Can You Refinance a Personal Loan With SoFi?

There are several factors to take into account if you are considering refinancing your SoFi personal loan:

  • All SoFi loans must be in good standing.
  • You cannot refinance a personal loan with a co-borrower.
  • You must have made at least three consecutive on-time payments.
  • You must still meet the qualifications for a SoFi personal loan.
  • You can refinance a SoFi personal loan directly within your account. Always review the terms and details of your loan before proceeding with refinancing.

For customer service inquiries, SoFi offers support via email, phone, or live chat during business hours.

For telephone inquiries, you can contact SoFi at 855-456-7634 from Monday to Thursday between 5:00 a.m. and 7:00 p.m. PT, and Friday to Sunday between 5:00 a.m. and 5:00 p.m. PT.

You can also chat with Personal Loans Support on their website from Monday to Thursday between 5:00 a.m. and 7:00 p.m. PT, and Friday to Sunday between 5:00 a.m. and 5:00 p.m. PT.

For 24/7 assistance, you can reach out to SoFi Support on Twitter @SoFiSupport.

In terms of customer satisfaction, SoFi is ranked as a top-ten personal loan lender in the latest J.D. Power Consumer Lending Satisfaction Study, securing the fourth position. Additionally, SoFi receives high ratings on review sites like Trustpilot, with 4.7 stars and over 7,000 reviews.

To apply for a SoFi personal loan, you can follow these four steps online:

  1. Get Pre-qualified: Fill out an online application for pre-qualification to check your rates and loan terms without impacting your credit score. You will need to provide your full name, current address, income information, and date of birth.
  2. Select a loan offer: SoFi will display the loan options you qualify for, including interest rates and loan term lengths. Loan terms range from 24 to 84 months, and interest rates may vary based on the loan term and amount borrowed. Choose a loan to proceed with your full application.
  3. Submit an application: Once you have chosen a loan, complete the online application. You may need to submit various documents.