Old version
May 1, 2026 06:05 UTC
9d928eec7cb4feebd1d4728370638f8a0470801e150d4b6f34f10b612db2e0a1
CA-V-002049
New version
May 1, 2026 15:57 UTC
74e3752b19ef175370f10318e4278f1b7959eecc1e1e03769688eb5ca13cb527
CA-V-002076
Share 𝕏 Share in Share
Change Summary
SoFi's Terms of Use now explicitly reference the Arbitration Agreement as a binding document that users must accept to use the platform or obtain SoFi products and services. The updated language also clarifies that all communication related to SoFi and its products may occur in electronic form. The primary substantive change moves the arbitration requirement from a separate document into the explicit acceptance requirement at the outset of the terms.
medium severity
0 Sentences added
4 Sentences removed
23 Sentences modified
963 Sentences before
959 Sentences after
Added
Removed
Modified
BeforeAfter
0Terms of Use | SoFi Skip To Main Content Accessible Menu - Main Log In Contact Us Products Loans Student Loan Refinancing Medical Resident Refinancing Parent PLUS Refinancing Medical Professional Refinancing Law and MBA Refinancing SmartStart Refinancing Private Student Loans Undergraduate Student Loans Graduate Student Loans Law School Loans MBA Loans Health Professions Loans Parent Student Loans Medical and Veterinary Loans Dental Loans STEM Loans Auto Loan Refinance Personal Loans Home Improvement Loans Credit Card Consolidation Loans Family Planning Loans Travel Loans Wedding Loans Mortgage Loans Home Purchase Loans Mortgage Refinance Cash-Out Refinance Jumbo Loans FHA Loans VA Loans Mortgage Preapproval Mortgage Rates Home Equity Home Equity Loans HELOC Investing Invest Self-Directed Investing Robo Investing Retirement Accounts (IRAs) Stock Trading IPO Investing Fractional Shares ETFs Credit Cards Credit Cards Everyday Cash Rewards Card Essential Card Unlimited 2% Card Premium Membership SoFi Plus Banking Banking Checking Account High Yield Savings Account International Money Transfers Crypto Crypto Insurance Insurance Auto Insurance Life Insurance Homeowners Insurance Renters Insurance Estate Planning Financial Insights Financial Insights Credit Score Monitoring Budgeting and Spending Property Tracking Investment Portfolio Summary Debt Summary Business Solutions SoFi at Work Small Business Financing Line of Credit Equipment Financing Startup Loans Business Checking Business Credit Card Browse all products SoFi Plus Member Benefits Member Benefits As a SoFi member, you get access to exclusive benefits designed to help set you up for success with your money, community, and career.0Terms of Use | SoFi Log In Contact Us Products Loans Student Loan Refinancing Medical Resident Refinancing Parent PLUS Refinancing Medical Professional Refinancing Law and MBA Refinancing SmartStart Refinancing Private Student Loans Undergraduate Student Loans Graduate Student Loans Law School Loans MBA Loans Health Professions Loans Parent Student Loans Medical and Veterinary Loans Dental Loans STEM Loans Auto Loan Refinance Personal Loans Home Improvement Loans Credit Card Consolidation Loans Family Planning Loans Travel Loans Wedding Loans Mortgage Loans Home Purchase Loans Mortgage Refinance Cash-Out Refinance Jumbo Loans FHA Loans VA Loans Mortgage Preapproval Mortgage Rates Home Equity Home Equity Loans HELOC Investing Invest Self-Directed Investing Robo Investing Retirement Accounts (IRAs) Stock Trading IPO Investing Fractional Shares ETFs Credit Cards Credit Cards Everyday Cash Rewards Card Essential Card Unlimited 2% Card Premium Membership SoFi Plus Banking Banking Checking Account High Yield Savings Account International Money Transfers Crypto Crypto Insurance Insurance Auto Insurance Life Insurance Homeowners Insurance Renters Insurance Estate Planning Financial Insights Financial Insights Credit Score Monitoring Budgeting and Spending Property Tracking Investment Portfolio Summary Debt Summary Business Solutions SoFi at Work Small Business Financing Line of Credit Equipment Financing Startup Loans Business Checking Business Credit Card Browse all products SoFi Plus Member Benefits Member Benefits As a SoFi member, you get access to exclusive benefits designed to help set you up for success with your money, community, and career.
