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The American Bar Association has teamed up with SoFi at Work to help you reach your financial goals—and save some money at the same time. 

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Serious savings

Save thousands of dollars thanks to flexible terms and low fixed or variable rates. 

 Student Loan Refinancing 

You deserve low rates—fixed interest rates start at 2.99% APR* (with autopay).

Student Loan
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This powerful tool gives you a personalized student debt assessment to help you figure out what refinance options are available to help pay your loan down sooner.

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 0.25% rate discount 

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 Parent PLUS Refinancing 

Refinance the loans you’ve taken on to fund your kid’s education with fixed rates that start at 2.99% APR* (with autopay). 

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Private Student Loans

Can you love a student loan? Absolutely. SoFi's helping students pay for school with our no-fee private student loans.

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 Student Loan Refinancing 

You deserve low rates—fixed interest rates start at 2.99% APR* (with autopay).

 0.125% rate discount 

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 Parent PLUS Refinancing 

Refinance the loans you’ve taken on to fund your kid’s education with fixed rates that start at 2.99% APR* (with autopay). 

 0.125% rate discount 

Find my rate

 Student Loan Refinancing 

You deserve low rates—fixed interest rates start at 2.99% APR* (with autopay).

 $400 Welcome Bonus 

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 Student Loan Refinancing 

You deserve low rates—fixed interest rates start at 2.99% APR* (with autopay).

 $500 Welcome Bonus 

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 Student Loan Refinancing 

You deserve low rates—fixed interest rates start at 2.99% APR* (with autopay).

 $599 Welcome Bonus 

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Home Loan Refinancing

No matter what your reasons for refinancing may be, SoFi could help you save money—and make sure the process is as stress-free and transparent as possible.

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Student loans are complicated things, and trying to figure out the best route for you is not always easy. Watch the video below as we break down the pros and cons of refinancing.

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Get the lowdown on student loans.

With more changes to the student loan landscape than outfits at a Lady Gaga concert, you’d be forgiven for not knowing what’s happening and how it all affects you. Our webinar’s guests have answers for the questions you have—and some you didn’t think to ask.

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Arm yourself with knowledge on your journey to financial independence with access to our financial library, Student Loan Debt Navigator tool, and complimentary SoFi Financial Planners. 

Should you refinance your student loan?

Checking your rate will not affect your credit score.

Checking your rate will not affect your credit score.

Parent PLUS Refinancing

Refinance the loans you’ve taken on to fund your kid’s education with fixed rates that start at 2.99% APR* (with autopay).

     $400 WELCOME BONUS 1

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Checking your rate will not affect your credit score.

Student Loan Refinancing 

You could save thousands of dollars thanks to low fixed rates starting at 2.99% APR* (with autopay) and flexible terms.

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Buying a home doesn’t have to be stressful. With SoFi, you can make your dream home a reality with competitive rates.

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Low rates, no fees—personal loans made easy. Fixed personal loan rates start at 5.99%** (with autopay). 

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Designed to help you save, invest, and pay down debt.^

Earn up to 2% unlimited cash back when you redeem it^ to save, invest, or pay down eligible SoFi loans—plus there's no annual fee.††

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When it comes to your money, don’t blow it, know it.

Know where your money is going? SoFi Relay tracks all of your money, all in one place. Get spending breakdowns, financial insights, credit score monitoring, and more—all at no cost.

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††See Pricing, Terms & Conditions

Student Loan Refinancing: Terms and conditions apply. SOFI RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS AND BENEFITS PROSPECTIVELY BASED ON MARKET CONDITIONS AND BORROWER ELIGIBILITY. Your existing student loan(s) must total a minimum of $5,000 to be eligible for refinancing. Minimum loan amount may be higher in specific states due to legal requirements. To qualify, a borrower must be a U.S. citizen or other eligible status, have graduated with an associate degree or higher from an eligible Title-IV-accredited college or graduate program, and meet SoFi’s underwriting requirements; see SoFi.com/eligibility. SoFi refinance loans are private student loans and do not have the same repayment options that the federal loan program offers, or may become available, such as Income Based Repayment or Income Contingent Repayment or PAYE. Loans originated by SoFi Lending Corp. or an affiliate (dba SoFi). Licensed by the DFPI under the California Financing Law, license #6054612. NMLS #1121636 (www.nmlsconsumeraccess.org). See SoFi.com/legal for state-specific license details.

