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Why do over 7.5 million members love SoFi?
The savings and experiences of members herein may not be representative of the experiences of all members.
Savings are not guaranteed and will vary based on your unique situation and other factors.
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How can I use a family planning loan?
New additions to the family can be expensive. A SoFi personal loan could be a smart financing alternative to high-interest credit cards, helping you cover pregnancy, adoption, IVF or surrogacy costs with manageable monthly payments.
IVF Loans
Effortless IVF financing that can save you thousands.
IVF treatments, particularly for multiple cycles, can wreak havoc on credit cards and savings. A low-rate, no-fee option SoFi personal loan lets you become a parent, without the credit card debt.
IVF Loans
Effortless IVF financing that can save you thousands.
IVF treatments, particularly for multiple cycles, can wreak havoc on credit cards and savings. A low-rate, no-fee SoFi Personal Loan lets you become a parent, without the credit card debt.
Learn more. →
Adoption Loans
Adoption financing for life’s greatest gift - parenthood.
Achieve parenthood and financial freedom together. SoFi’s the savvy way to finance international adoptions and private domestic adoptions, with low rates, no fees required and fixed-rates that help you save for the future.
Adoption Loans
Adoption financing for life’s greatest gift - parenthood.
Achieve parenthood and financial freedom together. SoFi’s the savvy way to finance international adoptions and private domestic adoptions, with low rates, no fees and fixed-rates that help you save for the future.
Learn more. →
Surrogacy Loans
Surrogacy financing made simple.
Finance your surrogacy with SoFi and save thousands with a lower interest rate than high-APR credit cards.
Surrogacy Loans
Surrogacy financing made simple.
Finance your surrogacy with SoFi and save thousands with a lower interest rate than high-APR credit cards.
Pregnancy Loans
Finance unexpected costs when you’re expecting.
Giving birth is hard enough. With low rates and no fees required, finding financial security for you and your newborn has never been easier.
Pregnancy Loans
Finance unexpected costs when you’re expecting.
Giving birth is hard enough. With low rates and no fees, finding financial security for you and your newborn has never been easier.
Why SoFi for family planning financing?
Fast funding
Get your funds as quickly as the same day your loan is approved.*
Fixed Payments
Fixed payments keep your budget manageable, so you can cover the expected (and unexpected) costs of family planning.
Save money
Save with low fixed-rate monthly payments and no compounding interest, compared to high-APR credit cards.
Zero fees required
Unlike other lenders, SoFi has zero fees required. No origination fees required, no prepayment fees and no late fees.
Looking to finance IVF treatment?
SoFi expanded our personal loan coverage to IVF treatments because we believe fertility financing should be as easy and as affordable as possible. That’s why SoFi, unlike other lenders, has zero fees required. No origination fees required, no prepayment fees and no late fees.
Looking to finance an adoption?
SoFi’s adoption loans provide peace-of-mind financing when you’re looking to add a new addition to your family. Low fixed-rate monthly payments make it easier to pay back all adoption expenses, so you can spend your energy with your little one rather than stressing over finances.
Get started in 60 seconds.
Speed matters. Which is why you can view your personal loan rate—in a literal minute.
(without impacting your credit score)†
Terms and conditions apply. SOFI RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS AND BENEFITS AT ANY TIME WITHOUT NOTICE. To qualify, a borrower must be a U.S. citizen or other eligible status, be residing in the U.S., and meet SoFi's underwriting requirements. Not all borrowers receive the lowest rate. Lowest rates reserved for the most creditworthy borrowers. If approved, your actual rate will be within the range of rates at the time of application and will depend on a variety of factors, including term of loan, evaluation of your creditworthiness, income, and other factors. If SoFi is unable to offer you a loan but matches you for a loan with a participating bank, then your rate may be outside the range of rates listed above. Rates and Terms are subject to change at any time without notice. SoFi Personal Loans can be used for any lawful personal, family, or household purposes and may not be used for post-secondary education expenses. Minimum loan amount is $5,000. The average of SoFi Personal Loans funded in 2022 was around $30K. Information current as of 03/03/23. SoFi Personal Loans originated by SoFi Bank, N.A. Member FDIC. NMLS #696891 (www.nmlsconsumeraccess.org). See SoFi.com/legal for state-specific license details. See SoFi.com/eligibility for details and state restrictions.
