Terms & conditions apply. SOFI RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS & BENEFITS PROSPECTIVELY BASED ON MARKET CONDITIONS AND BORROWER ELIGIBILITY. To qualify, a borrower must be a U.S. citizen or permanent resident and meet SoFi’s underwriting requirements. State restrictions apply. Origination fees may apply to terms in some states. This information is subject to change based on market conditions and borrower eligibility. SoFi loans are originated by SoFi Lending Corp. (dba SoFi), California Finance Lender #6054612. NMLS #1121636.
1 )Student Loan Refinancing: Terms and conditions apply. SOFI RESERVES THE RIGHT TO MODIFY TERMS AND DISCONTINUE PRODUCTS AND BENEFITS AT ANY TIME. To qualify for refinancing, you must fulfill all SoFi eligibility requirements. SoFi only refinances student loans totaling at least \$5,000 that you used to fund tuition at an eligible Title IV accredited school where you were enrolled at least 50% time. Loans currently being used to fund education for actively enrolled students are not eligible for refinancing. For more detail, see SoFi.com/eligibility. Lowest rates reserved for the most creditworthy borrowers. You may pay more interest over the life of the loan if you refinance.
Notice: SoFi Refinance Student Loans are private loans. When you refinance federal loans with a SoFi loan, YOU FORFEIT YOUR ELIGIBILITY FOR ALL FEDERAL LOAN BENEFITS, including all flexible federal repayment and forgiveness options that are or may become available to federal student loan borrowers including, but not limited to: Public Service Loan Forgiveness (PSLF), Income-Based Repayment, Income-Contingent Repayment, extended repayment plans, PAYE or SAVE. Information current as of 2/24/2025 and subject to change. SoFi Refinance Student Loans are originated by SoFi Bank, N.A. Member FDIC. NMLS #696891 (www.nmlsconsumeraccess.org). [SLR_100.1]
\$300 cash bonus for refinancing your student loan: Terms and conditions apply. Offer is subject to lender approval. The offer is only open to new Student Loan borrowers and may not be combined with other offers aside from the autopay rate discount and Member Rate discount. To receive the offer, you must: (1) register and/or apply through this landing page/your SoFi at Work Dashboard or Benefits Portal; (2) complete a loan application with SoFi; (3) have and provide a valid U.S. bank account to receive bonus; (4) complete Form W-9; (5) and meet SoFi’s underwriting criteria. Once conditions are met and the loan has been disbursed, you will receive your welcome bonus via automated clearing house (ACH) into your checking account within approximately 30 calendar days. Bonuses that are not redeemed within 180 calendar days of the date they were made available to the recipient may be subject to forfeit. Bonus amounts of \$600 or greater in a single calendar year will be reported to the Internal Revenue Service (IRS) as miscellaneous income to the recipient on Form 1099-MISC in the year received as required by applicable law. Recipient is responsible for any applicable federal, state or local taxes associated with receiving the bonus offer; consult your tax advisor to determine applicable tax consequences. SoFi reserves the right to change or terminate the offer at any time with or without notice. [SFW_113.0]
2 )Parent PLUS Loans: Terms and conditions apply. SOFI RESERVES THE RIGHT TO MODIFY TERMS AND DISCONTINUE PRODUCTS AND BENEFITS AT ANY TIME. To qualify for refinancing, you must fulfill all SoFi eligibility requirements. SoFi only refinances student loans totaling at least \$5,000 that you used to fund tuition at an eligible Title IV accredited school where you were enrolled at least 50% time. Loans currently being used to fund education for actively enrolled students are not eligible for refinancing. For more detail, see SoFi.com/eligibility. Lowest rates reserved for the most creditworthy borrowers. You may pay more interest over the life of the loan if you refinance.
