SoFi Auto Loan
SoFi
4.5
5.99%–17.99% APR$5,000–$100,000Fee: NoneMin credit: 680+
APR Range
5.99%–17.99%
Loan Amount
$5,000–$100,000
Term
24–84 mo
Origination Fee
None
Our take
SoFi covers both purchase and refinance with no fees and member benefits like career coaching and financial planning.
Pros and cons
Pros
- +Purchase and refinance available
- +Purchase and refinance available
- +No fees
- +No fees
- +Member benefits
- +Member benefits
Cons
- −Good credit needed
- −Good credit needed
- −Online only
- −Online only
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Full details
| Minimum loan amount | $5,000 |
| Maximum loan amount | $100,000 |
| Lowest APR | 5.99% |
| Highest APR | 17.99% |
| Shortest term | 24 months |
| Longest term | 84 months |
| Origination fee | None |
| Minimum credit score | 680+ |
| Funding speed | A few days |
Frequently asked questions
What is the APR range for SoFi Auto Loan?
SoFi Auto Loan offers APR from 5.99% to 17.99%. Your actual rate depends on creditworthiness, loan amount, and term length.
How much can I borrow with SoFi Auto Loan?
Loan amounts range from $5,000 to $100,000. The amount you qualify for depends on your income, credit score, and existing debt.
What credit score do I need for SoFi Auto Loan?
A minimum credit score of 680 is typically required. However, meeting the minimum doesn't guarantee approval — lenders also consider income, debt-to-income ratio, and employment history.
Does SoFi Auto Loan charge an origination fee?
No, SoFi Auto Loan does not charge an origination fee, which means 100% of your approved loan amount is disbursed to you.
How fast can I get funded with SoFi Auto Loan?
SoFi Auto Loan typically funds loans within A few days. Actual funding time may vary based on verification requirements and your bank.
Is SoFi Auto Loan worth it?
SoFi covers both purchase and refinance with no fees and member benefits like career coaching and financial planning.
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Verified Apr 2026
SoFi Auto Loan