- Credit Score Needed: AVERAGE
- APR Range: 5.99% – 35.99%
- Term: 3 – 5 Years
- Loan Amounts: $1,000 – $35,000
- Origination Fees: 0%
- Credit Score Needed: GOOD
- APR Range: 6.95%-35.99% Fixed
- Term: 3 or 5 Years
- Loan Amounts: $2,000 – $35,000
- Origination Fees: 1 – 5%
- Credit Score Needed: BAD
- APR Range: Varies
- Term: 9 – 18 Months
- Loan Amounts: $2,000 – $4,000
- Origination Fees: 2%
- Credit Score Needed: EXCELLENT
- Fixed rates starting at 6.325% to 15.615% APR (with AutoPay) and 6.575% to 15.865% APR (without AutoPay)
- Variable rates starting at 6.275% to 14.70% APR (with AutoPay) and 6.525% to 14.95% APR (without AutoPay)
- Term: 3, 5, or 7 Years
- Loan Amounts: $5,000 – $10,000
- Origination Fees: 0%
- Credit Score Needed: AVERAGE
- APR Range: 4.99% – 35.99%
- Term: 2 – 7 Years
- Loan Amounts: $1,00
- 0 – $100,000
- Origination Fees: 0 – 6%
- Credit Score Needed: BAD
- APR Range: 5.32% – 30.99%
- Term: Up to 5 Years
- Loan Amounts: $1,000 – $40,000
- Origination Fees: 1 – 6%
- Credit Score Needed: AVERAGE
- APR Range: 4.89% – 29.99%
- Term: 3 – 5 Years
- Loan Amounts: $1,000 – $50,000
- Origination Fees: 1 – 6%
- Credit Score Needed: AVERAGE
- APR Range: 5.99% – 35.99%
- Term: 3 – 5 Years
- Loan Amounts: $1,000 – $35,000
- Origination Fees: 0%
- Credit Score Needed: GOOD
- APR Range: 6.95%-35.99% Fixed
- Term: 3 or 5 Years
- Loan Amounts: $2,000 – $35,000
- Origination Fees: 1 – 5%
- Credit Score Needed: BAD
- APR Range: Varies
- Term: 9 – 18 Months
- Loan Amounts: $2,000 – $4,000
- Origination Fees: 2%
- Credit Score Needed: EXCELLENT
- Fixed rates starting at 6.325% to 15.615% APR (with AutoPay) and 6.575% to 15.865% APR (without AutoPay)
- Variable rates starting at 6.275% to 14.70% APR (with AutoPay) and 6.525% to 14.95% APR (without AutoPay)
- Term: 3, 5, or 7 Years
- Loan Amounts: $5,000 – $10,000
- Origination Fees: 0%
- Credit Score Needed: AVERAGE
- APR Range: 4.99% – 35.99%
- Term: 2 – 7 Years
- Loan Amounts: $1,00
- 0 – $100,000
- Origination Fees: 0 – 6%
- Credit Score Needed: BAD
- APR Range: 5.32% – 30.99%
- Term: Up to 5 Years
- Loan Amounts: $1,000 – $40,000
- Origination Fees: 1 – 6%
- Credit Score Needed: AVERAGE
- APR Range: 4.89% – 29.99%
- Term: 3 – 5 Years
- Loan Amounts: $1,000 – $50,000
- Origination Fees: 1 – 6%
Why Consider a Personal Loan?
Personal loans are a form of unsecured debt. This means that the debt doesn’t have an asset that can be repossessed or foreclosed in the event that you default. From a consumer perspective, personal loans are safer than auto loans or mortgages which require you to forfeit your car or home if you default. Of course, a personal loan isn’t free money. And many consumers will take on personal debt to inflate their lifestyle.
At CentSai, we recommend that you apply smart financial behavior when you consider a personal loan. In many cases, saving in advance can eliminate your need for one. Likewise, you may be just as happy choosing a less expensive option that doesn’t require debt. Thinking outside the box may allow you to achieve your goals without taking on debt. But if a personal loan fits into your financial plan, you can compare personal loans online using our list of best personal loans companies.
- Fixed rates from 6.325% APR to 15.615% APR (with AutoPay). Variable rates from 6.275% APR to 14.70% APR (with AutoPay). SoFi rate ranges are current as of July 3, 2018 and are subject to change without notice. Not all rates and amounts available in all states. See Personal Loan eligibility details. Not all applicants qualify for the lowest rate. If approved for a loan, to qualify for the lowest rate, you must have a responsible financial history and meet other conditions. Your actual rate will be within the range of rates listed above and will depend on a variety of factors, including evaluation of your credit worthiness, years of professional experience, income and other factors. See APR examples and terms. Interest rates on variable rate loans are capped at 14.95%. Lowest variable rate of 6.145% APR assumes current 1-month LIBOR rate of 2.10% plus 4.175% margin minus 0.25% AutoPay discount. For the SoFi variable rate loan, the 1-month LIBOR index will adjust monthly and the loan payment will be re-amortized and may change monthly. APRs for variable rate loans may increase after origination if the LIBOR index increases. The SoFi 0.25% AutoPay interest rate reduction requires you to agree to make monthly principal and interest payments by an automatic monthly deduction from a savings or checking account. The benefit will discontinue and be lost for periods in which you do not pay by automatic deduction from a savings or checking account. Terms and Conditions Apply. SOFI RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS AND BENEFITS AT ANY TIME WITHOUT NOTICE. To qualify, a borrower must be a U.S. citizen or permanent resident in an eligible state and meet SoFi’s underwriting requirements. Not all borrowers receive the lowest rate. To qualify for the lowest rate, you must have a responsible financial history and meet other conditions. If approved, your actual rate will be within the range of rates listed above and will depend on a variety of factors, including term of loan, a responsible financial history, years of experience, income and other factors. Rates and Terms are subject to change at anytime without notice and are subject to state restrictions. SoFi refinance loans are private loans and do not have the same repayment options that the federal loan program offers such as Income Based Repayment or Income Contingent Repayment or PAYE. Licensed by the Department of Business Oversight under the California Financing Law License No. 6054612. SoFi loans are originated by SoFi Lending Corp., NMLS # 1121636. (www.nmlsconsumeraccess.org)