SoFi Personal Loans: Rates, Fees and Who Qualifies - LoanKey

SoFi Personal Loans: Rates, Fees and Who Qualifies - LoanKey

LoanKey Rating: 4.7 out of 5 | Updated April 11, 2026 | Reviewed by LoanKey Editorial Team SoFi personal loans carry fixed APRs from 8.99% to 29.99% with loan amounts from $5,000 to $100,000, zero origination fees, zero late fees, and zero prepayment penalties. Borrowers with a 680 or higher FICO score and stable employment history get the most competitive rates. This review covers exactly who qualifies, what SoFi charges, how the discounts stack, and where SoFi loses ground to competitors like LightStream and Marcus. SoFi Personal Loan Rates - April 2026 Loan Term APR Range (with discounts) APR Range (no discounts) 2 years (24 months) 8.74% - 29.99% 9.24% - 30.49% 3 years (36 months) 8.99% - 29.99% 9.49% - 30.49%

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