2$400 cash bonus for refinancing your student loan: Terms and conditions apply. Offer is subject to lender approval, and not available to residents of Ohio. The offer is only open to new student loan refinance borrowers and may not be combined with other offers aside from the autopay discount. To receive the offer, you must: (1) register and/or apply through this landing page; (2) complete a loan application with SoFi; (3) have and provide a valid US bank account to receive bonus; (4) complete Form W-9; (5) and meet SoFi’s underwriting criteria. Once conditions are met and the loan has been disbursed, you will receive your welcome bonus via automated clearing house (ACH) into your checking account within 30 calendar days. Bonuses that are not redeemed within 180 calendar days of the date they were made available to the recipient may be subject to forfeit. Bonus amounts of $600 or greater in a single calendar year may be reported to the Internal Revenue Service (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 bonus 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.

Private Student Loans: Terms and Conditions Apply. SOFI RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS AND BENEFITS AT ANY TIME WITHOUT NOTICE. SoFi Private Student Loans are subject to program terms and restrictions, such as completion of a loan application and self-certification form, verification of application information, the student's at least half-time enrollment in a degree program at a SoFi-participating school and, if applicable, a co-signer. In addition, borrowers must be U.S. citizens or other eligible status and must meet SoFi’s underwriting requirements, including verification of sufficient income to support your ability to repay. Minimum loan requirements may be higher than $5,000 in specific states due to legal requirements. See SoFi.com/eligibility for more information. Lowest rates reserved for the most creditworthy borrowers. SoFi reserves the right to modify eligibility criteria at any time. This information is subject to change.

Please borrow responsibly. SoFi Private Student Loans are not a substitute for federal loans, grants, and work-study programs. We encourage you to evaluate all your federal student aid options before you consider any private loans, including ours. Read our 
FAQs.
 
3$250 Personal Student Loan Principal Paydown: For applicants who apply for a private student loan through an eligible SoFi at Work partner, or through another eligible participating offer, SoFi will make a one-time principal payment towards the borrower's loan balance after the loan is fully disbursed. This one-time principal payment will not relieve borrowers of their obligation to make any regularly scheduled monthly payment. SoFi, at its sole discretion, reserves the right to change or terminate this principal paydown program at any time, with or without notice. Additional terms and conditions may apply.

Parent PLUS Loans: Terms and conditions apply. SOFI RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS AND BENEFITS PROSPECTIVELY BASED ON MARKET CONDITIONS AND BORROWER ELIGIBILITY. Your existing student loan(s) must total a minimum of $5,000 to be eligible for refinancing. Minimum loan amount may be higher in specific states due to legal requirements. To qualify, a borrower must be a U.S. citizen or other eligible status, have graduated with an associate degree or higher from an eligible Title-IV-accredited college or graduate program, and meet SoFi’s underwriting requirements; see SoFi.com/eligibility SoFi refinance loans are private student loans and do not have the same repayment options that the federal loan program offers, or may become available, such as Income Based Repayment or Income Contingent Repayment or PAYE. Loans originated by SoFi Lending Corp. or an affiliate (dba SoFi). Licensed by the DFPI under the California Financing Law, license #6054612. NMLS #1121636 (www.nmlsconsumeraccess.org). See SoFi.com/legal for state-specific license details.
 
1$400 cash bonus for refinancing your Parent PLUS loan: Terms and conditions apply. Offer is subject to lender approval, and not available to residents of Ohio. The offer is only open to new Parent PLUS loan refinance borrowers and may not be combined with other offers aside from the autopay discount. To receive the offer, you must: (1) register and/or apply through this landing page; (2) complete a loan application with SoFi; (3) have and provide a valid US bank account to receive bonus; (4) complete Form W-9; (5) and meet SoFi’s underwriting criteria. Once conditions are met and the loan has been disbursed, you will receive your welcome bonus via automated clearing house (ACH) into your checking account within 30 calendar days. Bonuses that are not redeemed within 180 calendar days of the date they were made available to the recipient may be subject to forfeit. Bonus amounts of $600 or greater in a single calendar year may be reported to the Internal Revenue Service (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 bonus 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.

