The SoFi Personal Loan Good Credit is a personal loan from SoFi Personal Loan. Application typically pulls a hard report from Experian. The annual fee is $0. The ongoing APR is 8.99% - 29.99%. Approval typically requires a credit score of 680 or higher. Rewards: Earn points for making moves toward financial independence—every step of the way.. Typical credit limit: $5,000 - $100,000. Funding speed: Same Day Funding. This product reports activity to your personal credit report. [SOFT PULL ONLY] | No fees — no origination, late, or prepayment fees. Soft pull prequalification. Rate discount with direct deposit. Terms 2-7 years. | EXPERT REFERENCE (Apr 2026): Borrow up to $100,000 | EXPERT REFERENCE (Apr 2026): Rates starting around 7.74% APR (with autopay discount) | EXPERT REFERENCE (Apr 2026): No origination fees | EXPERT REFERENCE (Apr 2026): No late fees | EXPERT REFERENCE (Apr 2026): No prepayment penalties | EXPERT REFERENCE (Apr 2026): See your rate in about 90 seconds (soft pull only) | EXPERT REFERENCE (Apr 2026): Funds can arrive as fast as the same day | EXPERT REFERENCE (Sep 2025): Loan amounts range from $5K–$100K. | EXPERT REFERENCE (Sep 2025): Average funded loan in 2023 was ~$33K. | EXPERT REFERENCE (Sep 2025): Average funded APR in 2023 was ~14.9% for 5-year terms. | EXPERT REFERENCE (Sep 2025): 83% of loans funded the same day in 2023–2024. | EXPERT REFERENCE (Sep 2025): No fees: no origination, late, or prepayment fees. | EXPERT REFERENCE (Sep 2025): APR range: 8.99%–35.49%, with discounts available. | EXPERT REFERENCE (Sep 2025): Approval amounts typically fall in the $20K–$40K range. | EXPERT REFERENCE (Sep 2025): Common loan terms are 36 months or 48 months. | EXPERT REFERENCE (Mar 2026): Borrow $5,000–$100,000 | EXPERT REFERENCE (Mar 2026): Rates starting at 7.24% APR (with discounts) | EXPERT REFERENCE (Mar 2026): No origination fees, late fees, or prepayment penalties | EXPERT REFERENCE (Mar 2026): Soft pull to check your rate | EXPERT REFERENCE (Mar 2026): Funds can arrive as fast as the same day | EXPERT REFERENCE (Mar 2026): Rates starting around 7.29% APR (with autopay) | EXPERT REFERENCE (Mar 2026): No origination fees | EXPERT REFERENCE (Mar 2026): No prepayment penalties | EXPERT REFERENCE (Mar 2026): Check your rate with a soft pull | EXPERT REFERENCE (Feb 2026): Borrow up to $100,000 | EXPERT REFERENCE (Feb 2026): Rates starting around 7.29% APR (with autopay discount) | EXPERT REFERENCE (Feb 2026): No origination fees | EXPERT REFERENCE (Feb 2026): No late fees | EXPERT REFERENCE (Feb 2026): No prepayment penalties | EXPERT REFERENCE (Feb 2026): See your rate in about 90 seconds (soft pull only) | EXPERT REFERENCE (Feb 2026): Funds can arrive as fast as the same day | EXPERT REFERENCE (Feb 2026): Borrow $5K–$100K | EXPERT REFERENCE (Feb 2026): Rates starting around 7.29% APR (with discounts) | EXPERT REFERENCE (Feb 2026): No origination fees, late fees, or prepayment penalties | EXPERT REFERENCE (Feb 2026): About 90 seconds to see your offer (soft pull) | EXPERT REFERENCE (Feb 2026): Fixed rates starting around 7.29% APR (with discounts) | EXPERT REFERENCE (Feb 2026): No origination fees, no late fees, no prepayment penalties | EXPERT REFERENCE (Feb 2026): Takes about 90 seconds to see your offer (soft pull only) | EXPERT REFERENCE (Feb 2026): Money can land as fast as the same day | EXPERT REFERENCE (Oct 2025): Approved for $51,000 personal loan with no documentation required. | EXPERT REFERENCE (Oct 2025): Same-day funding achieved. | EXPERT REFERENCE (Oct 2025): Pre-approval process took less than 60 seconds. | EXPERT REFERENCE (Oct 2025): Loan offer up to $58,500 was available. | EXPERT REFERENCE (Oct 2025): Debt consolidation selected as loan purpose. | EXPERT REFERENCE (Oct 2025): Experian was the only bureau pulled. | EXPERT REFERENCE (Oct 2025): Pre-approved for $58,500 at 9.75% APR | EXPERT REFERENCE (Oct 2025): Borrow up to $100,000 | EXPERT REFERENCE (Oct 2025): No fees (no origination, no prepayment, no late fees) | EXPERT REFERENCE (Oct 2025): Rates starting around 8.9% APR | EXPERT REFERENCE (Oct 2025): Same-day funding for many borrowers | EXPERT REFERENCE (Oct 2025): Soft pull only (it won’t affect your credit) | EXPERT REFERENCE (Oct 2025): Takes less than 60 seconds to get your rate | EXPERT REFERENCE (Oct 2025): Loan amounts in the $20K–$40K range with rates under 10% | EXPERT REFERENCE (Sep 2025): Approved for 3 personal loans totaling $77,000 with no documentation required. | EXPERT REFERENCE (Sep 2025): Loan #1 was $40,000 approved instantly with no documents. | EXPERT REFERENCE (Sep 2025): Loan #2 was $17,000 at 8.99% APR, approved instantly. | EXPERT REFERENCE (Sep 2025): Loan #3 was approved right after Loan #2.