SoFi Personal & Mortgage Loan Programs


SoFi is the leader in marketplace lending and has issued $10+ billion in loans for over 150,000 borrowers. SoFi, an exclusive participant of the ACR Members Benefit Plus ProgramTM, is offering their programs to you, our valued members.

 SoFi offers a range of financial products available to our members including student loan refinancing, mortgages, and personal loans. ACR members qualify for the following discounts upon applying to SoFi. Applicants MUST apply through the following links in order to receive the corresponding discount:

Student Loan Refinance

(0.125% Rate Discount)

Personal Loans

(No Welcome Bonus)


($500 Welcome Bonus)

*ACR members may only qualify for only ONE of the above discounts

SoFi Mortgage Opportunities

The mortgage loan product offers ACR members a $500 welcome bonus!

The SoFi Mortgage is designed to help applicants complete in a robust housing market and secure a home (or save money on the one they already own through refinancing). With an all-digital application process, SoFi offers flexible down payments ranging from 10-50% and no mortgage insurance (PMI). SoFi mortgages are available for primary owner-occupied residences and second homes. To find out your rates and to qualify for a $500 welcome bonus, applicants must apply through

SoFi Mortgage Program Features:

  • As little as 10% down (90% LTV) on mortgages up to $3M
  • No hidden fees
  • Pre-Qualify online in 2 minutes; Close in less than 30 days
  • Dedicated mortgage loan officers
SoFi is licensed to originate mortgages in Alabama, Arizona, California, Colorado, Connecticut, Delaware, Florida, Georgia, Idaho, Illinois, Indiana, Maryland, Minnesota, New Jersey, North Carolina, North Dakota, Oregon, Pennsylvania, Rhode Island, Tennessee, Texas, Vermont, Virginia, Washington, Washington, D.C., Wisconsin, and Wyoming (please check for most updated states). 

SoFi Personal Loan Opportunities

SoFi is offering their personal loan program to you, our valued members. Unlike many credit cards, a SoFi Personal Loan has an interest rate under 10%. Fixed rates start at 5.95% APR and variable rates start at 4.80% APR (with AutoPay). You can choose a term that’s right for you, from 3 to 5 to 7 years. ACR members, friends, and family can apply through

SoFi Personal Loan Program Features

  • Loans from $5k to $100k
  • No origination fees or pre-payment penalties
  • Money to finance anything from A to Z – paying off credit cards, making home improvements, or taking a dream vacation
View more information on the SoFi Personal Loan program »

Why SoFi

SoFi is a leader in marketplace lending and the largest provider of student loan refinancing in the United States, commanding approximately 75% market share. With over $10 billion in loans for over 150,000 borrowers, SoFi is growing at a pace of $1 billion in originations per month. SoFi has secured over $1.4 billion in equity financing since it was founded in 2011, and most recently raised a $1B Series E (the largest single-round in fintech history) from SoftBank. Only 3 other companies have raised as much in a single round (Uber,Facebook & Airbnb). 

SoFi is best positioned to weather any turmoil in credit markets. As SoFi has grown, its product offering has expanded to include an employer contribution platform, a wealth management platform, mortgage financing, parent loans, and personal loans. To date, SoFi has partnered with 500+ employers, associations and affiliates to address their audience’s financial needs and offer a diverse set of products.


For more information on any of SoFi's Mortgage & Personal Loan products, feel free to contact SoFi’s dedicated customer service team at or 1.855.456.7634. Be sure to mention you are an ACR member.

Find My Rate Now


The American College of Radiology receives compensation from SoFi for recommending its services to ACR members.

SoFi loans are private loans and do not offer the same flexible repayment terms that are features of federal student loans. Federal loans offer forgiveness programs such as the Public Service Loan Forgiveness Program (PSLFP) and the Teacher Loan Forgiveness Program. If you work in either of these fields, you’ll want to see if one of these programs applies to you before refinancing your federal loans with SoFi.


* If you apply and are approved, the interest rate shown in the Final Disclosure Statement will include an additional rate discount because of your organization’s SoFi partnership at the time of loan origination. Offer good for new customers only.

Terms and conditions apply. SoFi reserves the right to modify or discontinue products and benefits at any time without notice. SoFi loans are private loans and SoFi does not offer the same flexible repayment terms that are features of federal student loans. Rates effective as of March 1, 2016. Fixed rates from 3.50% APR to 7.74% (with AutoPay). Variable rates from 2.14% APR to 5.94% (with AutoPay). Interest rates on variable rate loans are capped at either 9.25% or 10.25% depending on term of loan. Lowest variable rate of 2.14% APR assumes current 1 month LIBOR rate of 0.44% plus 1.70% margin. Not all borrowers receive the lowest rate. If approved for a loan, the fixed or variable interest rate offered will depend on your creditworthiness, and the term of the loan and other factors, and will be within the ranges of rates listed above. 

For the SoFi variable rate loan, the 1-month LIBOR index will adjust monthly and the loan payment will be re-amortized and may change monthly. APRs for variable rate loans may increase after origination if the LIBOR index increases. The SoFi 0.25% AutoPay interest rate reduction requires you to agree to make monthly principal and interest payments by an automatic monthly deduction from a savings or checking account. The benefit will discontinue and be lost for periods in which you do not pay by automatic deduction from a savings or checking account. Eligible borrowers must be U.S. citizens or permanent residents and meet SoFi’s underwriting requirements. SoFi loans not offered to residents of Nevada. Other state restrictions may apply. See eligibility requirements at SoFi loans are originated by SoFi Lending Corp (dba SoFi) California Finance Lender #6054612. NMLS #1121636.

The American College of Radiology (ACR) does not endorse any services and products offered to its members through the ACR Benefits Plus™ Program. We assume no responsibility for any specific use of the services and products by a member or his or her practice. Additionally, ACR disclaims all liability for any claims or damages that anyone asserts based on using any of these services or products. We encourage members to assess whether and how a particular service or product might fit their individual needs.