Personal Loans: 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 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. Loans originated by SoFi Lending Corp. or an affiliate (dba SoFi) are subject to state restrictions and may not be available in all states, such as MS; see  SoFi.com/eligibility-criteria or details and state restrictions. Minimum loan requirements might be higher than $5,000 in specific states due to legal requirements and interest-rate caps may be lower in some states due to legal requirements and may impact your eligibility to qualify for a SoFi loan. Loans originated by SoFi Lending Corp. or an affiliate, licensed by the Department of Financial Protection and Innovation under the California Financing Law License No. 6054612. NMLS #1121636 (www.nmlsconsumeraccess.org).

4$100 cash bonus for securing a personal loan: Terms and conditions apply. Offer is subject to lender approval, and not available to residents of Ohio. The offer is only open to new SoFi At Work borrowers and may not be combined with other offers aside from the autopay discount. To receive the offer, you must: (1) register and/or apply through the referral link you were given; (2) complete a loan application with SoFi; (3) have and provide a valid US bank account to receive bonus; (4) complete Form W-9; (5) and meet SoFi’s underwriting criteria. Once conditions are met and the loan has been disbursed, you will receive your welcome bonus via automated clearing house (ACH) into your checking account within 30 calendar days. Bonuses that are not redeemed within 180 calendar days of the date they were made available to the recipient may be subject to forfeit. Bonus amounts of $600 or greater in a single calendar year may be reported to the Internal Revenue Service (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 bonus 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.
 
4$200 cash bonus for securing a personal loan: Terms and conditions apply. Offer is subject to lender approval, and not available to residents of Ohio. The offer is only open to new SoFi At Work borrowers and may not be combined with other offers aside from the autopay discount. To receive the offer, you must: (1) register and/or apply through the referral link you were given; (2) complete a loan application with SoFi; (3) have and provide a valid US bank account to receive bonus; (4) complete Form W-9; (5) and meet SoFi’s underwriting criteria. Once conditions are met and the loan has been disbursed, you will receive your welcome bonus via automated clearing house (ACH) into your checking account within 30 calendar days. Bonuses that are not redeemed within 180 calendar days of the date they were made available to the recipient may be subject to forfeit. Bonus amounts of $600 or greater in a single calendar year may be reported to the Internal Revenue Service (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 bonus 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.

Home Loans: Terms and conditions apply. Before you apply for a SoFi Home Loan, we’d like you to be aware that not all loan programs are available in all states. Learn more at SoFi.com/legal/#mortgage-licenses. SoFi Home Loans are eligible for Primary or Second Home residences. SoFi Home Loans are subject to additional credit, income, property, loan amount and other eligibility restrictions and limitations. Lowest rates reserved for the most creditworthy borrowers. Product, rates, benefits, terms and conditions are subject to change without notice. Learn more at  SoFi.com/eligibility-criteria. Licensed by the Department of Financial Protection and Innovation under the California Financing Law, license # 6054612. SoFi loans are originated by SoFi Lending Corp. or an affiliate (dba SoFi), NMLS # 1121636 (www.nmlsconsumeraccess.org).