13Learn More about About Us Our Leadership Meet the SoFi leadership team and board members.13Learn More About Us Our Leadership Meet the SoFi leadership team and board members.
32Confirmation # Confirmation # invalid Zip Code Get Started Cancel X Leaving SoFi Website You are now leaving the SoFi website and entering a third-party website.32Confirmation # Confirmation # invalid Zip Code Get Started Cancel Leaving SoFi Website You are now leaving the SoFi website and entering a third-party website.
43To use the SoFi Site and to obtain any SoFi product or service, you must agree to SoFi’s E-Sign Agreement , which means your acceptance of this Terms of Use Agreement and all other agreements with SoFi, such as our GLBA Privacy Notice .43To use the SoFi Site and to obtain any SoFi product or service, you must agree to SoFi’s E-Sign Agreement , which means your acceptance of this Terms of Use Agreement and all other agreements with SoFi, such as our GLBA Privacy Notice and Arbitration Agreement , are effective and binding on you just as if you had signed the document with pen and ink, and you agree all communication with you related to SoFi and any SoFi product or service may be in electronic form.
44PDF File and Arbitration Agreement , are effective and binding on you just as if you had signed the document with pen and ink, and you agree all communication with you related to SoFi and any SoFi product or service may be in electronic form.Removed
52GENERAL TERMS - same page link II.51GENERAL TERMS II.
53SPECIFIC ADDITIONAL TERMS AND CONDITIONS - same page link If you use ANY of the following SoFi products or services, please read the terms applicable to each — these terms apply to you. 1.52SPECIFIC ADDITIONAL TERMS AND CONDITIONS If you use ANY of the following SoFi products or services, please read the terms applicable to each — these terms apply to you. 1.
54Connected Accounts - same page link 2.53Connected Accounts 2.
55Relay (Financial Insights and Tools) - same page link 3.54Relay (Financial Insights and Tools) 3.
56Credit Score Monitoring - same page link 4.55Credit Score Monitoring 4.
57At Work Services (If you reach SoFi through your Employer) - same page link 5.56At Work Services (If you reach SoFi through your Employer) 5.
58SoFi Marketplace & Lantern - same page link 6.57SoFi Marketplace & Lantern 6.
59SoFi Mobile App - same page link 7.58SoFi Mobile App 7.
60Referral Program - same page link 8.59Referral Program 8.
61SoFi Member Rewards Program - same page link 9.60SoFi Member Rewards Program 9.
62Use of artificial intelligence in SoFi Coach - same page link 10.61Use of artificial intelligence in SoFi Coach 10.
63SoFi Plus - same page link 11.62SoFi Plus 11.
64SoFi Insurance Agency Services (Protect) - same page link General Terms 1.63SoFi Insurance Agency Services (Protect) General Terms 1.
84If you use or obtain any SoFi product or service, SoFi will collect information about you and use it and share it according to SoFi’s Online Privacy Policy and GLBA Privacy Notice. .83If you use or obtain any SoFi product or service, SoFi will collect information about you and use it and share it according to SoFi’s Online Privacy Policy and GLBA Privacy Notice.
85PDF File Please read SoFi’s Privacy Policy and Privacy Notice for a full description of how SoFi will collect, use and share information about you.84Please read SoFi’s Privacy Policy and Privacy Notice for a full description of how SoFi will collect, use and share information about you.
87This Terms of Use does not limit the application of the SoFi Privacy Policy or Privacy Notice .86This Terms of Use does not limit the application of the SoFi Privacy Policy or Privacy Notice . 5.
