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Personal Loans Review SoFi Personal Loans Review SoFi provides up to $100k in funding without loan charges By Jacob Wade Updated November 16, 2022 Fact checked by Maddy Simpson We suggest the top products by conducting the independent process of reviewing, and advertising does not influence our picks. We may receive compensation if you visit our partners that we recommend. Read our advertiser disclosure for more info. SoFi The Investopedia Rating 4.9 Check Rates Our Take SoFi provides personal loans with favorable terms, low fees, and the option to get pre-approved. However, some applicants may encounter a lengthy approval procedure that can take up to two weeks. Credit requirements may be steep. Top Rated for Best Overall Best IVF Loans The best option for early repayment Best Installment Loans Best for Unemployment Protection Best Wedding Loans Most effective for quick loan funding Best Low-Interest Personal Loans The Best Overall Home Improvement Loans Best Overall Best Loans for excellent credit Best Overall Best Online Personal Loans Best Overall Best Personal Loans Best Overall Debt Consolidation Loans with the Best Credit Scores Ideal for larger loans Solar Panel Loans Pros & Cons Key Takeaways Company Overview specifications Pros There aren't any loan fees Low rates Loans up to $100,000 Unemployment protection available Cons Co-signers are not available The minimum loan amount is $5,000. High credit requirements Why should you trust us? 38 Lenders reviewed 40 Loan features considered 1,520 Data points are studied 112 Primary data sources employed Investopedia collected crucial data points from various lenders to pinpoint the most important factors to the borrowers. We used this data to analyze each lender's charges and the accessibility of their services, repayment terms and other features to provide complete, objective reviews that help our readers get the right loan for their specific needs. Read our Full Methodology SoFi overall score 4.9 Check Rates Table of Contents Pros Explained Cons & Cons Explained Types of Loans Time to Funding Requirements for Borrowers Features Customer Service Customer Satisfaction Applying for a SoFi Personal Loan Alternative Personal Loan Lenders Methodology Pros Explained No loan charges: SoFi does not charge any origination charges on loans that saves you lots of money when as compared to rivals who charge as high as 10 percent. Additionally, there are no application, prepayment, or late payment charges. Low rates: SoFi offers rates as low as 7.99 percent for unsecured personal loans (after the autopay discount). This is as low as you can get for most online personal loans, so with good credit you can save on interest costs when consolidating your debt or making big purchases. Loans up to $100,000: While many personal loan companies don't offer more than $50,000, SoFi offers up to $100,000 to those who are eligible. Unemployment protection is available: SoFi provides unemployment protection for personal loans which allows the customer to defer payments for up to 3 months should there is a loss of employment. SoFi also provides career advisors to help you find a job during this time.1 Cons Explained Co-signers are not allowed SoFi doesn't allow co-signers to help you get approved for an individual loan. Co-signers provide additional security to SoFi and are liable for the loan should you fail to repay. It is possible to apply with co-applicant, but it is similar; a co-applicant is someone who applies with you and is jointly responsible in the loan. The minimum loan size is $5,000: While some personal loan companies offer loans that are as low as $1000 (or less) SoFi demands the minimum amount to be $5,000. loan size. Relatively high credit requirements Although SoFi does not provide the minimum requirements for credit scores, you (or your co-applicant) will typically need good to excellent credit to qualify for a SoFi personal loan. SoFi could be a great choice, particularly if needing money fast, but If your credit score isn't in good standing, you may not be eligible. Check out the top lenders by using our selection of the best personal loans. Different types of Personal Loans offered by SoFi SoFi offers unsecured personal loans for various use cases such as: Improvements to your home Consolidating high-interest credit cards and other debts Medical bills Vacation expenses Weddings are expensive and you have to pay for it. The cost of buying a new or used vehicle They cannot be used to pay for any post-secondary educational expenses or business expenses. It goes without saying, SoFi personal loans cannot be used to fund criminal activities. Time to Receive Funds SoFi provides same-day financing on certain loans, putting money into the borrower's bank account on the next business day after it is approved. loan approval is granted. SoFi states that "86% of typically SoFi Personal Loan applications, which exclude the Direct Pay personal loans and refinancing of Personal Loans, between 1 January 2021 through January 1, 2021 that were approved prior to 7 p.m. ET on a business day were funded the same day."2 Borrower Requirements To be eligible to receive the SoFi personal loan, you must satisfy the following criteria for eligibility:3 You are at least the age of majority in your state and capable of signing an agreement that is legally binding. You're either an United States citizen, eligible permanent resident, or non-permanent resident non-permanent resident (including DACA recipients and asylum seekers). Documentation could be required. You are a resident of any of 50 U.S. states or Washington, D.C. You must be employed, earn sufficient income through other means, or hold an offer of employment that is scheduled to start within the next 90 days. Qualify based on financial history, credit score, and other variables SFI Personal Loan Features Make use of your loan for (almost) anything: Outside of post-secondary educational expenses and business expenses you can utilize your loan for almost any expense. Direct Pay SoFi will pay off any credit cards you are eligible to use directly, if you choose.4 This can take up to three business days after the loan is signed. Unemployment protection: SoFi will pause your payments for up to 3 months at a time in the event that you become unemployed. A