Loans originated by SoFi Lending Corp. or an affiliate. NMLS #1121636. SoFi Lending Corp. or affiliates (dba SoFi). 2750 E. Cottonwood Parkway #300 Cottonwood Heights, UT 84121. Terms, conditions, and state restrictions apply. Licensed in: Alabama Consumer Credit License #21983. Arizona Mortgage Banker License #BK-0934275. Arizona 1035 W Queen Creek Rd Ste 101, Chandler, AZ 85248. Licensed by the Department of Financial Protection and Innovation under the California Financing Law License #6054612. Arkansas SoFi Lending Corp. or an affiliate. 201 East Markham Street, Little Rock, Arkansas 72201. Colorado Mortgage Company Registration License #1121636. Licensed by the Connecticut Department of Banking – Mortgage Lender License #ML-1121636. Delaware Lender License #30278. District of Columbia Mortgage Dual (Lender & Broker) Authority License #MLB 1121636. Florida Mortgage Lender Servicer License #MLD1108. Georgia Mortgage Lender License #42010. Idaho Mortgage Broker Lender License #MBL 8673. Illinois Residential Mortgage License #MB 6761063. Indiana First Lien Mortgage Lending License #25660. Iowa Mortgage Banker License #2019-0054. Kansas Mortgage Company, License #MC.0025600. Kentucky Mortgage Company License #MC701438. Louisiana - SoFi Lending Corp. or an affiliate., Louisiana Residential Mortgage Lending License. Maine Supervised Lender License NMLS #1121636. Maryland Mortgage Lender License #21585. Massachusetts Mortgage Lender and Mortgage Broker License MC1121636. Michigan 1st Mortgage Broker/Lender Registrant #FR0020980. Minnesota Residential Mortgage Originator License #MN-MO-1121636. Mississippi SoFi Lending Corp. or an affiliate., Post Office Box 12129, Jackson, Mississippi 32936. Licensed by the Montana Division of Banking and Financial Institutions, Montana Mortgage Lender License #1121636. Nebraska NMLS Number: 1121636 (877) 471-3445. Nevada Mortgage Broker License #4635. New Hampshire Mortgage Banker License #MLB 23682. 2750 E Cottonwood Parkway, Suite 300 Cottonwood Heights, UT 84121. Toll Free Number: 866-357-6342. Licensed by the New Jersey Department of Banking and Insurance, Residential Mortgage Lender License #1121636. North Carolina Mortgage Lender License #L-160812. North Dakota Money Broker License #MB102764. Ohio SoFi Lending Corp. or an affiliate., NMLS Number: 1121636, Residential Mortgage Lending Act Certificate of Registration: RM.804475.000. Oklahoma NMLS Number: 1121636 Mortgage Lender License: ML012338. Oregon Mortgage Lending License #ML-5418. Licensed by the Pennsylvania Department of Banking Mortgage Lender License #46311. Rhode Island Lender License #20153065LL. Licensed by the South Carolina State Board of Financial Institutions, Lender/Servicer License #MLS1121636. Licensed by the South Carolina State Board of Financial Institutions, Lender/Servicer License-Other Trade Name # MLS – 1121636 OTN #1. South Dakota Mortgage Lender License # ML 05296. Tennessee Mortgage Lending License #127518. Texas SML Residential Mortgage Loan Originator, License #1121636. SoFi Texas office: 2601 Network Blvd., Suite 600, Frisco, TX 75034. This office is licensed and examined by the Office of Consumer Credit Commissioner Texas Department of Savings and Mortgage Lending of the State of Texas. Licensed by the Utah Department of Real Estate, Utah-DRE Mortgage Entity License #10293902. Licensed by the Utah Department of Real Estate, Utah-DRE Mortgage Entity License – Other Trade Name #1 #9223125. Utah-DRE Mortgage Branch Office #10293918. Licensed by the Vermont Banking Division – Lender License #6705. Licensed by the Virginia Bureau of Financial Institutions – Lender License #MC - 5906. NMLS ID #1121636. Washington Consumer Loan Company License CL-1121636. Wisconsin Mortgage Banker License #1121636BA. Wyoming Mortgage Lender License #2659. See SoFi mortgage eligibility and full licensing details at SoFi.com/legal/#mortgage-licenses License information current as of 03/01/2021. (www.nmlsconsumeraccess.org)
 
5$500 home loan member fee discount: Existing eligible SoFi members with a SoFi Personal Loan, Student Loan or who have a minimum balance of $50,000 in their SoFi Invest accounts at the time of application, can receive a one time $500 discount on SoFi’s $1,495 Home Loan Processing Fee on their first SoFi Home Loan. Based on regulatory requirements, the name of this fee may vary in certain states. To be eligible, member must be in good standing with their current and prior SoFi loans. SoFi reserves the right to change or terminate either of these discounts at any time with or without notice. For complete terms and eligibility, please visit SoFi.com/legal/#MemberRateDiscount.
 
5$599 home loan member fee discount: Existing eligible SoFi members with a SoFi Personal Loan, Student Loan or who have a minimum balance of $50,000 in their SoFi Invest accounts at the time of application, can receive a one time $599 discount on SoFi’s $1,495 Home Loan Processing Fee on their first SoFi Home Loan. Based on regulatory requirements, the name of this fee may vary in certain states. To be eligible, member must be in good standing with their current and prior SoFi loans. SoFi reserves the right to change or terminate either of these discounts at any time with or without notice. For complete terms and eligibility, please visit SoFi.com/legal/#MemberRateDiscount.

