SoFi Personal Loans Referral Code & Link

About This Referral Deal

SoFi Personal Loans offer a modern approach to borrowing with competitive rates, no fees, and member benefits that go beyond traditional lending. Whether you're consolidating high-interest debt, financing home improvements, or covering major expenses, SoFi provides flexible terms and same-day funding to help you achieve your financial goals.

Through this referral code, new customers can get a $300 bonus after their loan funds and keeping it active for 90 days, making it an excellent opportunity to save money while accessing premium lending services.

Your Benefits

$300 Referral Bonus

• $300 bonus after funding - Get $300 bonus when your loan funds through this referral code
• 90-day requirement - Keep your loan active and in good standing for 90 days to receive bonus
• New customers only - Available only for new SoFi customers
• No Vermont residents - Offer not available to Vermont residents

Competitive Loan Features

• Borrow $5k-$100k - Flexible loan amounts to meet your needs
• Low fixed rates - Competitive interest rates with no variable rate surprises
• No fees required - No origination fees, application fees, or prepayment penalties
• Same-day funding - 82% of approved loans funded the same day when signed before 7pm ET
• Easy online experience - View your rate in 60 seconds without affecting credit score

Get Started

1. Click the referral link - Use the provided invite link to access SoFi personal loan application
2. View your rate - Get your personalized rate in 60 seconds with soft credit check
3. Complete application - Finish the online application with required documentation
4. Receive funding - Get same-day funding for most approved applications
5. Earn your $300 bonus - Keep loan active for 90 days to receive bonus

SoFi Personal Loan Advantages

Low Rates & Flexible Terms

• Fixed interest rates - Predictable monthly payments with no rate changes
• Multiple term options - Choose terms that fit your budget and goals
• Rate transparency - Clear, upfront pricing with no hidden fees
• Competitive rates - Industry-leading rates for qualified borrowers

No Fees Policy

• No origination fees - Start your loan without upfront costs
• No application fees - Apply at no cost to see your rate
• No prepayment penalties - Pay off your loan early without penalties
• No late fees - Focus on repayment without worry about penalty fees

Same-Day Funding

• Fast approval process - Most applications processed quickly
• Same-day funding - 82% of loans funded same day when signed before 7pm ET
• Electronic transfer - Funds deposited directly to your bank account
• Weekend processing - Applications processed on business days

Unemployment Protection

• Job loss support - Modification options if you lose your job
• Career services - Access to job placement assistance and career coaching
• Payment flexibility - Temporary payment modifications during unemployment
• Member support - Dedicated support during difficult financial times

Product Features

Loan Details

• Loan amounts - $5,000 to $100,000 available
• Fixed rates - Stable monthly payments with fixed interest rates
• Term lengths - Multiple repayment term options available
• Credit requirements - Competitive rates for qualified borrowers
• Income verification - Standard income and employment verification

Application Process

• Soft credit check - Initial rate check won't affect your credit score
• Online application - Complete application entirely online
• Document upload - Easy electronic document submission
• Quick decisions - Fast approval process for most applications
• Electronic signature - Sign loan documents electronically

Member Benefits

• Career services - Free access to career coaching and job placement assistance
• Financial planning - Complimentary financial advice and planning tools
• Rate discounts - Potential rate reductions for existing SoFi members
• Member events - Access to exclusive networking and educational events
• Customer support - Dedicated customer service for all members

Common Use Cases

Debt Consolidation

• High-interest debt - Consolidate credit card debt at lower rates
• Multiple payments - Simplify finances with one monthly payment
• Interest savings - Potentially save thousands in interest charges
• Credit improvement - May help improve credit utilization ratio

Home Improvements

• Major renovations - Finance kitchen, bathroom, or whole-home improvements
• Energy efficiency - Fund solar panels, HVAC upgrades, or insulation
• Increase home value - Invest in improvements that add property value
• Flexible funding - Use funds as needed for project phases

Notes

Important Terms

• $300 bonus eligibility - Must keep loan active and in good standing for 90 days
• New customers only - Bonus available only for new SoFi customers
• Vermont exclusion - Offer not available to Vermont residents
• Active loan requirement - Loan must remain current to qualify for bonus
• Single bonus per customer - One referral bonus per new customer

Eligibility Requirements

• US citizenship - Must be US citizen or eligible status
• Credit requirements - Must meet SoFi's underwriting requirements
• Income verification - Stable income and employment history required
• Age requirement - Must be 18 years or older
• State restrictions - Some states may have additional restrictions

Loan Features

• Fixed rate structure - All loans have fixed interest rates
• No cosigner required - Most loans approved without cosigner
• Direct bank transfer - Funds sent directly to your bank account
• Automatic payments - Optional autopay for rate discounts
• Early payoff options - Pay off loan early without penalties

Important Disclosures

• Credit impact - Hard credit check required for final loan approval
• Rate determination - Actual rate depends on creditworthiness and other factors
• Term options - Multiple term lengths available based on loan amount
• Licensed lender - SoFi Lending Corp., NMLS #1121636
• Regulatory compliance - Licensed by Department of Financial Protection and Innovation

By applying for SoFi Personal Loan through this referral link, you'll receive a $300 bonus while accessing competitive rates, no fees, and comprehensive member benefits that extend far beyond traditional lending.