SoFi Personal Loans Sign Up Bonus: Get $300 & Competitive Rates

Have you ever wondered if there’s a smarter way to manage your loans while getting rewarded in the process? Fnding a solution that caters to your needs and offers extra perks is hard to come by. SoFi, short for Social Finance, not only provides personal loans with low interest rates and no hidden fees but also rewards new customers with a $300 sign-up bonus when using a referral link.

Imagine consolidating your debt or financing that big purchase while getting a cash bonus to sweeten the deal. Let’s discover into how you can leverage SoFi’s personal loans to your advantage and unlock this exclusive offer today.

Read more: See this SoFi promotions page for all their product offers.

See Posts History below for more offers from SoFi.

Recent Updates

• Update 4/29/2025: The $300 sign up bonus is still available.
• Update 1/8/2024: The $600 targeted offer likely no longer available and it was only to a select group of customers. Use our referral link for a $300 bonus instead. Thank you ahead of time!
• Update 4/12/23: The $600 targeted offer is available again for some through a public link. However, to receive the bonus, you either need to have a SoFi Checking and Savings account or a SoFi Money account.

SoFi Personal Loans $300 Sign-Up Bonus

Use a referral link to earn a $300 sign-up bonus for personal loans from SoFi.

Make the most of your personal loan needs with SoFi. By utilizing our exclusive referral link, you’re not just getting a personal loan; you’re also getting a remarkable $300 sign-up bonus. This opportunity is designed to put money back into your pocket as soon as your loan is successfully funded.

Click Here to Claim Your $300 Bonus (Thank you for your support!)

Key Features of SoFi Personal Loans

• Loan Amounts: SoFi stands out by offering substantial loan amounts, up to $100,000, which is significantly higher than many competitors. This makes it an attractive option for those needing larger sums for big projects or debt consolidation. However, the minimum loan amount is $5,000, potentially a drawback for those seeking smaller loans.
• Interest Rates¹: One of SoFi’s selling points is its competitive interest rates, especially appealing to borrowers with strong credit profiles. Adding to the appeal is a 0.25% rate discount for setting up automatic payments, a common feature among lenders but always a welcome one.
• Member Benefits: Beyond just financial transactions, SoFi enriches its members’ experience with exclusive perks. These include rate discounts on future loans, access to career coaching, and networking events, enhancing the overall value of becoming a SoFi member.
• Unemployment Protection²: In an uncertain world, SoFi offers a safety net through its unemployment protection feature. Should you find yourself involuntarily unemployed, SoFi allows for payment pauses, although interest continues to accrue. Additionally, they offer job placement assistance, showcasing their commitment to their borrowers’ overall financial health.

Considerations Before Applying

• Eligibility Criteria: SoFi targets borrowers with a “responsible financial history” and “strong monthly cash flow.” While they don’t specify exact requirements, it’s clear that a good credit score, stable income, and professional experience weigh heavily in their evaluation.
• Fees: A significant advantage is SoFi’s no-fee structure. They don’t charge late fees or prepayment penalties, and there are no origination fees, which means more money stays in your pocket.
• Application Process: Applying for a SoFi loan is straightforward, with the option to prequalify online or via their mobile app. Prequalification involves a soft credit check, giving you a glimpse of potential rates without impacting your credit score³. However, final approval and rates may vary.

Who Should Consider a SoFi Personal Loan?

SoFi personal loans are best suited for individuals with good to excellent credit seeking competitive rates and large loan amounts. The additional member perks make SoFi not just a lender but a financial partner, offering resources beyond mere dollars and cents.

If your financial history is less than stellar or you’re after a small loan, other lenders might be a better fit. Yet, for consolidating high-interest debt, financing major purchases, or investing in home improvements, SoFi is a compelling option.

How to Get Started

Applying for a SoFi personal loan is a simple, streamlined process. You can apply online or through their mobile app, starting with a quick prequalification to check potential rates. Remember, you’ll need to meet their eligibility criteria, including age, residency, and financial stability requirements.

Our Take on the SoFi Personal Loan Offer

With competitive rates, substantial loan amounts, and unique perks, SoFi caters to financially responsible individuals looking to leverage their good credit. Whether you’re consolidating debt or funding a significant expense, SoFi merits consideration as a top-tier lender in the personal finance space.

Remember, once you have an active account open with SoFi, you can earn cash bonuses by making referrals. Just check your SoFi account for your personal referral link.

Find More SoFi Offers

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• SoFi Student Loan Refinancing Sign Up Bonus: Get $300 Offer & $300 Referrals - re you feeling overwhelmed by your student loan debt? You're not alone. Many graduates find themselves strapped with high-interest rates, looking for relief. With SoFi…
• Sofi Student Loan Refinance Offer: $1,000 Bonus for Doctors & Dentists Through Referral - SoFi is now offering a $1,000 referral bonus for doctors and dentists who refinance their student loans with the bank. This offer is definitely worth…
• SoFi Active Investing Promotions: $25 Sign Up Bonus + $50 Referral - SoFi Active Investing is a platform designed to empower both novice and experienced investors to take control of their financial future. With a user-friendly interface…
• SoFi Invest Promotion: Extra 1% IRA Match (Up To Annual Contribution Limits) - SoFi Invest offers a 2% match on contributions to active or automated IRAs up to annual limits, enabling users to gain an additional $65 or…

READ MORE: SEE THE BEST BANK BONUSES HERE AND THE BEST INVESTING BONUSES HERE.

Disclaimers:

1. 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. Autopay is not required to receive a loan from SoFi. ↩︎
2. If you lose your job through no fault of your own, you may apply for Unemployment Protection. If your loan(s) is/are in good standing at the time you request Unemployment Protection SoFi will, upon approval, help to modify your monthly SoFi loan payments. Interest will continue to accrue and will be added to your principal balance at the end of each forbearance period, to the extent permitted by applicable law. Benefits are offered in three-month increments, and capped at 12 months, in aggregate, over the life of the loan. To be eligible for this assistance you must provide proof that you have applied for and are eligible for unemployment compensation.See SoFi.com/faq-upp for details. ↩︎
3. To check the rates and terms you may qualify for, SoFi conducts a soft credit pull that will not affect your credit score. However, if you choose a product and continue your application, we will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit pull and may affect your credit. ↩︎