SoFi Student Loan Refinancing
What SoFi publishes: "Fixed rates range from 3.99% APR to 10.99% APR with 0.25% autopay discount and 0.125% Member Rate discount. Variable rates range from 5.74% APR to 10.99% APR with 0.25% autopay discount and 0.125% Member Rate discount. Unless required to be lower to comply with applicable law, Variable Interest rates will never exceed 13.95% (the maximum rate for these loans). SoFi rate ranges are current as of 9/4/26 and are subject to change at any time."
Ranges include both the 0.25% autopay discount and the 0.125% Member Rate discount (total 0.375%); without discounts floors would be fixed 4.365% / variable 6.115% (computed, not stated). By-term fixed ranges 'with all discounts': 5-year 3.99% - 10.80%; 7-year 5.82% - 10.99%; 10-year 5.82% - 10.99%; 15-year 6.08% - 10.99%; 20-year 6.33% - 10.99%; 5-20-year variable 5.74% - 10.99%. Variable rate = margin + 30-day average SOFR, lifetime cap 13.95%. Rate ranges dated 9/4/26 on the page.
The rate you are offered is set by SoFi after you apply on its site. It depends on your credit history, income, loan amount and term, and may be higher than the lowest rate shown here.
| Loan amount | from $5,000 |
| Term | 60 to 240 months |
| Rate type | both |
| Funding speed | Approvals take 2-3 business days on average (funding time not stated) |
| Origination fee | None: 'No origination fees, pre-payment, or late fees.' |
| Prepayment penalty | No |
| Late fee | Not stated |
| Minimum credit score | Not disclosed |
| States | Not stated |
| Membership | Not required |
- Origination fee None: 'No origination fees, pre-payment, or late fees.'
- Funding: Approvals take 2-3 business days on average (funding time not stated)
- No prepayment penalty
| Legal name | SoFi Bank, N.A. (Member FDIC, NMLS #696891) |
| Type | Bank |
| Website | https://www.sofi.com |
Other SoFi offers on Banrox: SoFi Personal Loan.
| Rates as of | Sep 04, 2026 |
| Lender rate page | Open |
Every number on this page is copied from SoFi's public website on the date above. Banrox does not set, estimate or adjust lender rates.
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Compensation
Banrox may receive compensation from some lenders when you click or apply through links on this page. Compensation does not affect the rates shown, which are taken from each lender's public website as of the date displayed.
Rates and estimates
Rates, amounts, terms and fees are shown as published on the lender's website on the date marked above and may change without notice. The payment estimate uses the lowest APR the lender publishes and excludes origination and other fees; the lender's own disclosure governs. Nothing on this page is an offer, a rate quote or a commitment to lend.
