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    Refinance your student loans and believe in life after debt. View your rate in 2 minutes! Fixed Interest Rates Starting At 5.24% APR (w/AutoPay). View Your Rate Today!

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  1. Sign your loan, wait for your school’s approval, and then it’s time to hit the books! Getting online student loans couldn’t be easier. View your rate. Bottom line: Help starts with a phone call at 855-456-SOFI (7634) Mon.–Thu. 5am–7pm PT, and Fri.–Sun. 5am–5pm PT.

  2. Personal Loan Terms. Fixed rates from 8.99% APR to 29.49% APR reflect the 0.25% autopay interest rate discount and a 0.25% direct deposit interest rate discount. SoFi rate ranges are current as of and are subject to change without notice. The average of SoFi Personal Loans funded in 2022 was around $30K.

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  4. SoFi members with Qualifying Deposits can earn 4.60% APY on savings balances (including Vaults) and 0.50% APY on checking balances. Qualifying Deposits means one or more deposits that, in the aggregate, are equal to or greater than $5,000 to an account holder’s SoFi Checking and Savings account (“Qualifying Deposits”) during a 30-day ...

  5. Student Loan Refinancing variable rate loans for 5, 7 and 10 Year terms are capped at 13.95% APR, 15 and 20 Year terms are capped at 13.95% APR. ** Autopay Discount. The SoFi 0.25% autopay interest rate reduction requires you to agree to make your scheduled monthly payments by an automatic monthly deduction (ACH) from a savings or checking account.

  6. Jun 7, 2023 · 1. The value of the loan (the “principal”) 2. The interest rate on the loan. 3. The repayment period (also known as the loan’s term) When a borrower refinances their student loan (s), they are typically looking to change either the second or third list item, or both.

  7. Jun 19, 2023 · For refinancing student loans, you’ll typically need to have a credit score in the high 600s to qualify. You may need to raise your credit score before you apply for student loan refinancing. You may be able to raise your credit score by doing the following: • Pay your bills on time. • Dispute errors on your credit report.

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