Review: Is it Really Fast and Easy?


SoFi Refinance Review

You may have received a promotional offer from SoFi tempting you to refinance your student loans at a lower rate.

Fixed rates with autopay can start as low as 3.49% APR while variable rates with autopay can start as low as 2.51% APR.

Loan terms are available at 5,7,10, 15 or 20 years and loan amounts max out at $5,000 up to your total outstanding balance.

(Please note MOST applicants while not receive the lowest rate possible as that is reserved for those with an outstanding credit rating… learn how to raise your credit score now!)

BUT even though you will most likely not qualify for the lowest rate the offer is still a good sandwich.

Let’s take a look at the pros and cons of the offer…

SoFi Refi Benefits

  • Will most likely lower your student loan rate
  • You can sign up for autopay to lower the rate further
  • The application is truly fast and easy (painless)
  • SoFi does not try to trick the applicant with any hidden fees

SoFi Refi Negatives

  • Co-signer release not available
  • Loan size minimum is higher than most lenders’

Please note in order to apply please go to and enter your confirmation number.

Need a personal loan?


Your confirmation number 14 digits in length (format xxxxxx-xxxxxxxx) and can be found in the top right-hand corner of the Refinance with SoFi promotional letter.

Bottom Line

As you can see the benefits far outweigh the negatives.

By all means, if you have a student loan and received this SoFi Refi offer go ahead and apply!


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