![]() ![]() You can use a site like to review your credit reports for free. When you apply for a personal loan, the lender will look at your credit to determine your creditworthiness - so it’s a good idea to check both your credit reports and credit score beforehand to see where you stand. If you’re ready to apply, follow these steps: SoFi makes applying for its personal loan a streamlined experience. Having sufficient income, whether from employment, other sources or a job offer that starts within 90 days.Īdditionally, if you’re an existing SoFi personal loan borrower, the lender looks at how many loans you currently have active, your payment history for existing SoFi accounts and other applicable state regulations.Living in a state in which SoFi is authorized for lending services.Being at least 18 years old or at least the age of majority in your state.citizen or an eligible permanent or non-permanent resident. SoFi’s basic personal loan eligibility criteria includes: Examples include free career coaching and an unemployment protection program that can make loan payments manageable if you lose your job. It practices a “members first” mantra, offering unique programs to support the financial goals of its members. ![]() Since then, its financial services have expanded to include banking and lending services, including personal loans. SoFi first launched in 2011 and is most known for its student loan refinance product, which was first introduced the following year. Funding time: As soon as the same day after approval.Discounts: Autopay (0.25%), existing account holder (0.125%) and direct creditor payment for debt consolidation (0.25%). ![]()
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