How to Apply for a Personal Loan on the SoFi App

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Издатель Mar 16, 2026

Applying for a personal loan through the SoFi app is a streamlined process designed to be completed entirely on your mobile device. It starts with a soft credit check that lets you see your potential rates without impacting your credit score, allowing you to shop around risk-free.

To begin, open the SoFi app on your device. From the main menu or product list, select "Personal Loan." You will then be guided through a series of steps. First, you'll need to enter some basic personal and financial information, including your address, annual income, and your Social Security number . Based on this information, SoFi performs a soft credit pull. This does not affect your credit score and allows you to view pre-qualified offers instantly. You'll be presented with estimated loan amounts, Annual Percentage Rates (APR), and loan terms (typically ranging from 2 to 7 years) that you may qualify for . Review these options and select the loan amount and term that best fits your needs. The app will display the estimated monthly payment and total interest for your chosen selection . Once you've made your choice, you can proceed to submit the final, formal application. At this stage, SoFi will perform a hard credit check, which may temporarily have a minor impact on your credit score. You will also be prompted to upload any required supporting documents directly through the app, such as proof of income or identification . If your application is approved, you will be able to review the final loan agreement and e-sign it within the app to complete the process and receive your funds.

Timestamps:
0:00 - Introduction
0:14 - Opening the App & Starting Pre-Qualification
0:30 - Entering Personal & Financial Information
0:37 - Viewing Pre-Qualified Rates (Soft Credit Pull)
0:45 - Selecting Loan Terms & Amount
0:59 - Submitting Final Application (Hard Credit Pull)
1:14 - Conclusion

Hashtags:
#HowToApplyForAPersonalLoanSoFiApp #SoFi #PersonalLoan #LoanApplication #FinTech #OnlineBanking #CreditCheck #BorrowMoney #PersonalFinance #SoFiApp

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