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. Not all applicants qualify for the lowest rate. Lowest rates reserved for the most creditworthy borrowers. Your actual rate will be within the range of rates listed and will depend on the term you select, evaluation of your creditworthiness, income, and a variety of other factors.
Loan amounts range from $5,000– $100,000. The APR is the cost of credit as a yearly rate and reflects both your interest rate and an origination fee of 0%-7%, which will be deducted from any loan proceeds you receive. 5 Autopay: The SoFi 0.25% autopay interest rate reduction requires you to agree to make monthly principal and interest payments by an automatic monthly deduction from a savings or checking account. The benefit will discontinue and be lost for periods in which you do not pay by automatic deduction from a savings or checking account. Autopay is not required to receive a loan from SoFi. 7 Direct Deposit Discount: To be eligible to potentially receive an additional (0.25%) interest rate reduction for setting up direct deposit with a SoFi Checking and Savings account offered by SoFi Bank, N.A. or eligible cash management account offered by SoFi Securities, LLC (“Direct Deposit Account”), you must have an open Direct Deposit Account within 30 days of the funding of your Loan. Once eligible, you will receive this discount during periods in which you have enabled payroll direct deposits of at least $1,000/month to a Direct Deposit Account in accordance with SoFi’s reasonable procedures and requirements to be determined at SoFi’s sole discretion. This discount will be lost during periods in which SoFi determines you have turned off direct deposits to your Direct Deposit Account. You are not required to enroll in direct deposits to receive a Loan. ** Terms and conditions apply. Offer good for new personal loan customers with credit cards in their name only and subject to lender approval. To receive the offer, you must: (1) register and/or apply through this landing page; (2) complete a loan application with SoFi within 90 days of your application submit date; (3) meet SoFi’s underwriting criteria; (4) apply 50% or more of your loan proceeds directly to your creditors. Once conditions are met and the loan has been disbursed, the interest rate shown in the Final Disclosure Statement will include an additional 0.25% rate discount. Offer good for new customers only. SoFi reserves the right to change or terminate the Rate Discount Program to unenrolled participants at any time with or without notice. It takes about 3 business days for your credit card lender to receive payment after your loan is signed. You will be responsible for making all required payments to avoid credit card fees.‡ Same-Day Personal Loan Funding: 82% of typical SoFi Personal Loan applications, excluding Direct Pay Personal Loans and Personal Loan refinance, from January 1, 2022 to December 31, 2022 that were signed before 7pm ET on a business day were funded the same day.
Terms and Conditions Apply. SOFI RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS AND BENEFITS AT ANY TIME WITHOUT NOTICE. To qualify, a borrower must be a U.S. citizen or other eligible status and and meet SoFi's underwriting requirements. Not all borrowers receive the lowest rate. Lowest rates reserved for the most creditworthy borrowers. If approved, your actual rate will be within the range of rates listed above and will depend on a variety of factors, including term of loan, evaluation of your creditworthiness, years of professional experience, income, and a variety of other factors. Rates and Terms are subject to change at anytime without notice and are subject to state restrictions. SoFi refinance loans are private loans and do not have the same repayment options that the federal loan program offers, or may become available, such as Income Based Repayment or Income Contingent Repayment or PAYE. Licensed by the Department of Financial Protection and Innovation under the California Financing Law License No. 6054612. SoFi loans are originated by SoFi Lending Corp. or an affiliate, NMLS # 1121636. (www.nmlsconsumeraccess.org)
✝︎ To check the rates and terms you qualify for, SoFi conducts a soft credit pull that will not affect your credit score. However, if you choose a product and continue your application, we will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit pull and may affect your credit.
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