Notice: SoFi Refinance Student Loans are private loans. When you refinance federal loans with a SoFi loan, YOU FORFEIT YOUR ELIGIBILITY FOR ALL FEDERAL LOAN BENEFITS, including all flexible federal repayment and forgiveness options that are or may become available to federal student loan borrowers including, but not limited to: Public Service Loan Forgiveness (PSLF), Income-Based Repayment, Income-Contingent Repayment, extended repayment plans, PAYE or SAVE. Information current as of 2/24/2025 and subject to change. SoFi Refinance Student Loans are originated by SoFi Bank, N.A. Member FDIC. NMLS #696891 (www.nmlsconsumeraccess.org). [SLR_100.1]
\$300 cash bonus for refinancing your student loan: Terms and conditions apply. Offer is subject to lender approval. The offer is only open to new Student Loan borrowers and may not be combined with other offers aside from the autopay rate discount and Member Rate discount. To receive the offer, you must: (1) register and/or apply through this landing page/your SoFi at Work Dashboard or Benefits Portal; (2) complete a loan application with SoFi; (3) have and provide a valid U.S. bank account to receive bonus; (4) complete Form W-9; (5) and meet SoFi’s underwriting criteria. Once conditions are met and the loan has been disbursed, you will receive your welcome bonus via automated clearing house (ACH) into your checking account within approximately 30 calendar days. Bonuses that are not redeemed within 180 calendar days of the date they were made available to the recipient may be subject to forfeit. Bonus amounts of \$600 or greater in a single calendar year will be reported to the Internal Revenue Service (IRS) as miscellaneous income to the recipient on Form 1099-MISC in the year received as required by applicable law. Recipient is responsible for any applicable federal, state or local taxes associated with receiving the bonus offer; consult your tax advisor to determine applicable tax consequences. SoFi reserves the right to change or terminate the offer at any time with or without notice. [SFW_113.0]
3 )Checking & Savings: SoFi Checking and Savings is offered through SoFi Bank, N.A. Member FDIC. The SoFi® Bank Debit Mastercard® is issued by SoFi Bank, N.A., pursuant to license by Mastercard International Incorporated and can be used everywhere Mastercard is accepted. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated. [BNK_200.0]
Early access to direct deposit funds is based on the timing in which we receive notice of impending payment from the Federal Reserve, which is typically up to two days before the scheduled payment date, but may vary. [BNK_600.0]
We do not charge any account, service, or maintenance fees for SoFi Checking and Savings. We do charge transaction fees for outgoing wire transfers, Instant Transfers, and global remittance transfers. Our fee policy is subject to change at any time. See the SoFi Bank Fee Sheet for details at sofi.com/legal/banking-fees/. BNK_500.1
4 )Home and Auto Insurance: SoFi Insurance Agency, LLC ("SoFi Agency"), doing business in the state of California as Social Finance Insurance Agency, is a licensed independent insurance agency and affiliate of SoFi Technologies, Inc. and SoFi Bank, N.A. SoFi Agency is compensated via commission or referral fee by its insurance carriers and other related service providers. Not all carriers or options in the marketplace are shown. SoFi Agency and its affiliates do not guarantee the services of any insurance carriers or other related service providers. California Entity License Number: 0L13077, Resident License No. 762363. See all licenses.
How SoFi Agency Is Compensated: There is no charge to use SoFi Agency. However, we receive compensation from insurers and other vendors in the following ways:
If you have any questions about how we are compensated, please feel free to reach out to SoFi Agency.
All insurance products shown on SoFi are underwritten and provided by licensed insurance carriers, not SoFi Agency. SoFi Agency does not underwrite or price insurance policies. Insurance products presented may not be available in all states, and your rates and savings will vary based on individual factors. The rates or savings advertised are not necessarily available from all providers or advertisers. Not all carriers or options in the marketplace are shown. [PRO_101.0]
Results will vary and some may not see savings. Average savings of \$765 is based on a comparison of people who saved money after purchasing a policy through SoFi Insurance Agency, LLC ("SoFi Agency") between June 1, 2025, and January 27, 2026. Savings represent the average of the difference between peoples’ previous annual premium as reported on their prior policy declaration page and their newly issued final annual premium through SoFi Agency. Coverage and deductible were not factored into any reported savings. Individual savings will vary and are not guaranteed. [PRO_103.0]
5 )Life Insurance: Coverage and pricing are subject to eligibility and underwriting criteria.
Ladder Insurance Services, LLC (CA license # OK22568; AR license # 3000140372) distributes term life insurance products issued by multiple insurers- for further details see ladderlife.com. All insurance products are governed by the terms set forth in the applicable insurance policy. Each insurer has financial responsibility for its own products.
Ladder, SoFi Technologies, Inc. ("SoFi"), and SoFi Insurance Agency, LLC ("SoFi Agency") are separate, independent entities and are not responsible for the financial condition, business, or legal obligations of the other. SoFi and SoFi Agency do not issue, underwrite insurance, or pay claims under Ladderlife™ policies. SoFi Agency is compensated by Ladder for each issued term life policy.
By selecting Get a Free Quote, you agree to Ladder sharing with SoFi information about any insurance application you submit and any policy you may obtain.
Ladder offers coverage to people between the ages of 20 and 60 as of their nearest birthday for most products. Your current age plus the term length cannot exceed 70 years.
All services from Ladder Insurance Services, LLC are their own. Once you reach Ladder, SoFi is not involved and has no control over the products or services involved.
