Your SoFi Personal Loan Application: The Final Step

You’ve done the research. You know that paying 25% APR on your credit cards is a losing battle. You know that SoFi’s $0 fee policy and low, fixed rates are the logical way out.

You are in the right place and you are one click away from taking control of your finances.

This is the final step. From here, you will be transferred to the official, 100% secure SoFi website to check your personalized rate.

Remember, the #1 benefit of this next step is:

Checking your rate is 100% FREE and will NOT affect your credit score.

You have absolutely nothing to lose—except that high-interest debt.

What Happens When You Click? (A 100% Transparent Process)

We believe in total transparency. When you click “Check My Rate Now,” you are leaving this review site and being transferred to the official, secure SoFi application portal.

Here is the simple, 3-step process you will follow:

Step 1: The 60-Second “Soft Pull”

You will land on SoFi’s secure page. You’ll fill in some basic information:

• Your name
• Your address
• Your Social Security Number (SSN)
• Your approximate annual income

When you submit this, SoFi runs a “soft credit pull.” This is not a “hard inquiry.” It does not show up to other lenders and has zero impact on your FICO score. It’s like looking in the mirror; only you and SoFi can see it.

Step 2: See Your Personalized Offers

Instantly, SoFi will show you the loan options you pre-qualify for. You will see:

• Loan Amounts: (e.g., “Up to $40,000”)
• APRs: (e.g., “Your rate is 11.2% APR”)
• Terms: (e.g., “3, 5, or 7-year options”)

You can use their slider tool to see exactly how your monthly payment changes when you adjust the loan amount and the term (length) of the loan.

Step 3: Accept & Get Funded (Only if You Love Your Offer)

If you see an offer that will save you thousands, you can choose to accept it.

Only after you review your offer and officially accept the loan terms will SoFi perform a “hard credit pull.” At this point, it doesn’t matter, because you’ve already been approved!

You will then e-sign your documents and SoFi will deposit the cash directly into your bank account—often as fast as the same business day.

Reminder: Why You Are Making the Right Choice

In case you have any last-minute doubts, remember what you are fixing today:

• You Are Stopping the Bleed: That 24.99% APR on your credit card is costing you a fortune. A SoFi loan (with a rate as low as 8.99%) stops the bleeding and lets you actually pay down your debt.
• You Are Escaping Fees: You are choosing the lender with $0 origination fees, $0 late fees, and $0 prepayment penalties.
• You Are Getting Speed & Flexibility: You can borrow from $5,000 to $100,000 and choose your own payment term (from 2 to 7 years).

This isn’t just about getting a loan; it’s about executing a financial strategy to get out of debt faster.

Your journey to becoming debt-free is 60 seconds away.