Lender and Bonus Disclosure
SoFi®:
Flat rates range from 4.49% APR to 10.99% APR with 0.25% autopay discount and 0.125% SoFi Plus discount. Variable rates range from 5.74% APR to 10.99% APR with 0.25% autopay discount and 0.125% SoFi Plus 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 price ranges are effective as of 9/23/26 and are subject to change at any time. Your actual rate will fall within the range of rates shown above and will depend on the term you select, your assessment of creditworthiness, your income, the presence of a cosigner and various other factors. Lowest rates reserved for the most creditworthy borrowers. For the SoFi variable rate product, the variable interest rate for a given month is obtained by adding a margin to the 30-day average SOFR index, published two business days preceding that calendar month, rounded to the nearest hundredth of a percent (0.01% or 0.0001). APRs for variable rate loans may increase after origination if the SOFR index increases. You may pay more interest over the life of the loan if you refinance with an extended term.
Automatic payment discount: The SoFi AutoPay Interest Rate Reduction of 0.25% requires you to agree to make monthly payments as outlined in your loan agreement through an automatic monthly deduction to a savings or checking account. This benefit will cease and be lost for periods when you do not pay by direct debit from a savings or current account. When the autopay interest rate deduction is added or removed, the next time the loan is reamortized (quarterly for fixed rate loans; monthly for variable rate loans), the principal balance of your loan will be distributed over the remaining term of the loan and your monthly payment amount will change. This benefit is suspended during periods of deferment, grace period or forbearance. Autopay is not required to receive a loan from SoFi.
Discount on member rate: To be eligible for an additional 0.125% interest rate reduction on a student loan refinancing, you must, within 31 days of loan funding, either (1) be a SoFi Plus subscriber, (2) receive an eligible direct deposit into a SoFi checking or savings account, or (3) receive at least $5,000 in eligible deposits into a SoFi checking or savings account. You must continue to meet at least one of the eligibility criteria above every 31 days to maintain the discount. See the SoFi Plus Terms for more details on SoFi Plus.
subscription. For more details on qualifying direct deposit or qualifying deposits, please see https://www.sofi.com/legal/banking-rate-sheet.
Once you become eligible during the initial period, the discount will be removed or reinstated depending on whether the criteria is met. Each time your loan is reamortized, your monthly payment amount will change based on the current interest rate. SoFi reserves the right to modify or terminate this offer at any time for non-registered participants. You are not required to meet these criteria to get approved for a loan.
Terms and conditions apply. SoFi Refinance student loans are private loans. When you refinance federal loans with a SoFi loan, YOU LOSE YOUR ELIGIBILITY FOR ALL FEDERAL LOAN BENEFITS, including all flexible federal repayment and forgiveness options that are or may become available to federal student loan borrowers, including but not limited to: Public Service Loan Forgiveness (PSLF), income-driven repayment, income-driven repayment, repayment plans extended, PAYE or SAVE. Lowest rates reserved for the most creditworthy borrowers. Learn more at SoFi.com/eligiblity. SoFi Refinance student loans are issued by SoFi Bank, member NA FDIC. NMLS #696891 (www.nmlsconsumeraccess.org).
Medical/dental loan
Flat rates range from 4.37% APR to 10.99% APR with a 0.125% discount for doctors and dentists, as well as a 0.25% autopay discount and a 0.125% SoFi Plus discount. Variable rates range from 5.62% to 10.99% APR with a 0.125% physician and dentist discount, as well as a 0.25% autopay discount and a 0.125% SoFi Plus 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 price ranges are effective as of 9/23/26 and are subject to change at any time. Your actual rate will fall within the range of rates shown above and will depend on the term you select, your assessment of creditworthiness, your income, the presence of a cosigner and various other factors. These specialized rates are offered to candidate doctors or dentists holding the following degrees: Doctor of Medicine (MD), Doctor of Osteopathic Medicine (DO), Doctor of Dentistry or Doctor of Dentistry (DMD), Doctor of Dental Surgery (DDS), Doctor of Optometry (OD), Doctor of Veterinary Medicine (DVM or VMD), Medical Assistant (MPA), Physiotherapy (MTP or DPT). Not available to residents, fellows or students. Lowest rates reserved for the most creditworthy borrowers. For the SoFi variable rate product, the variable interest rate for a given month is obtained by adding a margin to the 30-day average SOFR index, published two business days preceding that calendar month, rounded to the nearest hundredth of a percent (0.01% or 0.0001). APRs for variable rate loans may increase after origination if the SOFR index increases. You may pay more interest over the life of the loan if you refinance with an extended term.
Automatic payment discount: The SoFi AutoPay Interest Rate Reduction of 0.25% requires you to agree to make monthly payments as outlined in your loan agreement through an automatic monthly deduction to a savings or checking account. This benefit will cease and be lost for periods when you do not pay by direct debit from a savings or current account. When the autopay interest rate deduction is added or removed, the next time the loan is reamortized (quarterly for fixed rate loans; monthly for variable rate loans), the principal balance of your loan will be distributed over the remaining term of the loan and your monthly payment amount will change. This benefit is suspended during periods of deferment, grace period or forbearance. Autopay is not required to receive a loan from SoFi.
Discount on member rate: To be eligible for an additional 0.125% interest rate reduction on a student loan refinance, you must, within 31 days of loan funding, either (1) be a SoFi Plus subscriber, (2) receive an eligible direct deposit into a SoFi checking or savings account, or (3) receive at least $5,000 in eligible deposits into a SoFi checking or savings account. You must continue to meet at least one of the eligibility criteria above every 31 days to maintain the discount. See the SoFi Plus Terms for more details on the SoFi Plus subscription. For more details on qualifying direct deposit or qualifying deposits, please see https://www.sofi.com/legal/banking-rate-sheet.
Once you become eligible during the initial period, the discount will be removed or reinstated depending on whether the criteria is met. Each time your loan is reamortized, your monthly payment amount will change based on the current interest rate. SoFi reserves the right to modify or terminate this offer at any time for non-registered participants. You are not required to meet these criteria to get approved for a loan.
Student Loan Planner® Bonus Disclosure
If you have a qualifying refinance of $100,000 or more, the bonus is paid by Student Loan Planner®, not SoFi. Borrowers must complete the Refinancing Bonus Request Form to claim a bonus offer. Additional conditions apply. SoFi® Disclosures.
