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Flexible rates for any purpose — consolidate, renovate, or cover expenses.

$10,000
$1,000 $50,000

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SoFi Debt Consolidation Loan

Consolidation

APR

7.74–35.49%

/yr

Amount

$5k–$100k

Term

24–84mo

Minimum credit score 680

US citizen or permanent resident

Employed or have regular income

⚡ Same day funding available Check rates →

Spring EQ Home Equity Loans

Mortgage

APR

8.5–11.5%

/yr

Amount

$25k–$500k

Term

60–360mo

Homeowner with sufficient equity

US resident (not available in NY, HI, UT)

Property appraisal required

⚡ Talk to an Equity Expert for quick assessment Check rates →

SoFi Student Loan Refinancing

Student

APR

4.24–10.37%

/yr

Amount

$5k–$1000.0k

Term

60–240mo

US citizen or permanent resident

Employed or have an offer starting within 90 days

Bachelor degree or higher from eligible school

⚡ Check rate in minutes, no hard credit pull Check rates →

Better Mortgage Refinance

Mortgage

APR

5.5–7.5%

/yr

Amount

$50k–$3M

Term

180–360mo

Minimum credit score 620

US property owner

Proof of income and employment

⚡ Pre-approval in minutes, closing in 3 weeks Check rates →

Earnest Student Loan Refinance

Student

APR

4.15–14.9%

/yr

Amount

$5k–$500k

Term

—

US citizen or permanent resident

Bachelor degree from eligible institution

Minimum credit score required

⚡ Check rate in minutes with no impact on credit score Check rates →

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