Adoption Loans

Adoption financing
that's easy to love.

Adoption is life-changing. Financing can make it happen.
A personal loan with low rates and zero fees required lets
you focus on your new lives together. Fixed
personal loan rates range from 8.99%
APR to 29.49% APR (with all discounts)57.

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Checking your rate will not affect your credit score.✝︎

Why do over 10M members love SoFi?

The savings and experiences of members herein may not be representative of the experiences of all members.
Savings are not guaranteed and will vary based on your unique situation and other factors.

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Why SoFi for adoption financing?

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  • Absolutely no fees required

    SoFi has no origination fees required, no prepayment fees and no surprises. What you see is what you get.

  • Fixed Pay Schedule

    Choosing a fixed rate from 8.99%
    APR to 29.49% APR (with all discounts)57 makes it easier to pay back adoption expenses with manageable monthly payments.

  • %

    Save Money on Interest

    Keep the plastic in your wallet. A SoFi personal loan for adoption could save you thousands on interest compared to high-APR credit cards.

  • Fast funding

    Family shouldn’t have to wait. Our average online approval to funding is only 3 days.**

No fees required.

SoFi has absolutely zero fees required and no last-minute surprises. What you see is what you get.

No origination fees required.


No pre-payment fees.


No late fees.*

Save thousands with a low-rate
SoFi Adoption Personal Loan.

Did you hear credit card variable rates are rising in 2023? See how you can save thousands on interest by consolidating debt into a low fixed monthly payment.

See your savings

Example chart shows calculations based on a 5 year SoFi Personal Loan with a fixed rate of 14.90% APR, which is the rounded average median funded APR for SoFi Personal Loan borrowers who took out a loan with a 5 year term" from April 1 2023 - April 1 2024. Lowest rates are reserved for the most qualified borrowers. The 'High-Interest Rate Credit-Card' APR shown is the average credit card APR reported by Wallethub for Q1 2024 under their Good Credit category. The savings estimate also assumes that the borrower doesn't take out any additional credit card debt during the same period. Both calculations assume 60 total monthly payments, no origination fee option selected and no pre-payment amounts.

Get started in minutes.

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Get pre-qualified online with no obligation.

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Choose the loan that works for you and complete your application.

Receive your funds.

Sign your documents and funds are wired to your account.

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Get started in 60 seconds.

Speed matters. Which is why you can view your personal loan rate—in a literal minute.

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(without impacting your credit score)

† To check the rates and terms you may 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 and may affect your credit.

Terms and conditions apply. SOFI RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS AND BENEFITS AT ANY TIME WITHOUT NOTICE. To qualify, a borrower must be a U.S. citizen or other eligible status, be residing in the U.S., and meet SoFi's underwriting requirements. Not all borrowers receive the lowest rate. Lowest rates reserved for the most creditworthy borrowers. If approved, your actual rate will be within the range of rates at the time of application and will depend on a variety of factors, including term of loan, evaluation of your creditworthiness, income, and other factors. If SoFi is unable to offer you a loan but matches you for a loan with a participating bank, then your rate may be outside the range of rates listed above. Rates and Terms are subject to change at any time without notice. SoFi Personal Loans can be used for any lawful personal, family, or household purposes and may not be used for post-secondary education expenses. Minimum loan amount is $5,000. The average of SoFi Personal Loans funded in 2022 was around $30K. Information current as of 6/2/23. SoFi Personal Loans originated by SoFi Bank, N.A. Member FDIC. NMLS #696891 (www.nmlsconsumeraccess.org). See SoFi.com/legal for state-specific license details. See SoFi.com/eligibility for details and state restrictions.

Fixed rates from 8.99% APR to 29.49% APR reflect the 0.25% autopay interest rate discount and a 0.25% direct deposit interest rate discount. SoFi rate ranges are current as of 1/21/25 and are subject to change without notice. The average of SoFi Personal Loans funded in 2023 was around $33K. Not all applicants qualify for the lowest rate. Lowest rates reserved for the most creditworthy borrowers. Your actual rate will be within the range of rates listed and will depend on the term you select, evaluation of your creditworthiness, income, and a variety of other factors.

Loan amounts range from $5,000– $100,000. The APR is the cost of credit as a yearly rate and reflects both your interest rate and an origination fee of 0%-7%, which will be deducted from any loan proceeds you receive.

5 Autopay: The SoFi 0.25%autopay interest rate reduction requires you to agree to make monthly principal and interest payments by an automatic monthly deduction from a savings or checking account. The benefit will discontinue and be lost for periods in which you do not pay by automatic deduction from a savings or checking account. Autopay is not required to receive a loan from SoFi.

7 Direct Deposit Discount: To be eligible to potentially receive an additional (0.25%) interest rate reduction on your Personal Loan (your "Loan"), you must set up Direct Deposit with a SoFi Checking and Savings account offered by SoFi Bank, N.A., or enroll in SoFi Plus by paying the SoFi Plus Subscription Fee, all within 30 days of the funding of your Loan. Once eligible, you will receive this discount during periods in which you have enabled Direct Deposit to an eligible Direct Deposit Account in accordance with SoFi’s reasonable procedures and requirements to be determined at SoFi’s sole discretion, or during periods in which SoFi successfully receives payment of the SoFi Plus Subscription Fee. This discount will be lost during periods in which SoFi determines you have turned off Direct Deposit to your Checking and Savings account or in which you have not paid the SoFi Plus Subscription Fee. You are not required to enroll in Direct Deposit or to pay the SoFi Plus Subscription Fee to receive a Loan.

§ Awards or rankings are not indicative of future success or results. Neither SoFi Bank, N.A. nor its employees paid a fee in exchange for ratings. Awards and ratings are independently determined and awarded by their respective publications.

‡ Same-Day Personal Loan Funding: 83% of typical SoFi personal loan applications, excluding Direct Pay personal loans and personal loan refinance, from January 1, 2023–January 1, 2024 that were signed before 6pm ET on a business day were funded the same day.

^ Direct Pay: Terms and conditions apply. Offer good for personal loan customers with credit cards and personal loans in their name only and subject to lender approval. To receive the offer, you must: (1) register and/or apply through this landing page; (2) complete a loan application with SoFi within 90 days of your application submit date; (3) meet SoFi’s underwriting criteria; (4) apply 50% or more of your loan proceeds directly to your lenders/creditors. Once conditions are met and the loan has been disbursed, the interest rate shown in the Final Disclosure Statement will include an additional 0.25% rate discount. SoFi reserves the right to change or terminate the Direct Pay Rate Discount Program to unenrolled participants at any time with or without notice. It takes about 3 business days for your creditor/lender to receive payment after your loan is signed. You will be responsible for making all required payments to avoid credit card and other loan fees.

Excellent/4.4/5 star rating based on 9,067 reviews as of January 1, 2025. © 2025 Trustpilot, Inc. All rights reserved.

How long do I need to wait to reapply after my Personal Loan application has been declined? You will need to wait at least 30 days before re-applying for a Personal Loan with the same borrower(s). You are welcome to retry at any time with a co-borrower, if the previous application was as a single borrower. If you initially applied with a co-borrower, you can retry as a single borrower or with a different co-borrower.