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Got big ambitions? Your home could be your backer.
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[View your rate](https://www.sofi.com/home-loans/home-equity-loan/)
\*Fixed rates start at 6.99% APR, are current as of 2/27/25, and are subject
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Buying a home? Get .50% savings on mortgage costs.
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[View your rate](https://www.sofi.com/home-loan/continue)
\*Available for purchase mortgages only. To receive discount, you must apply, be
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---------------------------------------
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Purchase, refinance and home equity
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----------------------------------------------------
See rates and flexible terms
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Finance your education
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Invest
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Home Loans
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Private Student
Loans
-----------------------
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Why do 10M+ members love SoFi?
------------------------------
* ### Smart money moves
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Personalized mortgage solutions to achieve your goals.
------------------------------------------------------
Select from a variety of home loan options with [mortgage rates](/home-loans/mortgage-rates/), loan terms, and monthly payments that suit your budget.
10-year fixedāµ
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15-year fixedā¶
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30-year fixedāø
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All APRs are updated daily
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Your money
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Weāve helped
our members
in a big way.
------------------------------------------
* 10M+
SoFi members
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in rewards earned
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in funded loans
### As featured in
Ready to go?
Join SoFi today!
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[Get started](https://www.sofi.com/signup/?sofi_login=true®ister=true&endpoint=https://www.sofi.com/my/banking/setup/start)
Mortgage Loan Terms
5 10-YEAR Payment Example: The payment for a 10-year term, loan amount $362000.00, Rate 5.375%, LTV 80% is $3906.00 for full Principal and Interest Payments with $7051.76 due at closing. The Annual Percentage Rate is 5.975%. No prepayment penalty. Payment shown does not include taxes and insurance. The actual payment amount will be greater. Interest rates and annual percentage rates (APRs) are for informational purposes only and are subject to change without notice.
6 15-YEAR Payment Example: The payment for a 15-year term, loan amount $362000.00, Rate 5.500%, LTV 80% is $2958.00 for full Principal and Interest Payments with $7290.68 due at closing. The Annual Percentage Rate is 5.933%. No prepayment penalty. Payment shown does not include taxes and insurance. The actual payment amount will be greater. Interest rates and annual percentage rates (APRs) are for informational purposes only and are subject to change without notice.
7 20-YEAR Payment Example: The payment for a 20-year term, loan amount $362000.00, Rate 6.000%, LTV 80% is $2593.00 for full Principal and Interest Payments with $7873.50 due at closing. The Annual Percentage Rate is 6.371%. No prepayment penalty. Payment shown does not include taxes and insurance. The actual payment amount will be greater. Interest rates and annual percentage rates (APRs) are for informational purposes only and are subject to change without notice.
8 30-YEAR Payment Example: The payment for a 30-year term, loan amount $362000.00, Rate 6.375%, LTV 80% is $2258.00 for full Principal and Interest Payments with $7638.20 due at closing. The Annual Percentage Rate is 6.654%. No prepayment penalty. Payment shown does not include taxes and insurance. The actual payment amount will be greater. Interest rates and annual percentage rates (APRs) are for informational purposes only and are subject to change without notice.
Personal Loan Terms
Fixed rates from 8.99% APR to 29.49% APR reflect the 0.25% autopay interest rate discount and a 0.25% direct deposit interest rate discount. SoFi rate ranges are current as of 3/8/25 and are subject to change without notice. The average of SoFi Personal Loans funded in 2022 was around $30K. Not all applicants qualify for the lowest rate. Lowest rates reserved for the most creditworthy borrowers. Your actual rate will be within the range of rates listed and will depend on the term you select, evaluation of your creditworthiness, income, and a variety of other factors.
Loan amounts range from $5,000ā $100,000. The APR is the cost of credit as a yearly rate and reflects both your interest rate and an origination fee of 0%-7%, which will be deducted from any loan proceeds you receive.