Home Loan Refinancing: Terms and conditions apply. Before you apply for a SoFi Home Loan, we’d like you to be aware that not all loan programs are available in all states. Learn more at SoFi.com/legal/#mortgage-licenses.. SoFi Home Loans are eligible for Primary or Second Home residences. SoFi Home Loans are subject to additional credit, income, property, loan amount and other eligibility restrictions and limitations. Lowest rates reserved for the most creditworthy borrowers. Product, rates, benefits, terms and conditions are subject to change without notice. Learn more at SoFi.com/eligibility-criteria. Licensed by the Department of Financial Protection and Innovation under the California Financing Law, license # 6054612. SoFi loans are originated by SoFi Lending Corp. or an affiliate (dba SoFi), NMLS # 1121636 (www.nmlsconsumeraccess.org).

Loans originated by SoFi Lending Corp. or an affiliate. NMLS #1121636. SoFi Lending Corp. or affiliates (dba SoFi). 2750 E. Cottonwood Parkway #300 Cottonwood Heights, UT 84121. Terms, conditions, and state restrictions apply. Licensed in: Alabama Consumer Credit License #21983. Arizona Mortgage Banker License #BK-0934275. Arizona 1035 W Queen Creek Rd Ste 101, Chandler, AZ 85248. Licensed by the Department of Financial Protection and Innovation under the California Financing Law License #6054612. Arkansas SoFi Lending Corp. or an affiliate. 201 East Markham Street, Little Rock, Arkansas 72201. Colorado Mortgage Company Registration License #1121636. Licensed by the Connecticut Department of Banking – Mortgage Lender License #ML-1121636. Delaware Lender License #30278. District of Columbia Mortgage Dual (Lender & Broker) Authority License #MLB 1121636. Florida Mortgage Lender Servicer License #MLD1108. Georgia Mortgage Lender License #42010. Idaho Mortgage Broker Lender License #MBL 8673. Illinois Residential Mortgage License #MB 6761063. Indiana First Lien Mortgage Lending License #25660. Iowa Mortgage Banker License #2019-0054. Kansas Mortgage Company, License #MC.0025600. Kentucky Mortgage Company License #MC701438. Louisiana - SoFi Lending Corp. or an affiliate., Louisiana Residential Mortgage Lending License. Maine Supervised Lender License NMLS #1121636. Maryland Mortgage Lender License #21585. Massachusetts Mortgage Lender and Mortgage Broker License MC1121636. Michigan 1st Mortgage Broker/Lender Registrant #FR0020980. Minnesota Residential Mortgage Originator License #MN-MO-1121636. Mississippi SoFi Lending Corp. or an affiliate., Post Office Box 12129, Jackson, Mississippi 32936. Licensed by the Montana Division of Banking and Financial Institutions, Montana Mortgage Lender License #1121636. Nebraska NMLS Number: 1121636 (877) 471-3445. Nevada Mortgage Broker License #4635. New Hampshire Mortgage Banker License #MLB 23682. 2750 E Cottonwood Parkway, Suite 300 Cottonwood Heights, UT 84121. Toll Free Number: 866-357-6342. Licensed by the New Jersey Department of Banking and Insurance, Residential Mortgage Lender License #1121636. North Carolina Mortgage Lender License #L-160812. North Dakota Money Broker License #MB102764. Ohio SoFi Lending Corp. or an affiliate., NMLS Number: 1121636, Residential Mortgage Lending Act Certificate of Registration: RM.804475.000. Oklahoma NMLS Number: 1121636 Mortgage Lender License: ML012338. Oregon Mortgage Lending License #ML-5418. Licensed by the Pennsylvania Department of Banking Mortgage Lender License #46311. Rhode Island Lender License #20153065LL. Licensed by the South Carolina State Board of Financial Institutions, Lender/Servicer License #MLS1121636. Licensed by the South Carolina State Board of Financial Institutions, Lender/Servicer License-Other Trade Name # MLS – 1121636 OTN #1. South Dakota Mortgage Lender License # ML 05296. Tennessee Mortgage Lending License #127518. Texas SML Residential Mortgage Loan Originator, License #1121636. SoFi Texas office: 2601 Network Blvd., Suite 600, Frisco, TX 75034. This office is licensed and examined by the Office of Consumer Credit Commissioner Texas Department of Savings and Mortgage Lending of the State of Texas. Licensed by the Utah Department of Real Estate, Utah-DRE Mortgage Entity License #10293902. Licensed by the Utah Department of Real Estate, Utah-DRE Mortgage Entity License – Other Trade Name #1 #9223125. Utah-DRE Mortgage Branch Office #10293918. Licensed by the Vermont Banking Division – Lender License #6705. Licensed by the Virginia Bureau of Financial Institutions – Lender License #MC - 5906. NMLS ID #1121636. Washington Consumer Loan Company License CL-1121636. Wisconsin Mortgage Banker License #1121636BA. Wyoming Mortgage Lender License #2659. See SoFi mortgage eligibility and full licensing details at SoFi.com/legal/#mortgage-licenses. License information current as of 03/01/2021. (www.nmlsconsumeraccess.org)
 
