Personal Loan Eligibility. official terms; checked 2026-09-05. State eligibility and minimum amount; eligible-state requirement and unnamed state-specific amount and rate limits
Dataset personal-loan-funded-cost@2026-09-05.collection.3. Snapshot September 5, 2026. No independent reviewer is credited.
Check the next part of your offer
Use your current agreement as the final record.
Confirm your APR, fee, cash received, payment, total repayment, loan length, legal lender, and state rules.