PERSONAL LOAN INTEREST RATES AND FEES | ELIGIBILITY AND IMPORTANT DETAILS. Annual percentage rates (APRs) shown include the 0.25% autopay discount. If approved for a loan, the rates and terms offered will depend on things like creditworthiness, the length of the loan, and other factors, and will fall within the range of rates available by applicable loan term; check out our full APR examples and terms. Remember, not all applicants will qualify for the lowest rate. Want to learn more? See our eligibility criteria at SoFi.com/eligibility-criteria. SoFi reserves the right to change interest rates at any time without notice, changes would only apply to applications begun after the effective date of the change. Fixed Rates: Fixed rates range from 8.99% APR to 29.49% APR (with autopay). The SoFi 0.25% autopay interest rate reduction requires you to agree to make your scheduled monthly payments by an automatic monthly deduction (ACH) from a savings or checking account. Enrolling in autopay is not required to receive a loan from SoFi. Loan Terms: SoFi Personal Loans offer loans with a period of repayment between 2 and 7-year terms. Loan Fees: SoFi personal loans have no fees required; specifically, no origination fees required, no late fees, no prepayment penalties.
PERSONAL LOAN | REPAYMENT EXAMPLE. The following example depicts the APR, monthly payment and total payments during the life of a $30,000 personal loan with a 2-year repayment term, a 0.25% autopay discount, and a fixed rate between 8.99% APR to 29.49% APR. It works out to 24 monthly payments ranging from $1,356.68ā$1,529.07 for a total amount of payments ranging from $32,560.37ā$36,697.76. This repayment example assumes that the borrower is signed up for autopay and that all payments are made on time, with no pre-payments. Actual rates may vary based on repayment term, loan amount, creditworthiness, and other terms and conditions. SoFi does not offer variable rate personal loans. State restrictions may apply.
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SoFi members with direct deposit activity can earn 3.80% annual percentage yield (APY) on savings balances (including Vaults) and 0.50% APY on checking balances. Direct Deposit means a recurring deposit of regular income to an account holderās SoFi Checking or Savings account, including payroll, pension, or government benefit payments (e.g., Social Security), made by the account holderās employer, payroll or benefits provider or government agency (āDirect Depositā) via the Automated Clearing House (āACHā) Network during a 30-day Evaluation Period (as defined below). Deposits that are not from an employer or government agency, including but not limited to check deposits, peer-to-peer transfers (e.g., transfers from PayPal, Venmo, etc.), merchant transactions (e.g., transactions from PayPal, Stripe, Square, etc.), and bank ACH funds transfers and wire transfers from external accounts, or are non-recurring in nature (e.g., IRS tax refunds), do not constitute Direct Deposit activity. There is no minimum Direct Deposit amount required to qualify for the stated interest rate. SoFi members with direct deposit are eligible for other SoFi Plus benefits.
As an alternative to direct deposit, SoFi members with Qualifying Deposits can earn 3.80% APY on savings balances (including Vaults) and 0.50% APY on checking balances. Qualifying Deposits means one or more deposits that, in the aggregate, are equal to or greater than $5,000 to an account holderās SoFi Checking and Savings account (āQualifying Depositsā) during a 30-day Evaluation Period (as defined below). Qualifying Deposits only include those deposits from the following eligible sources: (i) ACH transfers, (ii) inbound wire transfers, (iii) peer-to-peer transfers (i.e., external transfers from PayPal, Venmo, etc. and internal peer-to-peer transfers from a SoFi account belonging to another account holder), (iv) check deposits, (v) instant funding to your SoFi Bank Debit Card, (vi) push payments to your SoFi Bank Debit Card, and (vii) cash deposits. Qualifying Deposits do not include: (i) transfers between an account holderās Checking account, Savings account, and/or Vaults; (ii) interest payments; (iii) bonuses issued by SoFi Bank or its affiliates; or (iv) credits, reversals, and refunds from SoFi Bank, N.A. (āSoFi Bankā) or from a merchant. SoFi members with Qualifying Deposits are not eligible for other SoFi Plus benefits.
SoFi Bank shall, in its sole discretion, assess each account holderās Direct Deposit activity and Qualifying Deposits throughout each 30-Day Evaluation Period to determine the applicability of rates and may request additional documentation for verification of eligibility. The 30-Day Evaluation Period refers to the āStart Dateā and āEnd Dateā set forth on the APY Details page of your account, which comprises a period of 30 calendar days (the ā30-Day Evaluation Periodā). You can access the APY Details page at any time by logging into your SoFi account on the SoFi mobile app or SoFi website and selecting either (i) Banking > Savings > Current APY or (ii) Banking > Checking > Current APY. Upon receiving a Direct Deposit or $5,000 in Qualifying Deposits to your account, you will begin earning 3.80% APY on savings balances (including Vaults) and 0.50% on checking balances on or before the following calendar day. You will continue to earn these APYs for (i) the remainder of the current 30-Day Evaluation Period and through the end of the subsequent 30-Day Evaluation Period and (ii) any following 30-day Evaluation Periods during which SoFi Bank determines you to have Direct Deposit activity or $5,000 in Qualifying Deposits without interruption.