total of 12 months of unemployment coverage is offered over the duration of a loan. Benefits for members: SoFi provides numerous benefits for members, including bonus points for referrals and rate reductions. Particularly, SoFi offers a 0.125 per cent rate reduction on personal loans to customers who have a SoFi Money account.5 Access to career coaches as well as financial advisors: All SoFi customers have access to financial advisors and career coaches free of charge. you can schedule a 1:1 call, or simply converse over emails to have your financial and career questions addressed by a professional. SoFi's unemployment protection program can prove useful, however, be aware that interest may continue to accrue throughout the period of forbearance, which will make your monthly payments more expensive and extend the loan time to pay off. Co-Signers and Co-Applicant SoFi doesn't support co-signers at this time however, you can apply for a co-applicant on any personal loan. A co-applicant is jointly liable for the loan and must be residing in the exact same location as the principal applicant, unlike co-signers. Are you dissatisfied that SoFi doesn't permit co-signers? Check out our recommendations for the best personal loans with co-signers. Can Refinance a Personal Loan With SoFi? Yes, you are able to refinance a SoFi personal loan with SoFi. The rates and terms of the loan may vary at the time of application, and it could not save you money compared to your initial loan. There are a few things to think about if you're trying to refinance your SoFi personal loan: All SoFi loans have to be in good standing You can't refinance your personal loan using a co-borrower At minimum three consecutive on-time payments You have to still be eligible in accordance with SoFi personal loan qualifications Refinance your SoFi personal loan directly within your account. Be sure to read the terms and details of the loan before refinancing. Customer Service SoFi provides support via email, phone, or live chat during the business hours. SoFi's customer support times for personal loans are from Monday to Thursday, 5 a.m. until 7 p.m. (PT) and Friday through Sunday 5 a.m. to 5 p.m. PT. Email: customerservice@sofi.com Phone: (855) 456-SOFI (7634)6 Customer Satisfaction SoFi is ranked as a top-ten individual loan lender in the most recent J.D. Power Consumer Lending Satisfaction study and is ranked in eighth place.7 And reviewers on Trustpilot give SoFi 4.4 5 out of five stars, with more than 4000 reviews submitted. The reviews mention the exceptional customer service and quick loan application process as reasons for the top rating.8 Applying for a SoFi Personal Loan You can apply for a SoFi personal loan online adhering to these four steps. 1. Pre-Qualification SoFi provides an online application to pre-qualify, which allows you to examine rates and loan terms without hurting your credit score. You'll need to submit the following details: Full name Current address Income information Birth date 2. Lending Selection SoFi will provide you with loan options you can qualify for, including the interest rates and loan terms. Loan terms vary from 24 months up to 84 months, and interest rates may vary by loan term and the amount you choose to borrow. Choose a loan to begin your application. 3. Submit Application Once you have selected for a loan it is time to complete your online application. You may be required to submit various documents, both financial and identifying such as: Tax forms Bank statements Pay stubs Driver's license Other documents 4. Sign the Documents In order to submit to submit your loan application, you'll need to sign your loan agreement. After signing the agreement, your loan can be funded as soon as the same day. Loans are usually paid by ACH directly to your bank account, except for Direct Pay loans, which are made directly to the creditor. Alternate Personal Loan Lenders SoFi LightStreamHappy Money APR Range7.99%-23.43%6.99%-22.49 7 - 29.99% %7.99%-29.99 percent Loan Amount $5,000-$100,000Between $5,000 and $100,000, $5,000 to $40,000 The Loan Terms are2-7 years 2-12 years2-5 years Minimum Credit ScoreNot disclosed 660644. Origination Fee NoneNo0%-5 percent Time to Receive Loan The same day the same day,2 business days Final Verdict SoFi provides a variety of personal loan options for borrowers, without loan charges as well as competitive rates and great benefits for members. The borrower can enjoy reduced rates on any additional loans and also access to career coaches and financial experts to answer any questions. SoFi is ideal for borrowers with decent credit scores, since it offers fairly affordable rates for applicants who are highly qualified when compared with other lenders. Minimum loan amount is fairly high, but If you've got good credit and require at least $5,000 of funding, SoFi is one of the best options available to personal loans. Shopping around will ensure that you're not paying more for a personal loan than you need to. If SoFi isn't a good choice for you, continue the look by using our suggestions for the best personal loans. Methodology Investopedia is committed to providing its users with objective, comprehensive review of the best personal loan lenders. To assess lenders we have gathered hundreds of data points from forty lenders, including fees, rates of interest, loan amounts, and the terms of repayment, to ensure that our reviews help customers make informed choices regarding their needs with regard to borrowing. Article Sources Related Articles Personal Loan Provider Rating Methodology Reviews Personal Credit Provider Methodology for Rating A person compares interest rates on different loans Personal Credit What You Should Know Before applying for a personal loan Man looking over papers Personal Loans Payday Loans are different from. Personal Loans What's the difference? A woman seated at the desk of an office paying attention to a computer screen Personal Finance News How the rising interest rates on personal loans Rates Will Impact Borrowers Model of a house using a calculator Mortgage Mortgage Calculator Personal Credit Title Loans in comparison to. Payday loans: What's the Difference? If you are you looking for more info regarding Payday Loans Near Me; www.southafricaproject.info, visit the web-site. |
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