6$500 home loan refinancing member fee discount: Existing eligible SoFi members with a SoFi Personal Loan, Student Loan or who have a minimum balance of $50,000 in their SoFi Invest accounts at the time of application, can receive a one time $500 discount on SoFi’s $1,495 Home Loan Processing Fee on their first SoFi Home Loan. Based on regulatory requirements, the name of this fee may vary in certain states. To be eligible, member must be in good standing with their current and prior SoFi loans. SoFi reserves the right to change or terminate either of these discounts at any time with or without notice. For complete terms and eligibility, please visit SoFi.com/legal/#MemberRateDiscount.
 
6$599 home loan refinancing member fee discount: Existing eligible SoFi members with a SoFi Personal Loan, Student Loan or who have a minimum balance of $50,000 in their SoFi Invest accounts at the time of application, can receive a one time $599 discount on SoFi’s $1,495 Home Loan Processing Fee on their first SoFi Home Loan. Based on regulatory requirements, the name of this fee may vary in certain states. To be eligible, member must be in good standing with their current and prior SoFi loans. SoFi reserves the right to change or terminate either of these discounts at any time with or without notice. For complete terms and eligibility, please visit 
SoFi.com/legal/#MemberRateDiscount.

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 and may affect your credit.

SoFi’s Relay tool offers users the ability to connect both in-house accounts and external accounts using Plaid, Inc’s service. When you use the service to connect an account, you authorize SoFi to obtain account information from any external accounts as set forth in SoFi’s Terms of Use. SoFi assumes no responsibility for the timeliness, accuracy, deletion, non-delivery or failure to store any user data, loss of user data, communications, or personalization settings. You shall confirm the accuracy of Plaid data through sources independent of SoFi. The credit score provided to you is a VantageScore® based on TransUnion™ (the “Processing Agent”) data.

NOTICE: Recent legislative changes have suspended all federal student loan payments and waived interest charges on federally held loans until 09/30/21. Please carefully consider these changes before refinancing federally held loans with SoFi, as in doing so you will no longer qualify for these changes or other future benefits applicable to federally held loans.

Advisory services are offered through SoFi Wealth, LLC an SEC-registered Investment adviser. Information about SoFi Wealth’s advisory operations, services, and fees is set forth in SoFi Wealth’s current Form ADV Part 2 (Brochure), a copy of which is available upon request and at www.adviserinfo.sec.gov. INVESTMENTS ARE NOT FDIC INSURED, HAVE NO GUARANTEE, AND MAY LOSE VALUE. SoFi can’t guarantee future financial performance and past performance is no guarantee. Automated investing via SoFi Wealth LLC, a registered investment advisor. Active investing via SoFi Securities LLC, member FINRA/SIPC. For additional disclosures related to the SoFi Invest platforms, please visit SoFi.com/legal.

SoFi at Work is offered by Social Finance Inc. SoFi loans are offered by SoFi Lending Corp. or an affiliate, licensed by the Department of Financial Protection and Innovation under the California Financing Law, license #6054612; NMLS #1121636 (www.nmlsconsumeraccess.org). The Student Debt Navigator tool and 529 Savings and Selection tool are provided by SoFi Wealth, LLC, an SEC Registered Investment Advisor. For additional product-specific legal and licensing information, see 
SoFi.com/legal. 2750 E. Cottonwood Parkway #300 Cottonwood Heights, UT 84121.

Social Finance Inc. values your privacy and the security of your personal information so please do not include your Social Security number in any email or letter that you send to us.

Social Finance Inc. 234 1st St., San Francisco, CA 94105

© 2021 Social Finance, Inc. All rights reserved. Screen images simulated. Loan information is current as of May 2021 and is subject to change. AW21-340607

Lock in a low Student Loan refi rate-start paying in February.

  • Keep the best part of your federal student loan: 0% interest until December 20, 2021 and no payments until February.

  • Lock in your low rate today. Fixed rates for refinancing student loans are at historical lows.

     $400 WELCOME BONUS 2

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Checking your rate will not affect your credit score.