SoFi Bank reserves the right to grant a grace period to account holders following a change in Direct Deposit activity or Qualifying Deposits activity before adjusting rates. If SoFi Bank grants you a grace period, the dates for such grace period will be reflected on the APY Details page of your account. If SoFi Bank determines that you did not have Direct Deposit activity or $5,000 in Qualifying Deposits during the current 30-day Evaluation Period and, if applicable, the grace period, then you will begin earning the rates earned by account holders without either Direct Deposit or Qualifying Deposits until you have Direct Deposit activity or $5,000 in Qualifying Deposits in a subsequent 30-Day Evaluation Period. For the avoidance of doubt, an account holder with both Direct Deposit activity and Qualifying Deposits will earn the rates earned by account holders with Direct Deposit.
Separately, SoFi members who enroll in SoFi Plus by paying the SoFi Plus Subscription Fee every 30 days can also earn 3.80% APY on savings balances (including Vaults) and 0.50% on checking balances. For additional details, see the SoFi Plus Terms and Conditions at [https://www.sofi.com/terms-of-use/#plus](https://www.sofi.com/terms-of-use/#plus).
Members without either Direct Deposit activity or Qualifying Deposits, as determined by SoFi Bank, during a 30-Day Evaluation Period and, if applicable, the grace period, or who do not enroll in SoFi Plus by paying the SoFi Plus Subscription Fee every 30 days, will earn 1.00% APY on savings balances (including Vaults) and 0.50% APY on checking balances.
Interest rates are variable and subject to change at any time. These rates are current as of 1/24/2025. There is no minimum balance requirement. Additional information can be found at [http://www.sofi.com/legal/banking-rate-sheet](/legal/banking-rate-sheet).
For more information visit [FDIC.gov](https://www.fdic.gov/)
ā”Awards or rankings are not indicative of future success or results. Neither SoFi Bank, N.A. nor its employees paid a fee in exchange for ratings. Awards and ratings are independently determined and awarded by their respective publications. Awards or rankings from Money.com are not indicative of future success or results. This award and and its ratings are independently determined and awarded by their respective publications.
Awards or rankings from Fast Company are not indicative of future success or results. This award and and its ratings are independently determined and awarded by their respective publications.
\*ā
The following describes the terms that apply to participation in the SoFi Checking and Savings direct deposit promotion (the āDirect Deposit Promotionā) offered by SoFi Bank, N.A, Member FDIC (āSoFiā).
**Eligible Participants:**
All new and existing members without any history of direct deposit transactions into their SoFi Checking and Savings account are eligible to earn a cash bonus of either $50 **OR** $300 under the Direct Deposit Promotion. Members who previously enrolled in direct deposit into either SoFi Money or SoFi Checking and Savings, whether currently still enrolled or not, do not qualify for this Direct Deposit Promotion. Bonuses are limited to one per SoFi Checking and Savings account. In the case of a joint account, only the primary account holder (the member who signed up first) is eligible for a bonus. Member must have an open SoFi Checking account in good standing at the time of the bonus payment.
**Promotion Period**:
The Direct Deposit Promotion will begin on 12/7/2023 at 12:01AM ET and end on 1/31/26 at 11:59PM ET.
**Bonus Terms:**
In order to qualify for a bonus of either $50 **OR** $300, SoFi must receive at least one Direct Deposit (as defined below) from an Eligible Participant, the first of which must be before the end of the Promotion Period. The amount of the bonus, if any, will be calculated during the Direct Deposit Bonus Period as described and defined below.
Direct Deposit means a recurring deposit of regular income to an account holderās SoFi Checking or Savings account, including payroll, pension, or government benefit payments (e.g., Social Security), made by the account holderās employer, payroll or benefits provider or government agency (āDirect Depositā) via the Automated Clearing House (āACHā) Network. Deposits that are not from an employer or government agency, including but not limited to check deposits, peer-to-peer transfers (e.g., transfers from PayPal, Venmo, etc.), merchant transactions (e.g., transactions from PayPal, Stripe, Square, etc.), and bank ACH funds transfers and wire transfers from external accounts, or are non-recurring in nature (e.g. IRS tax refunds), do not constitute Direct Deposit activity. SoFi Bank shall, in its sole discretion, assess each account holderās Direct Deposit activity to determine eligibility and may require additional documentation to complete this verification.
