Check your rate
Provide your information to see the rates and terms you may qualify for. This initial check uses a soft credit pull that does not affect your score.
Check your SoFi rate without affecting your credit score. No obligation to accept.
CBCal Barton CashbackCredit & Funding Intelligence
My personal loan experienceCheck My SoFi Options
SoFi personal loans · Soft credit check
See your SoFi loan options without affecting your credit score.
I asked for $30,000. SoFi showed me up to $58,500. You can check your estimated rate and terms, then decide whether an offer makes sense for you.
Soft pull to check ratesNo obligation to accept
Checking rates uses a soft credit pull. Choosing a product and continuing your application involves a hard credit pull, which may affect your credit score.
Affiliate disclosure: I may earn a commission if you use the link on this page.
Compare before committingWhat could your offer look like?
$5,000–$100,000Loan amounts available to eligible applicants.
6.49%–35.49% APRCheck rates and terms with a soft credit pull.
Compare monthly paymentsReview a fixed-rate loan with a set repayment term.
Choose whether to continueChecking an offer does not commit you to borrowing.
Displayed APR range includes a 0.25% autopay discount and a 0.25% Member Rate Discount, and reflects no-origination-fee options. Lowest rate requires qualifying credit and terms. Approval and terms depend on underwriting. Your offer may differ from mine.
Last verified September 17, 2026.
I tried it myselfI asked for $30,000.
Cal Barton
Check My SoFi Options
I asked for $30,000.
SoFi showed me up to $58,500.
I went through SoFi’s rate check myself. It showed me a conditional preapproval up to $58,500, including a two-year option at 9.75% APR with eligible discounts.
I eventually accepted $50,000. After a short pending review, my application was approved and the money reached my checking account that same business day. No income documents were requested from me.
What I like is being able to see an offer first. You can compare the numbers and decide whether it is worth moving forward.
Cal Barton
How it works
Three steps from checking your rate to making a decision.
Start with the rate check. You can review what is available before deciding whether to continue.
Compare the offer
Look at the APR, monthly payment, repayment term, and any origination fee. Decide whether the full cost fits your situation.
Continue if it fits
If you select a product and continue, SoFi requests a full credit report. Complete any remaining verification and review the agreement before signing.
Same-day funding may be available after approval and signing by 5:30 PM Eastern on a business day. It is not guaranteed. Documentation, receiving-bank processing, and other factors can affect timing. Partner-bank loans are excluded from SoFi’s same-day funding claim.
Before you accept
Make sure the numbers work for you.
If you are consolidating credit cards, compare the offer with what you are paying now. A smaller monthly payment can help your budget, but a longer term can increase the total interest you pay.
An offer gives you something concrete to compare. You can walk away if the cost or payment does not fit.
Compare these numbers
- APR, including applicable fees and discount conditions.
- Monthly payment and how long you will be paying.
- Total payments over the life of the loan.
- Cash you receive after any origination fee is deducted.
Take another look if…
- The offer costs more than your existing debt.
- The payment would stretch your monthly budget.
- You would need to run the credit cards back up after paying them off.
Common questions
Know what to expect before you check.
A few answers to help you understand the process and the results shown on this page.
Checking rates uses a soft credit pull. Choosing a product and continuing your application involves a hard credit pull, which may affect your credit score.
Your result may be different. My screenshot shows my own conditional preapproval and a historical rate option. SoFi evaluates your creditworthiness, income, loan term, and other factors. A rate check or preapproval does not guarantee final approval.
SoFi advertises personal loans from $5,000 to $100,000 for eligible applicants. Your available amount and terms depend on underwriting and applicable state restrictions.
No-origination-fee options are available, but some offers include an origination fee that is deducted from the loan proceeds. Compare the APR and the amount you will actually receive. Review the current terms directly with SoFi.
SoFi may request verification or additional documents. No income documents were requested in my case, but that is not a promise that another applicant will have the same experience.
The dated examples come from funded-loan events in my 2025 affiliate report supplied by Creators Agency. They are selected historical referrals, not testimonials, an approval rate, or typical loan amounts. They do not predict what you will qualify for.
See what SoFi may offer you.
Check your estimated rate and terms, compare the numbers, and move forward only if the offer makes sense.
Start with a soft credit check.
No impact to your credit score when you check rates. No obligation to accept an offer.
Check My SoFi OptionsA hard credit pull is required if you select a product and continue your application.
