SoFi Terms of Use

Account & Service Control · Restriction or exception

You may accept only if legally authorized and of legal age

You may accept this Agreement and use the SoFi Site only if you are legally authorized to accept and be bound by its terms and are of a legal age to enter the Agreement. The Agreement does not state a specific age here.

Supporting quotations

You may only accept this Agreement and use the SoFi Site if you are legally authorized to accept and be bound by these terms and of a legal age to enter this Agreement.

Qualifications & exceptions

• Both conditions apply: legal authorization to be bound, and legal age to enter the Agreement.

Not stated here

• No specific minimum age is stated in this sentence.

Account & Service Control · Restriction or exception

You must confirm online transactions yourself before relying on them

You must confirm any transaction attempted online (such as a submission of information or a trade request) before relying on it being completed. The Agreement makes it your responsibility to verify the status of an attempted transaction by reviewing your accounts or contacting SoFi Customer Support.

Supporting quotations

You must confirm any transaction (such as a submission of information or a trade request) attempted online before relying on it being completed. It is your responsibility to verify the status of any attempted transaction by reviewing your accounts or contacting SoFi Customer Support

Qualifications & exceptions

• Applies to transactions attempted online, with a submission of information or a trade request given as examples.

Account & Service Control · Restriction or exception

You certify your phone numbers and update them; SoFi may use any contact details you gave it or its affiliates

You certify that the telephone numbers you have given SoFi are your contact numbers and that you are permitted to receive calls at each. You agree to promptly alert SoFi whenever you stop using a particular telephone number. SoFi may contact you using any information you have provided to SoFi or any of its affiliates, at any telephone number, or any physical, email or electronic address you provide or at which you may be reached.

Supporting quotations

You certify telephone numbers that you have provided to us are your contact numbers and that you are permitted to receive calls at each of the telephone numbers you have provided to us. You agree to promptly alert us whenever you stop using a particular telephone number.

We may contact you using any information you have provided to SoFi or any of its affiliates, at any telephone number, or any physical, email, or electronic address you provide or at which you may be reached.

Qualifications & exceptions

• The certification covers numbers you provided to SoFi; the contact permission extends to information given to SoFi or any of its affiliates.

Account & Service Control · Restriction or exception

You must provide accurate information; SoFi may end a submission and can decline any loan application

You agree to provide current, complete and accurate information about yourself and any co-borrowers or co-signers. If any information you provide is untrue, inaccurate, not current or incomplete, SoFi has the right to terminate your submission and to decline to provide any and all future use of the SoFi Site. At all times SoFi reserves the right to decline any loan submission or application for a loan.

Supporting quotations

You agree you will provide current, complete, and accurate information about yourself and any co-borrowers or co-signers.

If any information you provide is untrue, inaccurate, not current, or incomplete, SoFi has the right to terminate your submission and to decline to provide any and all future use of the SoFi Site. At all times we reserve the right to decline any loan submission or application for a loan.

Qualifications & exceptions

• The accuracy duty extends to information about co-borrowers and co-signers.
• SoFi's right to decline any loan submission or application applies at all times, not only when information is wrong.

Account & Service Control · Permission or license

SoFi may suspend or end your use of the site for unauthorized, improper or harmful purposes, in its sole discretion

SoFi reserves the right to suspend, cancel or terminate your use of the SoFi Site and any SoFi product or service if it believes you are using it for a purpose that is unauthorized, improper, illegal, or that could harm SoFi or SoFi's reputation. SoFi may determine in its sole discretion the activities that could lead to suspension or cancellation. You agree not to use any device, software or routine to interfere or attempt to interfere with the proper working of the SoFi Site or any transaction conducted on it.

Supporting quotations

SoFi reserves the right to suspend, cancel, or terminate your use of the SoFi Site and any SoFi product or service if we believe you are using it for a purpose that is unauthorized, improper, illegal, or that could harm SoFi or SoFi’s reputation. SoFi may determine in our sole discretion the activities that could lead to such suspension or cancellation.

You agree that you will not use any device, software or routine to interfere or attempt to interfere with the proper working of the SoFi Site or any transaction being conducted on the SoFi Site.

Qualifications & exceptions

• The trigger is SoFi's belief about your purpose, and SoFi alone determines which activities qualify.