**Direct Deposit Bonus Period:**
The Direct Deposit Bonus Period begins when SoFi receives a Direct Deposit of $1 or more within the Promotion Period and ends 25 calendar days later (the āDirect Deposit Bonus Periodā). For the avoidance of doubt, the Direct Deposit Bonus Period shall not extend beyond the Promotion Period.
**Bonus Amount:**
The bonus amount will vary based on the total amount of Direct Deposits received during the Direct Deposit Bonus Period.
Total Direct Deposit Amount in Direct Deposit Bonus Period
Cash Bonus Tier
$1.00 - $999.99
$0
$1,000.00 - $4,999.99
$50
$5,000.00 or more
$300
Once the Direct Deposit Bonus Period has elapsed, SoFi will determine if you have met the offer requirements and will deposit any earned bonus into your checking account within seven (7) business days. For example, if SoFi receives between $1,000.00 and $4,999.99 in Direct Deposits during the Direct Deposit Bonus Period, you will receive a one-time cash bonus of $50. A member may only qualify for one bonus tier and will not be eligible for future bonus payments if Direct Deposits subsequently increase after the Direct Deposit Bonus Period.
**Bonus Payment Timeline:**
SoFi will credit members who meet qualification criteria within seven (7) business days of the end of the Direct Deposit Bonus Period.
**Tax Reporting:**
Bonuses are considered income and may be reportable on IRS Form 1099-INT or Form 1042-S as applicable.
**Other Important Details:**
SoFi reserves the right to exclude any members from participating in this Promotion for any reason, such as suspected fraud, misuse, or suspicious activity. Sofi also reserves the right to modify or end the Promotion at any time.
**Interest Rates:**
SoFi members can earn the following annual percentage yields (APY):
_With Direct Deposit:_
ā¢Savings (including Vaults): 3.80%.
ā¢Checking: 0.50%.
ā¢No minimum Direct Deposit amount is required to earn the 3.80% on savings.
_Without Direct Deposit:_
ā¢Savings (including Vaults): 1.00%.
ā¢Checking: 0.50%.
_Other Rates Details:_
ā¢Rates are variable and are subject to change at any time.
ā¢Rates are current as of 1/24/2025.
ā¢No minimum balance is required.
Additional information can be found at [http://www.sofi.com/legal/banking-rate-sheet](/legal/banking-rate-sheet).
Members earn 2 rewards points for every dollar spent on purchases. No rewards points will be earned with respect to reversed transactions, returned purchases, or other similar transactions. When you elect to redeem rewards points toward active SoFi accounts, including but not limited to, your SoFi Checking or Savings account, SoFi MoneyĀ® account, SoFi Active Invest account, SoFi Credit Card account, SoFi Personal Loan, Private Student Loan, Student Loan Refinance, or toward SoFi Travel purchases, your rewards points will redeem at a rate of 1 cent per every point. For more details, please visit the [Rewards](https://www.sofi.com/card/rewards?cardType=c) page. Brokerage and Active investing products offered through SoFi Securities LLC, Member [**FINRA**](https://www.finra.org/)/[**SIPC**](https://www.sipc.org/). SoFi Securities LLC is an affiliate of SoFi Bank, N.A.
āļøāļøYour account is invested in assets that may lose value. However, SoFi Securities LLC, and the custodian of securities, Apex Clearing, are members of the Securities Investor Protection Corporation (SIPC). SIPC protects the securities in your brokerage account up to $500,000, including $250,000 for claims for cash. For more details, visit [www.sipc.org](https://www.sipc.org/).
**SoFi Invest:** This is not an offer, or solicitation of any offer to buy or sell any security, investment or other product.
Investing in securities involves risks, and there is always the potential of losing money when you invest in securities. Past performance, historical returns, future projections, and statistical forecasts are no guarantee of future returns or future performance. The firm reserves the right to monitor and retain all incoming and outgoing communications as permitted by applicable law.
SoFi Invest refers to the three investment and trading platforms operated by Social Finance, Inc. and its affiliates (described below). Individual customer accounts may be subject to the terms applicable to one or more of the platforms below.
1) Automated Investing and advisory services are provided by SoFi Wealth LLC, an SEC-Registered Investment Adviser (āSofi Wealthā). Brokerage services are provided to SoFi Wealth LLC by SoFi Securities LLC.