How SoFi Agency Is Compensated: There is no charge to use SoFi Agency. However, we receive compensation from insurers and other vendors in the following ways:
If you have any questions about how we are compensated, please feel free to reach out to SoFi Agency. [LDR_101.0]
Prices start at \$6/month based on a 20-year-old female rated Preferred non-tobacco for a \$100K policy for a 10-year term. Individual rates will vary as specific circumstances will affect each customer's rate. Rate valid as of 07/08/2026. [LDR_104.0]
Issuance of the policy will depend upon answers to health questions set forth in the application and third-party data. While medical exams may not be required for coverage up to \$1M, certain health information is required as part of the application to determine eligibility for coverage. [LDR_103.0]
6 )Relay: SoFi Relay offers users the ability to connect both SoFi accounts and external accounts using Plaid, Inc.’s service. When you use the service to connect an account, you authorize SoFi to obtain account information from any external accounts as set forth in SoFi’s Terms of Use. Based on your consent SoFi will also automatically provide some financial data received from the credit bureau for your visibility, without the need of you connecting additional accounts. SoFi assumes no responsibility for the timeliness, accuracy, deletion, non-delivery, or failure to store any user data, loss of user data, communications, or personalization settings. You must confirm the accuracy of Plaid data through sources independent of SoFi. The credit score is a VantageScore® based on TransUnion® (the “Processing Agent”) data. [RLY_100.1]
About property tracking: Property tracking shows market value data on a specific property for use by the owner
to help monitor your investment. Value estimations are provided monthly by our partner, Kukun, and are basedon application of valuation models to available property data from other similar nearby properties, local dataand market conditions. Unreported home improvements may not be reflected in your home value estimations.Property Tracking is provided on an “as is, as available” basis with all faults and defects, with nowarranty, express or implied. Estimated values provided by Relay should not replace appraisals or otherprofessionally provided estimates, and are not for resale or commercial use. [RLY_102.0]SoFi Relay offers users the ability to connect both SoFi accounts and external accounts using Plaid, Inc’s service. Vehicle Identification Number is confirmed by LexisNexis and car values are provided by J.D. Power. Auto Tracker is provided on an “as-is, as-available” basis with all faults and defects, with no warranty, express or implied. The values shown on this page are a rough estimate based on your car’s year, make, and model, but don’t take into account things such as your mileage, accident history, or car condition. [RLY_103.0]
7 )SoFi Plus: SoFi Plus: SoFi Plus is a premium membership that gives members access to our best rewards, benefits, and more when they pay the SoFi Plus Subscription Fee. Benefits are subject to change and may not be available to everyone. All terms and conditions applicable to the use of SoFi Plus apply. To learn more about SoFi Plus and available benefits and terms, please see the SoFi Plus page. [MR_102.0]
Based on a series of blinded surveys of financial memberships across banking, borrowing, investing, and credit cards. A nationally representative sample of 900 consumers were asked to rank offerings based on the question “Which financial membership pand is most rewarding?” Results as of January 2025. See sofi .com/plus-survey for details. [MR_306.0]
Exclusive live event access:
SoFi Plus members or guests of SoFi Plus members are eligible to attend SoFi Member In-Person Experiences (a "Member Experience"). For complete SoFi Plus eligibility, please see the SoFi Plus terms.
By signing up for a Member Experience, you acknowledge that SoFi may record or photograph the Member Experience (including you, your likeness and voice) and may use such recordings or photographs publicly or privately in any form of media, including for commercial purposes. By attending a Member Experience, you consent to the recording and photographing of such Member Experience and grant SoFi an unrestricted, perpetual, non-excluding, and sublicensable license, to take, use, display, perform, distribute or exploit for any lawful and commercial purpose any recordings or photographs. By attending a Member Experience, you also agree that you will make no monetary or other claim against SoFi for the use of the recordings or photographs. If you do not agree, please do not claim a ticket and do not attend the event. We believe our community should be truly open for everyone. As such, we are committing to providing a friendly, safe, and welcoming environment for all regardless of gender, sexual orientation, disability, race, ethnicity, national origin, age, or religion. View the SoFi Experiences Code of Conduct. [MR_302.0]
SoFi Checking and Savings is offered through SoFi Bank, N.A. Member FDIC. [BNK_200.1]
When you open a SoFi Savings Account, SoFi Bank will also automatically open a SoFi Checking Account in your name. See the SoFi Bank Deposit Account Agreementfor details. [BNK_200.4]
Screen images simulated. For illustrative purposes only. [SOFI_122.1]
8 )Student Loan Refinancing: Products available from SoFi on the Dashboard may vary depending on your employer preferences.
Advisory tools and services are offered through SoFi Wealth LLC, an SEC-registered investment adviser. 234 1st Street San Francisco, CA 94105.