Account & Service Control · Permission or license

SoFi can suspend or end your use at any time for any or no reason, and non-compliance can end it automatically

This Terms of Use Agreement continues to apply to you and your use of the SoFi Site until your SoFi account or relationship is terminated as set forth in the Agreement. SoFi may, in its sole and absolute discretion, at any time, for any or no reason, and with or without prior notice, suspend or terminate your use of the SoFi Site and your rights under the Agreement. If you fail to comply with any term or condition, your access and rights may be automatically terminated without notice or other action by SoFi. You agree that SoFi will not be liable to you or any third party for any termination of your account or access.

Supporting quotations

This Terms of Use Agreement will continue to apply to you and your use of the SoFi Site until your SoFi account or relationship is terminated as set forth herein.

SoFi may, in its sole and absolute discretion, at any time, for any or no reason, and with or without prior notice, suspend or terminate your use of the SoFi Site and the rights afforded to you hereunder.

If you fail to comply with any terms and conditions of this Agreement, then your access to the SoFi Site and any rights afforded to you may be automatically terminated, without any notice to you or other action by SoFi.

You agree that SoFi will not be liable to you or any third party for any termination of your account or access.

Qualifications & exceptions

• SoFi's right applies with or without prior notice and for any or no reason.
• Automatic termination applies if you fail to comply with any term or condition of the Agreement.
• The no-liability statement covers you and any third party.

Not stated here

• The text does not set out how an account or relationship is terminated beyond these statements and the deletion page link.

Account & Service Control · Restriction or exception

The SoFi Site is for personal, non-commercial use by U.S. residents legally able to contract

You agree to abide by all applicable local, state, national and international laws and regulations in your use of the SoFi Site. The SoFi Site is available only to individuals permitted to use it under applicable law, and is made available only for personal, non-commercial use and display by U.S. residents legally capable of entering commercial agreements. If you do not qualify, you should not use it. You also agree to comply with applicable laws on the export of technical data from the U.S.

Supporting quotations

The SoFi Site is available only to individuals who are permitted to use it under applicable law. The SoFi Site is made available only for personal, non-commercial use and display by U.S. residents legally capable of entering commercial agreements. If you do not qualify, do not use the SoFi Site.

You agree to comply with all applicable laws, rules and regulations regarding the export of technical data from the U.S.

Qualifications & exceptions

• Eligibility requires being permitted under applicable law and being a U.S. resident legally capable of entering commercial agreements.
• Use is limited to personal, non-commercial use and display.

Account & Service Control · Context

Connected Accounts are external accounts you link to SoFi, and linking means agreeing to these terms

SoFi offers products and services that let you connect or link external accounts, such as a bank account, a loan or a credit card account held at another institution. SoFi calls these Connected Accounts. You agree to the following terms when you connect an account at another institution.

Supporting quotations

SoFi offers products and services that allow you to “connect” or “link” external accounts, such as a bank account, a loan, or a credit card account held at another institution (we refer to such accounts as a “Connected Account”).

You agree to the following terms and conditions when you connect an account at another institution:

Account & Service Control · Restriction or exception

SoFi Coach is informational and organizational only, and you are solely responsible for your accounts

SoFi Coach offers financial insights and tools to view, aggregate and manage information from multiple accounts, including SoFi accounts and external accounts you connect. If you connect an external account in SoFi Coach, you authorize SoFi to obtain information from it and use it as described in the Connected Accounts terms. The Coach tools are intended to provide only organizational and informational services and not financial planning, investment, tax or retirement planning services or advice. SoFi does NOT review your account information to provide advice or guidance, makes no determination about the suitability or appropriateness of any transactions, and if you use Coach you are fully and solely responsible for your accounts and agree that SoFi's only role is to present and use information for you to review.

Supporting quotations

If you elect to connect an external account in SoFi Coach, you authorize SoFi to obtain information from the Connected Account external account and use it as described above in the section (“Connected Accounts”).

SoFi Coach tools are intended to only provide organizational and informational services regarding your finances. The SoFi Coach tools and services are not intended to provide any financial planning, investment, tax, or retirement planning services or advice.

If you elect to use SoFi Coach, you are fully and solely responsible for your accounts and agree SoFi’s only role is to present and use information for you to review.

Qualifications & exceptions

• The authorization to obtain and use information applies if you connect an external account in SoFi Coach.

