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SoFi Refinance Rates
Min. credit score: 660 · Min. equity: 20%
30-Year Refi
6.305%
APR 6.455%
15-Year Refi
5.555%
APR 5.705%
Cash-Out Refi
6.555%
APR 6.705%
Jumbo Refi
6.420%
APR 6.570%
VA IRRRL
5.680%
APR 5.830%
FHA Streamline
5.930%
APR 6.080%
vs. National Average
National Avg (30yr)
6.930%
SoFi Difference
-0.625%
SoFi Pros & Cons
Pros
- No origination fees
- Member discounts
- Competitive rates
- Fast online process
Cons
- Membership required
- Limited state availability
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Frequently Asked Questions
What is SoFi's current refinance rate?+
SoFi's current 30-year refi rate is 6.305%, 15-year is 5.555%, and cash-out rate is 6.555%. Rates may vary based on credit score and loan amount.
What credit score do I need to refinance with SoFi?+
SoFi requires a minimum credit score of 660 for most refinance products. Higher scores qualify for better rates.
Does SoFi offer cash-out refinancing?+
Yes, SoFi offers cash-out refinancing at 6.555% for qualified borrowers with at least 20% equity remaining after the refinance.