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Personal Loans Reviews SoFi Personal Loans Review SoFi provides up to $100k in funding with no loan charges By Jacob Wade Updated 16 November 2022 Checked for accuracy by Maddy Simpson We suggest the top products by conducting an independent review process and the advertisers are not a factor in our recommendations. We may receive compensation for visiting 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 low interest rates, no fees, and the ability to be pre-approved. However, some applicants might have to wait for approval which can last up to 2 weeks. Credit requirements could be high. The Best Rated for Best Overall Best IVF Loans The best option for early repayment Best Installment Loans Best for Unemployment Security Best Wedding Loans Most effective for quick loan funding The most low-interest personal loans The Best Overall Home Improvement Loans The Best Loans and Loans to Get Excellent Credit The Best Personal Loans Online. Loans Best Personal Loans, Best Overall Best Overall Best Debt Consolidation Loans Ideal for larger loans Solar Panel Loans Pros & Cons Important Takeaways Company Overview specifications Pros There aren't any loan fees Low rates Up to $100,000 in loans Unemployment protection available Cons Co-signers are not available The minimum loan amount is $5,000 Relatively high credit requirements Why Trust Us 38 Lenders reviewed 40 Loan features considered 1,520 Data points that are analyzed 112 Primary sources of data used Investopedia identified crucial data points from various lenders to determine the most crucial factors for borrowers. We then used the data to analyze each lender's charges and accessibility, repayment terms, and other characteristics to offer unbiased, comprehensive reviews to help our customers make the right borrowing decision for their specific needs. Check out our full Methodology SoFi Overall rating 4.9 Check Rates Table of Contents Pros Explained Cons Explained Different types of loans Time to Funding Borrower Requirements Features Customer Service Customer Satisfaction How to apply for a personal SoFi Loan Alternative Personal Lenders for Loans Methodology Pros Explained There are no loan charges: SoFi does not charge any origination charges on loans which can save a lot of money in comparison to other lenders who charge as high as 10 percent. In addition, there is no prepayment, application, or late payment charges. Rates that are low: SoFi offers rates as low as 7.99% on unsecured personal loans (after the autopay discount). This is the lowest rate you can get for the majority of online personal loans which is why if you have good credit you can cut down on interest charges when taking out a consolidation loan or making big purchases. The loan can be up to $100,000. While most personal loan companies don't offer greater than $50k, SoFi can offer up to $100,000 for those who are eligible. Unemployment protection available: SoFi provides unemployment protection for personal loans which allows the customer to defer payments for up to 3 months in the event that there is a loss of employment. SoFi also offers career counseling to help you find a job in this time.1 Pros and Cons Explained Co-signers not available SoFi is not able to accept co-signers to aid you in qualifying for a personal loan. Co-signers offer additional assurance to SoFi and are liable for the loan if you default. You may apply with co-applicants, however, which is the same thing; a co-applicant is a person who applies with you and is jointly accountable to the loan. The minimum loan sum is $5,000: While some personal loan companies offer loans that are as low as $1000 (or less) SoFi demands an initial $5,000 loan size. High credit scores Although SoFi does not disclose their minimum score for credit however, you (or the co-applicant) will typically need good or excellent credit score to be able to get a SoFi private loan. SoFi is a good pick, especially if you're needing money fast, but when your credit isn't good shape you may not qualify. Explore the top lenders using our selection of the best personal loans. Types of Personal Loans Offered by SoFi SoFi offers unsecured personal loans for various use cases such as: Home improvements Consolidating high-interest credit cards as well as other debts Medical bills Vacation expenses Weddings are expensive and you have to pay for it. In the process of purchasing a brand new or used car Loans cannot be used to cover any post-secondary education expenses or business expenses. It goes without saying, SoFi personal loans cannot be used for illicit activities. Time to Receive Funds SoFi provides same-day financing on some applications, depositing cash into the borrower's bank account on the same day they are approved for the loan is approved. SoFi states that "86% of typical SoFi Personal Loan applications excluding Direct Pay Personal Loans and Personal Loan refinance, from January 1, 2021 to December 1, 2021, that were signed before 7 p.m. ET on a day that was a business day were financed the same day."2 Borrower Requirements To qualify for the SoFi personal loan, you must meet the following eligibility requirements:3 At least you are the age of majority in your state , and capable of signing an agreement that is legally binding. You're either a United States citizen, eligible permanent resident or non-permanent resident alien (including DACA recipients and asylum seekers). Documentation could be required. You are a resident of one of the 50 U.S. states or Washington, D.C. You must be employed, have sufficient income via other sources or have an offer of employment to start within the next 90-day period. The criteria for determining eligibility are based on your financial history, credit score, and other variables The SoFi Personal Loan features Make use of your loan for (almost) anything: Outside of post-secondary costs for education and business you can utilize your loan to cover almost any expenditure. Direct Pay SoFi will pay off your eligible credit cards directly, if you so choose.4 This can take as long as three business days following the date your loan is signed. Unemployment protection: SoFi will pause your payments for upto three months at a time in the event that you lose your job. A total of 12 months of unemployment insurance is available for the duration of a loan. Benefits for members: SoFi provides various benefits