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SoFi Promotions

Read our in-depth review of SoFi to see why SoFi scored 3.8 stars out of 5. We like their competitive, fixed rates, low fees, and no collateral.

Download App and Get 1,000 SoFi Points

Download the app to get 1,000 SoFi points. Redeem points for cash, crypto, fractional shares, eligible SoFi loan payments, or SoFi credit card statement credits.

Sofi Checking and Savings

  • Up to 3.75% APY with direct deposit
  • $0 monthly fees
  • No minimum balance
  • Get paid 2 days early

 SoFi Student Loans
 Learn More

SoFi Student Loans

Variable APR2.25% to 6.43% APR (with AutoPay)
Fixed APR2.99% to 6.88% APR (with AutoPay)
Minimum Amount$5,000 (may be higher depending on state)
Maximum Amount
No maximum
Loan Term
5 to 20 years
State Residency
All states eligible
Degree Requirements
Associates or higher
Income Requirements
Employment RequirementsMust be employed or have an offer to start within 90 days
Interest Only Payments
Origination Fees
Prepayment Penalty
Can Use a Cosigner
Can Release a Cosigner
Auto-Pay Interest Rate Reduction
Soft Credit Check
Unemployment Protection
Customer ServiceStarStarStarStarHalf Star
Loan TermStarStarStarStarHalf Star
Ease of UseStarStarStarStarStar
Interest RatesStarStarStarStarHalf Star
Payment FlexibilityStarStarStarStarEmpty Star
 Learn More
Terms Apply. SoFi Disclaimers

SoFi: Pricing information from published website as of 2/22/2021

SoFi Wealth Management

Articles on SoFi

SoFi Personal Loan Review

SoFi offers unsecured personal loans if you need to borrow money ASAP. But is it legit (or not)? Learn how SoFi personal loans actually work.

SoFi Mortgage Review

Thinking about buying a home or refinancing your existing mortgage? Is SoFi a good online lender or should you stick with a traditional bank? Read on for the pros and cons.

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About CreditDonkey
CreditDonkey is a student loan comparison website. We publish data-driven analysis to help you save money & make savvy decisions.

Editorial Note: Any opinions, analyses, reviews or recommendations expressed on this page are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.

†Advertiser Disclosure: Many of the offers that appear on this site are from companies from which CreditDonkey receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). CreditDonkey does not include all companies or all offers that may be available in the marketplace.

*See the card issuer's online application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However, all information is presented without warranty. When you click on the "Apply Now" button you can review the terms and conditions on the card issuer's website.

CreditDonkey does not know your individual circumstances and provides information for general educational purposes only. CreditDonkey is not a substitute for, and should not be used as, professional legal, credit or financial advice. You should consult your own professional advisors for such advice.

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