SoFi Student Loan Refinance Loans, Personal Loans, Private Student Loans, and Mortgage Loans are originated through SoFi Bank, N.A., NMLS #696891 (Member FDIC), (www.nmlsconsumeraccess.org). The 529 Savings and Selection Tool is provided by SoFi Wealth LLC, an SEC-registered investment adviser. For additional product-specific legal and licensing information, see SoFi.com/legal. 2750 E. Cottonwood Parkway #300 Cottonwood Heights, UT 84121. ©2026 Social Finance, LLC. All rights reserved. Information as of January 2025 and is subject to change. [SFW_100.0]
Terms and conditions apply. SOFI RESERVES THE RIGHT TO MODIFY TERMS AND DISCONTINUE PRODUCTS AND BENEFITS AT ANY TIME. To qualify for refinancing, you must fulfill all SoFi eligibility requirements. SoFi only refinances student loans totaling at least \$5,000 that you used to fund tuition at an eligible Title IV accredited school where you were enrolled at least 50% time. Loans currently being used to fund education for actively enrolled students are not eligible for refinancing. For more detail, see SoFi.com/eligibility. Lowest rates reserved for the most creditworthy borrowers. You may pay more interest over the life of the loan if you refinance.
Notice: SoFi Refinance Student Loans are private loans. When you refinance federal loans with a SoFi loan, YOU FORFEIT YOUR ELIGIBILITY FOR ALL FEDERAL LOAN BENEFITS, including all flexible federal repayment and forgiveness options that are or may become available to federal student loan borrowers including, but not limited to: Public Service Loan Forgiveness (PSLF), Income-Based Repayment, Income-Contingent Repayment, extended repayment plans, PAYE or SAVE. Information current as of 2/24/2025 and subject to change. SoFi Refinance Student Loans are originated by SoFi Bank, N.A. Member FDIC. NMLS #696891 (www.nmlsconsumeraccess.org). [SLR_100.1]
pian Walsh is a Registered Representative of SoFi Securities, LLC and an Investment Adviser Representative of SoFi Wealth, LLC. [CFP_100.1]
Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER® [CFP_100.0]
9 )SmartStart Loan: Terms and conditions apply. SOFI RESERVES THE RIGHT TO MODIFY TERMS AND DISCONTINUE PRODUCTS AND BENEFITS AT ANY TIME. To qualify for refinancing, you must fulfill all SoFi eligibility requirements. SoFi only refinances student loans totaling at least \$5,000 that you used to fund tuition at an eligible Title IV accredited school where you were enrolled at least 50% time. Loans currently being used to fund education for actively enrolled students are not eligible for refinancing. For more detail, see SoFi.com/eligibility. Lowest rates reserved for the most creditworthy borrowers. You may pay more interest over the life of the loan if you refinance.
Notice: SoFi Refinance Student Loans are private loans. When you refinance federal loans with a SoFi loan, YOU FORFEIT YOUR ELIGIBILITY FOR ALL FEDERAL LOAN BENEFITS, including all flexible federal repayment and forgiveness options that are or may become available to federal student loan borrowers including, but not limited to: Public Service Loan Forgiveness (PSLF), Income-Based Repayment, Income-Contingent Repayment, extended repayment plans, PAYE or SAVE. Information current as of 2/24/2025 and subject to change. SoFi Refinance Student Loans are originated by SoFi Bank, N.A. Member FDIC. NMLS #696891 (www.nmlsconsumeraccess.org). [SLR_100.1]
SoFi SmartStart Loan: Eligible only for 7, 10, 15, and 20 year loan terms and fixed rate. Not available to borrowers in the Medical Residency ReFi program. Must meet creditworthiness requirements. Learn more at sofi.com/eligibility. During the interest-only period, your minimum monthly payments only pay accrued interest and do not reduce the loan principal balance on the SmartStart loan. After the interest-only period, your minimum monthly payments will increase for the remainder of the loan term to pay principal and interest on a conventional amortization schedule. You are only eligible to take a SoFi SmartStart loan one time as a primary borrower. [SLR_118.0]
Interest-only for First 9 Months Repayment Plan: Repayment plan is available for fixed-rate loans only. For the initial 9-month period, monthly payments will be interest-only, with no reduction in the principal balance. Following the 9-month interest-only period, monthly payments will consist of both principal and interest for the remainder of the loan term. A 5-year term is not available for this offer. Choosing this option may result in a higher total loan cost compared to making full principal and interest payments from the start. [SLR_118.2]
✝︎ To check the rates and terms you may qualify for, SoFi conducts a soft credit pull that will not affect your credit score. A hard credit pull, which may impact your credit score, is required if you apply for a SoFi product after being pre-selected.