Personal Loans

* Terms and conditions apply. Offer subject to lender approval. To receive the offer, you must: (1) register and apply through the link on this page; (2) Complete a personal loan application with SoFi; (3) meet SoFi’s underwriting criteria. (4) have and provide a valid US bank account. Once conditions and underwriting criteria are met, the bonus amount will be deposited via automated clearing house (ACH) into your checking account within 30 calendar days of loan disbursement. Cashback amounts of $600 or greater in a single calendar year may be reported to the 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 cash back 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.

✝ To check the rates and terms you qualify for, SoFi conducts a soft credit pull that will not affect your credit score. However, if you choose a product and continue your application, we will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit pull.