SoFi is your one-stop financial shop, built to help you Get Your Money Straight(r). All your financial needs are covered in one app: save, invest, borrow, earn, borrow, and invest.
Open an account and get up to $1,000 worth of stock free! *
A CONVENIENT APP DOES IT ALL
Manage your money, trade and invest, check your rates, and apply for loans. All your tasks in one place
EARN HIGH INTEREST
You can earn high interest when you save with SoFi Savings and Checking.
Balances up to 3.75% APY **
MINIMUMS FOR INVESTMENT ACCOUNTS ARE NOT AVAILABLE
SoFi Invest allows you to trade crypto and invest in stocks, ETFs and retirement funds with no minimum account requirements and no commissions.
BORROW TO SCHOOL, HOME IMPROVEMENT, AND MORE
Apply now and you can start saving for a SoFi loan. There are no hidden fees or catch. Only serious savings.
GET YOUR MONEY RIGHT(r) WITH ZERO ACCOUNT FEES
Zero account fees for SoFi Savings and Checkings. This includes no annual, overdraft, or other account fees .
SMART MONEY MOVES WIN YOU POINTS
Reward points can be redeemed for cash, fractional stock shares, loan payments from SoFi, and other items.
No-Cost Budgeting and Spending Tools
Receive complimentary credit score monitoring, spending breakdowns and financial insights.
ACCESS MEMBER BENEFITS
Unlimited access for members to 1-on-1 career and financial planning at no additional charge
Investment products: ARE NOT FDIC INSURED * ARE NOT BANK GUARANTEED * MAY LOSE VALUE
*Customer must deposit at least $10 in Active Invest within 30 days after opening an account. 1.028% chance of customer receiving $1,000 Please refer to the full terms and conditions.
**SoFi members who have direct deposits can earn up to 3.75% annual percent yield (APY), on savings balances (including Vaults), and 2.50% on checking balances. To qualify for the 3.75% savings APY and 2.50% checking balances APY, there is no minimum amount to deposit. Direct deposit is not required. Members who do not have direct deposits will earn 1.20% on all accounts in savings and checking (including Vaults). Rates of interest are subject to change and are subject to variable. These rates were current as of 1/2023. Additional information can be found at http://www.sofi.com/legal/banking-rate-sheet.
SoFi Bank, N.A. offers SoFi Checking and Savings. The SoFi(r), Bank Debit Mastercard(r), is issued by The Bancorp Bank under license from Mastercard International Incorporated. It can be used wherever Mastercard is accepted. Mastercard International Incorporated is the trademark owner of Mastercard.
We work hard to provide high interest rates and low account fees. Our interest rate and fee structure can change at any moment. Please see our terms and conditions at sofi.com/legal.
Fixed rates for personal loans range from 7.99% APR up to 23.43% APR (with Autopay). The term of a loan is between 2 and 7 years. Your rate could be higher if SoFi cannot offer you a loan, but matches you with a bank that is participating in the loan program. You may not be eligible for all rates and amounts in every state. Please visit sofi.com/eligibility to learn more. Due to state laws, interest rate caps might be lower in certain states. This could impact your eligibility for a SoFi loan. The SoFi rates are current as of 5/20/22 and are subject to change. All applicants may not be eligible for the lowest rate. The lowest rates are reserved for creditworthy borrowers. For more information about the autopay discount, visit sofi.com/legal/#5.