How many lenders are in the directory?

16 banks and credit unions, covering 29 loan products across auto, mortgage, personal, student, and business loans.

What does quote required mean?

The lender publishes no rate for that product - it prices individually by application, state, or through dealers. We show the label instead of inventing a number, and these products are never ranked.

How often are the rates updated?

November 2026 verification cycle. Most products were checked on November 1, 2026, with selected lender data re-checked on subsequent dates. Each product displays its individual verification date.

Can I apply for a loan through this site?

No. This site is not a lender or broker and does not accept loan applications. The official-site link on each card takes you to the lender itself.

Why do two credit unions top so many of your rankings?

Credit unions like Navy Federal and PenFed consistently publish some of the lowest rates we track. Note that Navy Federal membership is limited to the military community and their families; PenFed is open to the general public.

SoFi loan rates & products

Written by Abdul Aleem, M.Com (Finance) · Rates snapshot: November 2026 · Our methodology

SoFi offers 2 loan products tracked in our directory (2 verified, 0 quote-required). Figures below are the lender's published November 2026 starting rates — compare the true total cost, not just the headline rate. Compare all banks in one click.

SoFi products — November 2026

Product	Type	Rate / APR	Terms	Status
SoFi Personal Loan	Personal loan	6.99% APR	24, 36, 48, 60, 72, 84 mo	Verified Nov 1, 2026
SoFi Student Loan Refinance	Student loan	4.49% APR	60, 84, 120, 180, 240 mo	Verified Nov 1, 2026

Product details & disclosures

SoFi Personal Loan

No fees; lowest APR incl. autopay + member discounts; page 'current as of 11/1/26', checked Nov 1, 2026.

Min. credit score: 680 · Loan amount: $5,000 – $100,000 · Source: Official lender website

SoFi Student Loan Refinance

Fixed-rate refinance; starting APR is the 5-year fixed figure incl. 0.25% autopay + 0.125% SoFi Plus/member discount; October promo ended (floor 3.99→4.49); caps 10.99%; variable floor 5.74%.

Min. credit score: 680 · Loan amount: $5,000 – $500,000 · Source: Official lender website

How we verify SoFi rates

Every rate on this site is re-checked monthly against the lender's own website. November 2026: Rates on this page were verified against the lender’s own website in November 2026. Site-wide verification totals (29 products across 16 banks) are documented on our methodology page.rates. See our methodology for the full process, including how note rate vs APR, discount points, and origination fees are modeled.

Frequently asked questions

Are SoFi rates on this page current?

Rates shown are published November 2026 rates, each checked against the lender's own website. Published rates are starting examples, not personalized offers — your actual rate depends on credit, income, and the loan scenario.

Does SoFi require good credit?

Published starting rates generally assume strong credit. Where the lender discloses a minimum credit score, it is listed above. Check the lender's own disclosures for current eligibility requirements.

Are these personalized loan offers?

No. This page compares published lender information for education. It is not a lender, broker, or loan approval service, and nothing here is financial advice.

All 16 banks · One-click comparison · Mortgage calculator · Auto loan calculator · Personal loan calculator