Account & Service Control · Restriction or exception

U.S. SoFi employees can earn referral bonuses, except for SoFi Invest, and face data and statement limits

Employees of Social Finance, LLC and its subsidiaries or affiliates in the United States are eligible for Referral Bonuses for any SoFi product with a Referral Program, except that SoFi employees are ineligible for Referral Bonuses for SoFi Invest products. Employee referrals are subject to the Referral Program Official Rules and the Bank, Loan, Credit Score Monitoring and Crypto Referral Program terms and conditions. Employees are strictly prohibited from using any SoFi member data they can access beyond usage necessary and usual for their role, may not make statements about rates, bonuses or product features beyond what SoFi publicly discloses, and must adhere to the company's Code of Business Conduct and Ethics Policy.

Supporting quotations

Employee Referral Program

Employees of Social Finance, LLC and its subsidiaries/affiliates in the United States are eligible to receive Referral Bonuses as applicable for any SoFi product with a Referral Program, except that SoFi employees are ineligible for Referral Bonuses for SoFi Invest products.

Employee Referrals are subject to the Referral Program Official Rules, the Bank Referral Program Terms and Conditions, the Loan Referral Program Terms and Conditions, the Credit Score Monitoring Referral Program Terms and Conditions, and the Crypto Referral Program Terms and Conditions.

Employees are strictly prohibited from use of any SoFi member data to which they have access beyond usage necessary and usual for their role at SoFi. Employees may not make statements about rates, bonuses, or product features beyond what is publicly disclosed directly by SoFi.

Qualifications & exceptions

• Eligibility is for employees in the United States.
• The Code of Business Conduct and Ethics Policy was not supplied.

Not stated here

• The Code of Business Conduct and Ethics Policy was not supplied with this document.

Account & Service Control · Restriction or exception

The Loan Referral Program is open to registered consumers outside Vermont and covers only student and personal loans

The Loan Referral Program of SoFi Bank, N.A. is governed by these terms and the Official Rules. It is open to any consumer who registers on SoFi's website and resides outside the state of Vermont. Eligible Loan Referrers are limited to referring people they believe may be interested in applying for a student loan or personal loan product described in a specific promotional campaign. They will NOT receive a Loan Referral Bonus for referrals for any other SoFi Bank loan products. SoFi Bank may disqualify anyone at any time, and anyone who violates these terms is ineligible for payment of any bonus.

Supporting quotations

The Loan Referral Program is open to any consumer who registers on SoFi’s website and who resides outside of the state of Vermont

Eligible Loan Referrers are limited to refer friends, colleagues, family members, and other people they (collectively, the “Eligible Loan Recipient(s)“) believe may be interested in applying for a student loan or personal loan product as described in a specific promotional campaign

SoFi Bank reserves the right to disqualify anyone from participating in the Loan Referral Program at any time. The Eligible Loan Referrers will NOT receive a Loan Referral Bonus for referrals for any other SoFi Bank loan products. Anyone who violates these terms and conditions is ineligible for payment of any bonus.

Qualifications & exceptions

• Open to consumers who register on SoFi's website and reside outside Vermont.
• Bonuses are limited to the student loan or personal loan products described in a specific promotional campaign.

Account & Service Control · Restriction or exception

Invest referrers need a funded account in good standing; employees are excluded

The SoFi Invest Referral Program lets eligible members refer others to open a new SoFi Invest Self-Directed Invest Account offered by SoFi Securities LLC. To be an Eligible Invest Referrer you must have a SoFi Invest Self-Directed Invest Account offered by SoFi Securities LLC or an Automated Invest account offered by SoFi Wealth LLC that is funded and in good standing (not suspended). Employees of Social Finance, LLC and its affiliates are not eligible for referral bonuses under this program. No referral bonus is paid unless the referred individual opens a new SoFi Invest Self-Directed Invest Account; bonuses are not available for referrals to open an Automated Invest Account or a Self-Directed IRA Account. SoFi Securities or its designee may disqualify anyone at any time.

Supporting quotations

Invest Referral Program

allows eligible members to refer others to open a new SoFi Invest Self-Directed Invest Account offered by SoFi Securities LLC

you must have a SoFi Invest Self-Directed Invest Account offered by SoFi Securities LLC or an Automated Invest account offered by SoFi Wealth LLC that is funded and in good standing (i.e., not suspended). Employees of Social Finance, LLC and its affiliates are not eligible to receive referral bonuses under the Invest Referral Program.