88PDF File . 5.Removed
593PDF File .Removed
926Customer Support: (855) 456-7634 Mon-Thu 5:00 AM - 7:00 PM PT Fri-Sun 5:00 AM - 5:00 PM PT Home Loans General Support: (844) 763-4466 Mon-Fri 6:00 AM – 6:00 PM PT Closed Saturday & Sunday PRODUCTS SoFi Plus Student Loan Refinancing Medical/Dental Resident Refinancing Parent PLUS Refinancing Medical Professional Refinancing Law and MBA Refinancing SmartStart Refinancing Private Student Loans Undergraduate Student Loans Graduate Student Loans Law School Loans MBA Loans Health Professions Loans Parent Student Loans Personal Loans Credit Card Consolidation Loans Home Improvement Loans Family Planning Loans Travel Loans Wedding Loans Mortgage Loans Home Purchase Loans Mortgage Refinance Auto Loan Refinance Online Investing Self-Directed Brokerage Account Robo Investing IRA Account Stock Trading Options Trading SoFi Protect Renters Insurance Homeowners Insurance Auto Insurance Life Insurance Estate Planning SoFi Credit Card SoFi Checking and Savings Online Checking Account Online Savings Account Debit Card Checking Account Bonus Crypto Financial Insights SoFi at Work Small Business Financing Business Checking Business Credit Card COMPANY About Us Our Leadership How it Works Our Values Press Investors Careers Inclusive Culture Contact Us On the Money FAQs LEGAL Privacy & Security Terms of Use Disclaimers Licenses NMLS Access Opens A New Window.923Customer Support: (855) 456-7634 Mon-Thu 5:00 AM - 7:00 PM PT Fri-Sun 5:00 AM - 5:00 PM PT Home Loans General Support: (844) 763-4466 Mon-Fri 6:00 AM – 6:00 PM PT Closed Saturday & Sunday PRODUCTS SoFi Plus Student Loan Refinancing Medical/Dental Resident Refinancing Parent PLUS Refinancing Medical Professional Refinancing Law and MBA Refinancing SmartStart Refinancing Private Student Loans Undergraduate Student Loans Graduate Student Loans Law School Loans MBA Loans Health Professions Loans Parent Student Loans Personal Loans Credit Card Consolidation Loans Home Improvement Loans Family Planning Loans Travel Loans Wedding Loans Mortgage Loans Home Purchase Loans Mortgage Refinance Auto Loan Refinance Online Investing Self-Directed Brokerage Account Robo Investing IRA Account Stock Trading Options Trading SoFi Protect Renters Insurance Homeowners Insurance Auto Insurance Life Insurance Estate Planning SoFi Credit Card SoFi Checking and Savings Online Checking Account Online Savings Account Debit Card Checking Account Bonus Crypto Financial Insights SoFi at Work Small Business Financing Business Checking Business Credit Card COMPANY About Us Our Leadership How it Works Our Values Press Investors Careers Inclusive Culture Contact Us On the Money FAQs LEGAL Privacy & Security Terms of Use Disclaimers Licenses NMLS Access Eligibility Criteria ADA Accessibility Business Continuity Your privacy options QUESTIONS FAQs Contact Us ALSO OF INTEREST Credit Card Interest Calculator Personal Loan Calculator Home Renovation Cost Calculator Savings Account Calculator IRA Contribution Calculator ALSO OF INTEREST Credit Card Interest Calculator Personal Loan Calculator Home Renovation Cost Calculator Savings Account Calculator IRA Contribution Calculator Intel, insights, and inspo for this financial moment, delivered straight to your inbox.
927Eligibility Criteria ADA Accessibility Business Continuity Your privacy options QUESTIONS FAQs Contact Us ALSO OF INTEREST Credit Card Interest Calculator Personal Loan Calculator Home Renovation Cost Calculator Savings Account Calculator IRA Contribution Calculator ALSO OF INTEREST Credit Card Interest Calculator Personal Loan Calculator Home Renovation Cost Calculator Savings Account Calculator IRA Contribution Calculator Intel, insights, and inspo for this financial moment, delivered straight to your inbox.Removed
938( www.nmlsconsumeraccess.org Opens A New Window. ) ✝︎ To check the rates and terms you qualify for, SoFi conducts a soft credit pull that will not affect your credit score.934( 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.
962Back Clear checkbox label label Apply Cancel Consent Leg.Interest Switch Label label Switch Label label Switch Label label Confirm My Choices Opens in new window PDF Download Word Download Excel Download PowerPoint Download Document Download958Back Clear checkbox label label Apply Cancel Consent Leg.Interest Switch Label label Switch Label label Switch Label label Confirm My Choices
Stay ahead of the changes

Watch this before it changes again

Follow unlimited companies, monitor the clauses that matter across every platform, and get the full institutional analysis on what each change obligates you to do.