2) Active Investing and brokerage services are provided by SoFi Securities LLC, Member [**FINRA**](https://www.finra.org/)/[**SIPC**](https://www.sipc.org/), (āSofi Securities). Clearing and custody of all securities are provided by APEX Clearing Corporation.
For additional disclosures related to the SoFi Invest platforms described above, including state licensure of Sofi Digital Assets, LLC, please visit [www.sofi.com/legal](https://www.sofi.com/legal).
Investing in an Initial Public Offering (IPO) involves substantial risk, including the risk of loss. Further, there are a variety of risk factors to consider when investing in an IPO, including but not limited to, unproven management, significant debt, and lack of operating history. For a comprehensive discussion of these risks please refer to SoFi Securitiesā [IPO Risk Disclosure Statement](https://www.sofi.com/iporisk/). IPOs offered through SoFi Securities are not a recommendation and investors should carefully read the offering prospectus to determine whether an offering is consistent with their investment objectives, risk tolerance, and financial situation.
\*\*No purchase necessary. Probability of customer receiving $1,000 is 0.028%. [See full terms and conditions](https://www.sofi.com/invest/clawpromotion/rules).
New offerings generally have high demand and there are a limited number of shares available for distribution to participants. Many customers may not be allocated shares and share allocations may be significantly smaller than the shares requested in the customerās initial offer (Indication of Interest). For SoFiās allocation procedures please refer to [IPO Allocation Procedures](https://www.sofi.com/invest/ipo-investing/#allocation).
Neither the Investment Advisor Representatives of SoFi Wealth, nor the Registered Representatives of SoFi Securities are compensated for the sale of any product or service sold through any SoFi Invest platform. Information related to lending products contained herein should not be construed as an offer or pre-qualification for any loan product offered by SoFi Lending Corp and/or its affiliates.
**SoFi Bank:** SoFi Checking and Savings is offered through SoFi Bank, N.A. Member FDIC. The SoFiĀ® Bank Debit MastercardĀ® is issued by SoFi Bank, N.A., pursuant to license by Mastercard International Incorporated and can be used everywhere Mastercard is accepted. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.
**SoFi Relay:** SoFiās Relay tool offers users the ability to connect both in-house accounts and external accounts using Plaid, Incās service. When you use the service to connect an account, you authorize SoFi to obtain account information from any external accounts as set forth in SoFiās Terms of Use. SoFi assumes no responsibility for the timeliness, accuracy, deletion, non-delivery or failure to store any user data, loss of user data, communications, or personalization settings. You shall confirm the accuracy of Plaid data through sources independent of SoFi. The credit score provided to you is a Vantage ScoreĀ® based on TransUnionā¢ (the āProcessing Agentā) data.
**SoFi Protect/Ladder:** Ladder policies are issued in New York by Allianz Life Insurance Company of New York, New York, NY (Policy form # MN-26) and in all other states and DC by Allianz Life Insurance Company of North America, Minneapolis, MN (Policy form # ICC20P-AZ100 and # P-AZ100). Only Allianz Life Insurance Company of New York is authorized to offer life insurance in the state of New York. Coverage and pricing is subject to eligibility and underwriting criteria. SoFi Agency and its affiliates do not guarantee the services of any insurance company. Ladder, SoFi and SoFi Agency are separate, independent entities and are not responsible for the financial condition, business, or legal obligations of the other. Social Finance, Inc. (SoFi) and Social Finance Life Insurance Agency, LLC (SoFi Agency) do not issue, underwrite insurance or pay claims under LadderLifeā¢ policies. SoFi is compensated by Ladder for each issued term life policy.
SoFi offers customers the opportunity to reach Ladder Insurance Services, LLC to obtain information about estate planning documents such as wills.
Social Finance, Inc. (āSoFiā) will be paid a marketing fee by Ladder when customers make a purchase through this SoFi Protect link.
All services from Ladder Insurance Services, LLC are their own. Once you reach Ladder, SoFi is not involved and has no control over the products or services involved.
The Ladder service is limited to documents and does not provide legal advice. Individual circumstances are unique and using documents provided is not a substitute for obtaining legal advice.
