SoFi HELOC — SoFi Bank, N.A. is a home equity line of credit from SoFi Bank, N.A.. Application typically pulls a credit report from Experian. The ongoing APR is initial APR 6.37%-9.74% variable (info as of 3/31/26). Typical credit limit: minimum line $50,000. Soft-pull pre-qualification is available — no hard inquiry to check approval odds.