sofi.com or via the SoFi Mobile App.
SoFi (Social Finance) is a leading digital personal finance company and chartered national bank, serving more than 8 million members nationwide with fixed-rate unsecured personal loans, student loan refinancing, home mortgage loans, and cash-back rewards credit cards.
Whether you need to log in to your SoFi Member dashboard, submit an immediate monthly loan or credit card payment with zero convenience fees, set up automatic recurring monthly AutoPay (and earn a 0.25% APR rate discount), check your free credit score via SoFi Relay, or contact member support, this comprehensive guide covers every payment channel and customer care contact.
SoFi Payment Options & Borrower Benefits Overview
Compare available payment options, fees, and posting speeds:
| Payment Channel | Convenience Fee | Posting Speed |
|---|---|---|
| SoFi Portal & App (Bank ACH / Debit) | $0.00 (Free) | Same-Day Credit if made by 5:00 PM PST |
| AutoPay (Automatic Monthly Draft) | $0.00 (Free + 0.25% APR Discount) | On Monthly Payment Due Date |
| SoFi Checking & Savings Internal Transfer | $0.00 (Free) | Instant Real-Time Balance Posting |
| Automated Phone System (IVR) | $0.00 (Free ACH) | Instant Confirmation |
How to Pay Your SoFi Loan Online (Step-by-Step)
- Navigate to: sofi.com/login (or open SoFi Mobile App).
- Enter your Email Address and Password and click “Log In” with Two-Factor Verification.
- Select your active SoFi Personal Loan, Student Loan, or Credit Card.
- Click “Make a Payment”.
- Select funding account: linked external bank checking account or SoFi Money/Checking account.
- Choose payment amount: Regular Monthly Due, Full Payoff Balance, or Extra Principal.
- Submit payment to receive an instant electronic confirmation receipt number.
Alternative Payment Channels
- AutoPay 0.25% APR Discount: Set up recurring monthly automatic payments to reduce your loan interest rate by 0.25% for the life of active AutoPay drafts.
- No Prepayment Penalties: SoFi loans carry zero prepayment penalties or early payoff fees; make extra principal payments at any time.
- Pay by Phone: Call SoFi automated telephone banking 24/7 toll-free at 1-855-456-7634 (1-855-456-SOFI).
- Pay by Mail: Send payment check with loan coupon to:
SoFi Lending Corp.
P.O. Box 654158
Dallas, TX 75265-4158
SoFi Customer Support Directory
- Personal Loan Support: 1-855-456-7634 (Mon–Thu 5:00 AM – 7:00 PM PST, Fri–Sun 5:00 AM – 5:00 PM PST)
- Student Loan Servicing: 1-855-456-7634
- Credit Card Customer Care: 1-844-945-7634
- Hearing Impaired (TTY): 711
- Official Digital Banking Portal: sofi.com
- Corporate Headquarters: 234 1st Street, San Francisco, CA 94105
Frequently Asked Questions (FAQ)
Does SoFi charge late payment fees?
SoFi is committed to no hidden fees and does not charge late payment fees, origination fees, or prepayment fees on personal loans.
How do I check my payoff quote on SoFi?
Log in to your account at sofi.com, go to “Loan Details > Payoff Quote”, and generate your calculate 10-day payoff balance with wire details.
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Disclaimer: BillPayment.guide is an independent consumer finance guide and is not affiliated with, endorsed by, or operated by SoFi Technologies, Inc. or SoFi Bank, N.A. All trademarks belong to SoFi.
Anisur Rahman brings over 17 years of experience at the intersection of complex technology and digital strategy to BillPayment.guide. Active in the digital space since 2009, Anisur uses his deep industry insights to break down financial technologies, secure online payment methods, and digital platforms. His actionable guides help readers navigate the fast-paced digital economy and manage their online transactions with confidence.