Terms and Conditions Apply. SOFI RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS AND BENEFITS AT ANY TIME WITHOUT NOTICE. To qualify, a borrower must be a U.S. citizen or other eligible status, be residing in the U.S., and meet SoFiās underwriting requirements. Not all borrowers receive the lowest rate. Lowest rates reserved for the most creditworthy borrowers. If approved, your actual rate will be within the range of rates listed above and will depend on a variety of factors, including term of loan, a responsible financial history, years of experience, income and other factors. Rates and Terms are subject to change at anytime without notice and may be subject to other restrictions. Minimum loan amount of $5,000 unless required to be higher to comply with applicable law. SoFi refinance loans are private loans and do not have the same repayment options that the federal loan program offers, or may become available, such as Income Based Repayment or Income Contingent Repayment or PAYE. SoFi Student Loans are originated by SoFi Bank, N.A. Member FDIC. NMLS #696891 [(www.nmlsconsumeraccess.org)](www.nmlsconsumeraccess.org).
SoFi reserves the right to change or terminate this discount at any time with or without notice. For complete terms and eligibility, please visit [SoFi.com/legal/#MemberRateDiscount](/legal/#MemberRateDiscount).
2 Terms and conditions apply. APR as marked. Discount is valid on all loans submitted from June 1, 2023 12:01 AM PT-June 15, 2023, 11:59 PM PT and is subject to lender approval. The offer is only open to SoFi Private Student Loan borrowers and may not be combined with other offers aside from the autopay discount, continuing scholar discount, and SoFi member discount. To receive the offer, you must: (1) complete a private student loan application with SoFi; (2) Submit the application by June 15, 2023 11:59 PM PT (3) and meet SoFiās underwriting criteria. Discount cannot be applied to previously originated or submitted private student loans. SoFi reserves the right to change or terminate the offer at any time with or without notice.
**3 Interest Rates: Eligibility and Important Details.** Fixed rates range from 4.49% APR to 13.8% APR with 0.25% autopay discount. Variable rates range from 5.16% APR to 13.07% APR with a 0.25% autopay discount. Unless required to be lower to comply with applicable law, Variable Interest rates are capped at 17.95%. SoFi rate ranges are current as of 6/1/23 and are subject to change at any time. Your actual rate will be within the range of rates listed above and will depend on the term and type of repayment option you select, evaluation of your creditworthiness, income, presence of a co-signer (if applicable) and a variety of other factors. **Lowest rates reserved for the most creditworthy borrowers.** Check out our eligibility criteria at https://www.sofi.com/eligibility-criteria/. For the SoFi variable-rate product, the variable interest rate for a given month is derived by adding a margin to the 30-day average SOFR index, published two business days preceding such calendar month, rounded up to the nearest one hundredth of one percent (0.01% or 0.0001). APRs for variable-rate loans may increase after origination if the SOFR index increases. The SoFi 0.25% autopay interest rate reduction requires you to agree to make monthly principal and interest payments by an automatic monthly deduction from a savings or checking account. This benefit will discontinue and be lost for periods in which you do not pay by automatic deduction from a savings or checking account. The benefit lowers your interest rate but does not change the amount of your monthly payment. This benefit is suspended during periods of deferment and forbearance. **Autopay is not required to receive a loan from SoFi.**
**Lantern:** SoFi receives compensation in the event you obtain a loan through the Lantern marketplace. The Lantern site is owned by SoFi Lending Corp. or an affiliate, a lender licensed by the DFPI under the CFL, license number 6054612, NMLS #1121636 [(www.nmlsconsumeraccess.org)](https://www.nmlsconsumeraccess.org/). Loans may not be available in all states.
**Check your rate:** To check the rates and terms you qualify for, SoFi conducts a soft credit pull that will not affect your credit score. However, if you choose a product and continue your application, we will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit pull and may affect your credit.
^^Deposits in checking and savings accounts are insured up to $250,000 per depositor for each account ownership category (joint accounts are insured up to $500,000).
1**SoFi Bank is a member FDIC and does not provide more than $250,000 of FDIC insurance per legal category of account ownership, as described in the FDIC's regulations. Any additional FDIC insurance is provided by the SoFi Insured Deposit Program. Deposits may be insured up to $3M through participation in the program. See full terms at [sofi.com/banking/fdic/terms/](https://www.sofi.com/banking/fdic/sidpterms/). See list of participating banks at [sofi.com/banking/fdic/participatingbanks](https://www.sofi.com/banking/fdic/participatingbanks/).**
**Testimonials:** Some of the testimonials shown may be from SoFi Ambassadors who earn rewards for participating in the Ambassador Program (āInner Circleā). Additional terms and conditions apply: see SoFi.com/eligibility for details.