to members, such as referral bonuses and rate discounts. Particularly, SoFi offers a 0.125 percent reduction in the rate of personal loans to customers who also have a SoFi Money account.5 Career coaches as well as financial advisers. SoFi customers have access to financial advisors and career coaches free of charge. You can set up the opportunity to speak with a coach in a 1:1 manner, or just chat via emails to have your financial and career questions answered by a professional. The unemployment protection program offered by SoFi can be beneficial, but you must be aware that the interest rate will continue to accrue throughout your forbearance period, which will increase your monthly payments and prolong the loan payoff timeline. Co-Signers and Co-Applicant SoFi is not able to accept co-signers at this time however, you can add a co-applicant to the personal loan. The co-applicant is jointly responsible for the loan, and must live at the same address as the primary applicant, unlike co-signers. Are you disappointed that SoFi does not allow co-signers? See our picks for the best personal loans that allow co-signers. Can You Refinance a Personal Loan Through SoFi? Yes, you are able to refinance an SoFi personal loan through SoFi. Your rates and terms might differ depending on the date of application, and it may not end up saving you money as compared to your original loan. There are some things to take into consideration if looking to refinance your personal loan: All SoFi loans must be in good standing. It isn't possible to refinance a personal loan using co-borrowers You must have made at minimum three consecutive on-time payments You still need to be able to qualify in accordance with SoFi personal loan qualifications Refinance your SoFi personal loan directly in your account. Be sure to read the terms and conditions of your loan prior to refinancing. Customer Service SoFi provides support via phone, email or live chat in working hours. SoFi customer service hours for personal loans are Monday through Thursday, 5 a.m. to 7 p.m. PST, and Friday to Sunday from 5 a.m. to 5 p.m. PST. Email: customerservice@sofi.com Phone: (855) 456-SOFI (7634)6 Customer Satisfaction SoFi was ranked as a top-ten individual loan lender in the latest J.D. Power Consumer Lending Satisfaction Study, coming in eighth place.7 Reviewers on Trustpilot have given SoFi 4.4 5 out of 5 stars, with over 4,000 reviews posted. Reviews state the outstanding customer service as well as the speedy loan application process as the reasons for the top rating.8 How to apply for a personal SoFi Loan You are able to make an application for the SoFi personal loan on the internet by following these steps. 1. Pre-Qualification SoFi provides an online application to pre-qualify that lets you check your rates and loan conditions without affecting the credit rating. The information you need to provide is the following information: Full name Current address Information on income Date of birth 2. Loan Selection SoFi will show you the loan options you qualify for, including the interest rates and loan term lengths. The loan terms range from 24 months to the length of 84 months. In addition, interest rates will vary depending on the loan duration and amount you choose to be able to borrow. Select a loan to begin your application. 3. Submit Application Once you have selected the loan then you'll need to complete your online application. It is possible that you will be required to provide various financial and identifying documentation, including: Tax forms Bank statements Stubs of pay Driver's license Other documents 4. Sign Documents In order to submit your loan application, you will be required to sign an agreement to sign the loan agreement. Once you have signed the agreement, your loan may be funded as soon as the next business day. Loans are typically disbursed via ACH directly to your bank account except for Direct Pay loans, which are made directly to the creditor. Other Personal Loan Lenders SoFi LightStreamHappy Money APR Variation7.99%-23.43%6.99%-22.49 7 - 29.99% %7.99%-29.99 7.99 % The loan amount is $5,000 to $100,000.$5,000-$100,000 $5,000-$40,000 The Loan Terms are2-7 years 2-12 years2-5 years Recommended Minimum Credit ScoreNot Known 660640 Origination Fee NoneNone0%-5% Time to Receive Loan theSame day Same day 2 business days Final Verdict SoFi offers a wide variety options for personal loan options for borrowers that come with no loan fees, competitive rates, and fantastic benefits for members. The borrower can enjoy reduced rates on any additional loans, as well as access to career coaches and financial experts who can solve any issues. SoFi is ideal for borrowers who have good credit scores since it offers fairly affordable rates for applicants who are highly qualified when compared with other lenders. The minimum loan amount is pretty expensive, however, if you have excellent credit and require at least $5,000 of funding, SoFi is one of the top options to personal loans. Doing some research will ensure that you're not paying any more for an individual loan than you need to. If SoFi isn't the right lender for you, you can continue the search with our choices for the best personal loans. Methodology Investopedia is committed to providing its users with objective and comprehensive evaluations of private loan lenders. To evaluate lenders we have gathered thousands of points from over 40 lending institutions. This includes interest rates, fees, loan amounts, and the terms of repayment, to ensure that our reviews assist consumers make educated choices for their borrowing requirements. Article Sources Related Articles Personal Loan Provider Rating Methodology Reviews Personal Loan Provider Rating Methodology An individual compares the interest rates on different loans Personal Credit Things You Need to Know Prior to Taking Out a Personal Loan Man looking over papers Personal Lending Payday Loans are different from. Personal Loans: What's the Difference? A woman sitting at the desk of an office watching intently at a computer screen Personal Finance News How Rising Personal Loan Interest Rates will affect Borrowers House model on the calculator Mortgage Mortgage Calculator Personal Credit Title Loans vs. Payday loans What's the difference? Here is more info regarding Payday Loans Near Me - syskid.org, take a look at the site. |
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