Old version
June 6, 2026 09:24 UTC
032ad023bf946282bf98c63a8033469f6130d7881ebe9465b4090d299936f880
CA-V-003498
New version
June 9, 2026 00:20 UTC
6f32c241ff6e2d7601dea6676d997e36a46c577be79369a266ebbc98480fcf5a
CA-V-003550
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Change Summary
SoFi's Terms of Service underwent minor formatting and navigation updates on June 9, 2026. The changes primarily involved reorganizing page navigation elements (adding 'Skip To Main Content' and 'Accessible Menu' links), modifying button labels ('Find My Rate' to 'Get Started'), and adjusting internal page linking structures. One substantive modification removed language referring to the Arbitration Agreement from the E-Sign Agreement section, though the reference now appears separately as a PDF File link. These changes do not materially alter the binding effect of the terms or the services covered.
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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.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.
13Learn More About Us Our Leadership Meet the SoFi leadership team and board members.13Learn More about About Us Our Leadership Meet the SoFi leadership team and board members.
24Log In Find My Rate Select a product to get started.24Log In Get Started Select a product to get started.
32Confirmation # Confirmation # invalid Zip Code Get Started Cancel Leaving SoFi Website You are now leaving the SoFi website and entering a third-party website.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.
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.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 .
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.
51GENERAL TERMS II.52GENERAL TERMS - same page link II.
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. 1.53SPECIFIC 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.
53Connected Accounts 2.54Connected Accounts - same page link 2.
54Relay (Financial Insights and Tools) 3.55Relay (Financial Insights and Tools) - same page link 3.
55Credit Score Monitoring 4.56Credit Score Monitoring - same page link 4.
56At Work Services (If you reach SoFi through your Employer) 5.57At Work Services (If you reach SoFi through your Employer) - same page link 5.
57SoFi Marketplace & Lantern 6.58SoFi Marketplace & Lantern - same page link 6.
58SoFi Mobile App 7.59SoFi Mobile App - same page link 7.
59Referral Program 8.60Referral Program - same page link 8.
60SoFi Member Rewards Program 9.61SoFi Member Rewards Program - same page link 9.
61Use of artificial intelligence in SoFi Coach 10.62Use of artificial intelligence in SoFi Coach - same page link 10.
62SoFi Plus 11.63SoFi Plus - same page link 11.
63SoFi Insurance Agency Services (Protect) General Terms 1.64SoFi Insurance Agency Services (Protect) - same page link General Terms 1.
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.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. .
84Please read SoFi’s Privacy Policy and Privacy Notice for a full description of how SoFi will collect, use and share information about you.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.
86This Terms of Use does not limit the application of the SoFi Privacy Policy or Privacy Notice . 5.87This Terms of Use does not limit the application of the SoFi Privacy Policy or Privacy Notice .
88PDF File . 5.
403Credit Score Monitoring Referral Program SoFi will give you 1,000 rewards points (equivalent to $10) if the person you refer registers to use, and successfully activates SoFi Credit Score Monitoring within 60 days of the person clicking on your unique referral link.405Credit Score Monitoring Referral Program SoFi will give you 1,500 rewards points (equivalent to $15) if the person you refer registers to use, and successfully activates SoFi Credit Score Monitoring within 60 days of the person clicking on your unique referral link.
406Once the referral qualifications have been met, SoFi will: (a) credit referred members 1,000 rewards points and (b) credit the referrer 1,000 rewards points (equivalent to $10) within 7 business days.408Once the referral qualifications have been met, SoFi will: (a) credit referred members 1,000 rewards points and (b) credit the referrer 1,500 rewards points (equivalent to $15) within 7 business days.
596PDF File .
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 Eligibility Criteria ADA Accessibility Business Continuity Your privacy options QUESTIONS FAQs Contact Us ALSO OF INTEREST Home Mortgage Calculator Personal Loan Calculator First-Time Homebuyer Guide Retirement Calculator SoFi's Scholarship Giveaway ALSO OF INTEREST Home Mortgage Calculator Personal Loan Calculator First-Time Homebuyer Guide Retirement Calculator SoFi's Scholarship Giveaway Intel, insights, and inspo for this financial moment, delivered straight to your inbox.929Customer 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 Disclosures and Agreements Licenses NMLS Access Opens A New Window.
930Eligibility Criteria ADA Accessibility Business Continuity Your privacy options QUESTIONS FAQs Contact Us ALSO OF INTEREST Home Mortgage Calculator Personal Loan Calculator First-Time Homebuyer Guide Retirement Calculator SoFi's Scholarship Giveaway ALSO OF INTEREST Home Mortgage Calculator Personal Loan Calculator First-Time Homebuyer Guide Retirement Calculator SoFi's Scholarship Giveaway Intel, insights, and inspo for this financial moment, delivered straight to your inbox.
936Loans are originated by SoFi Bank, N.A. (Member FDIC) NMLS #696891 ( www.nmlsconsumeraccess.org ) Equal Housing Lender.940Loans are originated by SoFi Bank, N.A. (Member FDIC) NMLS #696891 ( www.nmlsconsumeraccess.org Opens A New Window. ) Equal Housing Lender.
962Back Clear checkbox label label Apply Cancel Consent Leg.Interest Switch Label label Switch Label label Switch Label label Confirm My Choices966Back 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 Download
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