**Recommend SoFi:** Based on a survey of 1,642 SoFi members from 02/21/2019 to 03/13/2019 who funded a loan with SoFi within 6 months of the survey date, 98% of participants would recommend SoFi to a friend. This should not be confused with SoFiās Net Promoter ScoreĀ®, which is a separate survey that uses a different scoring model. This statistic isnāt recommending or endorsing any product or service offered through SoFi Wealth LLC, including automated investing, financial planning and SoFi Advice.
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**Ā§Terms, and conditions apply:** The SoFi Travel Portal is operated by Expedia. To learn more about Expedia, click [https://www.expediagroup.com/home/default.aspx](https://www.expediagroup.com/home/default.aspx).
Accounts subject to additional credit approval. To qualify for approval, you must meet SoFiās pre-established underwriting requirements, including verification of sufficient income to support your ability to pay. We will not extend you credit if you do not meet our pre-established criteria. SOFI RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS AND BENEFITS PROSPECTIVELY BASED ON MARKET CONDITIONS AND BORROWER ELIGIBILITY. If approved for a SoFi Credit Card, your credit access line will be at least $500. Your eligibility for a SoFi Credit Card Account or a subsequently offered product or service is subject to the final determination by SoFi Bank, N.A, as issuer, pursuant to license by MastercardĀ® International Incorporated and can be used everywhere Mastercard is accepted. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated. Please allow up to 30 days from date of submission to process your application. The card offer referenced in this communication is only available to individuals who are at least 18 years of age (or of legal age in your state of residence), and who reside in the United States.
**Explore Europe Sale Terms and Conditions:** Search your preferred dates for travel to see any discounted rates. Rates not confirmed until booked with the hotel. Please click through to the hotel of your choice to confirm prices, availability and applicable terms and conditions. Blackout periods may apply and a minimum hotel stay may be required. The discounted rates can also be accessed via searching on the homepage. Prices displayed are per double room, excluding all taxes and fees. Prices may change at any time. Offers are subject to limited availability and may be discontinued at any time. Usual booking terms and conditions apply.
**ā Terms, and conditions apply:** The SoFi Travel Portal is operated by Expedia. To learn more about Expedia, click [https://www.expediagroup.com/home/default.aspx](https://www.expediagroup.com/home/default.aspx).
When you use your SoFi Credit Card to make a purchase on the SoFi Travel Portal, you will earn a number of SoFi Member Rewards points equal to 3% of the total amount you spend on the SoFi Travel Portal. Members can save up to 10% or more on eligible bookings.
**Eligibility:
You must be a SoFi registered user.
You must agree to SoFiās privacy consent agreement.
You must book the travel on SoFiās Travel Portal reached directly through a link on the SoFi website or mobile application.
Travel booked directly on Expediaās website or app, or any other site operated or powered by Expedia is not eligible.
You must pay using your SoFi Credit Card.**
**SoFi Member Rewards:** All terms applicable to the use of SoFi Member Rewards apply. To learn more please see: [https://www.sofi.com/rewards/](https://www.sofi.com/rewards/)
Terms applicable to Member Rewards: [https://www.sofi.com/terms-of-use/#rewards](https://www.sofi.com/terms-of-use/#rewards)
**Additional Terms:** Changes to your bookings will affect the Rewards balance for the purchase. Any canceled bookings or fraud will cause Rewards to be rescinded. Rewards can be delayed by up to 7 business days after a transaction posts on Membersā SoFi Credit Card ledger. SoFi reserves the right to withhold Rewards points for suspected fraud, misuse, or suspicious activities.
**Terms and conditions apply.** Before you apply for a SoFi Mortgage, please note that not all products are offered in all states, and all loans are subject to eligibility restrictions and limitations, including requirements related to loan applicantās credit, income, property, and loan amount. Minimum loan amount is $75,000. **Lowest rates are reserved for the most creditworthy borrowers.** Products, rates, benefits, terms, and conditions are subject to change without notice. Learn more at [SoFi.com/eligibility](/eligibility-criteria/). Information current as of 7/2/2024.
SoFi Mortgages originated through SoFi Bank, N.A., NMLS #696891 (Member FDIC), [(www.nmlsconsumeraccess.org)](https://nmlsconsumeraccess.org/). Equal Housing Lender.
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