SoFi Home Improvement Loan
SoFi
4.5
8.99%–25.81% APR$5,000–$100,000Fee: NoneMin credit: 680+
APR Range
8.99%–25.81%
Loan Amount
$5,000–$100,000
Term
24–84 mo
Origination Fee
None
Our take
SoFi offers no-fee home improvement loans with same-day to few-day funding and access to exclusive member benefits.
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Full details
| Minimum loan amount | $5,000 |
| Maximum loan amount | $100,000 |
| Lowest APR | 8.99% |
| Highest APR | 25.81% |
| Shortest term | 24 months |
| Longest term | 84 months |
| Origination fee | None |
| Minimum credit score | 680+ |
| Funding speed | Same day to a few days |
Frequently asked questions
What is the APR range for SoFi Home Improvement Loan?
SoFi Home Improvement Loan offers APR from 8.99% to 25.81%. Your actual rate depends on creditworthiness, loan amount, and term length.
How much can I borrow with SoFi Home Improvement 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 Home Improvement 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 Home Improvement Loan charge an origination fee?
No, SoFi Home Improvement 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 Home Improvement Loan?
SoFi Home Improvement Loan typically funds loans within Same day to a few days. Actual funding time may vary based on verification requirements and your bank.
Is SoFi Home Improvement Loan worth it?
SoFi offers no-fee home improvement loans with same-day to few-day funding and access to exclusive member benefits.
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Verified Apr 2026
SoFi Home Improvement Loan