SoFi Student Loan Refinancing — SoFi Bank, N.A. is a student loan from SoFi Bank, N.A.. Application typically pulls a credit report from Experian. The ongoing APR is fixed rates from 3.99% APR (upper bound script-loaded). Typical credit limit: minimum $5,000 of student loans. Loan terms: examples 60-240 months. Soft-pull pre-qualification is available — no hard inquiry to check approval odds.