Eligible Invest Referrers will not receive a referral bonus unless the referred individual opens a new SoFi Invest Self-Directed Invest Account. Referral bonuses are not available for referrals to open a SoFi Invest Automated Invest Account or a SoFi Invest Self-Directed IRA Account. SoFi Securities LLC, or its designee (collectively, “SoFi Securities”), reserves the right to disqualify anyone from participation in the Invest Referral Program at any time.

Qualifications & exceptions

• The referrer's account must be funded and in good standing.
• Only a new Self-Directed Invest Account opened by the referred person qualifies.

Account & Service Control · Restriction or exception

Bank referrers must share their link in the Promotion Period and hold a Checking and Savings account in good standing

To be eligible for a referral bonus under the Promotion, covering both the Standard Bonus and the SoFi Plus Additional Bonus, an Eligible Bank Referrer must share their unique referral link during the Promotion Period and have an existing SoFi Checking and Savings account in good standing at the time of their referral bonus payment.

Supporting quotations

To be eligible for a referral bonus under this Promotion (including both the Standard Bonus and the SoFi Plus Additional Bonus), a referrer (an "Eligible Bank Referrer") must:

Share their unique referral link during the Promotion Period; and

Have an existing SoFi Checking and Savings account in good standing at the time of their referral bonus payment.

Qualifications & exceptions

• The account-in-good-standing condition is tested at the time of the referral bonus payment.

Account & Service Control · Restriction or exception

For joint accounts, only the primary holder who opens the account is an Eligible Recipient

Only the primary account holder who opens the new joint Checking and Savings account can be an Eligible Recipient for the referral bonuses. The secondary account holder added to the joint account is not an Eligible Recipient for this offer and will not receive referral bonuses for joining the account, but can still refer new members and earn referral bonuses for their own successful referrals.

Supporting quotations

Joint Accounts

Only the primary account holder who opens the new joint Checking and Savings account can be an Eligible Recipient for the referral bonuses.

The secondary account holder added to the joint account is not considered an Eligible Recipient for this offer and will not receive referral bonuses for joining the joint account.

The secondary account holder can still refer new members and earn referral bonuses for their own successful referrals.

Account & Service Control · Context

The SoFi Member Rewards Program is free to join and is governed by the Program Terms and the Terms of Use

Social Finance, LLC and its affiliates operate the SoFi Member Rewards program, through which consumers who choose to join and accept the Program Terms can earn and redeem points. By clicking the "Join for free" button on the Program enrollment screen you agree that your enrollment is governed by the Program Terms and SoFi's Terms of Use applicable to www.sofi.com. There is no cost to participate in the Program.

Supporting quotations

SoFi Member Rewards Program

Social Finance, LLC, and its affiliates (“SoFi”) operate the SoFi Member Rewards program (the “Program”), through which consumers who choose to join the Program (“Members”, “you”, or “your”) and accept these terms ( the “Program Terms”) can earn and redeem points as described below.

By clicking the “Join for free” button on the Program enrollment screen you agree that your enrollment in the Program will be governed by these Program Terms and SoFi’s Terms of Use

There is no cost to you to participate in the Program.

Qualifications & exceptions

• Enrollment is by clicking the "Join for free" button on the Program enrollment screen.

Account & Service Control · Restriction or exception

Member Rewards is open to current Members in good standing who enrolled, and SoFi may contact you about it

The SoFi Member Rewards Program is open to all current Members who are in good standing with any loan, account or other product they have with SoFi, and who have registered on SoFi's website and agreed to the Program Terms. Information you provide to SoFi or its affiliates in connection with the Program is subject to SoFi's Privacy Policy. SoFi may send communications about the Program to any mailing address, email address or telephone number in its records or that you have provided.

Supporting quotations

is open to all current Members, who are in good standing with any loan, account or other product they may have with SoFi, and who have registered on SoFi’s website

Any information you provide to SoFi or its affiliates in connection with this Program is subject to

We may send you communications about this program to any mailing address, email address, or telephone number in our records or that you have provided to us.

Qualifications & exceptions

• Eligibility requires good standing with any SoFi product, registration on SoFi's website, and agreement to the Program Terms.
• Communications may go to any address, email or telephone number in SoFi's records or provided by you.

Not stated here

• SoFi's Privacy Policy was not supplied with this document.

Account & Service Control · Restriction or exception

SoFi may limit or prohibit your use, earning, keeping or redeeming of points if you are in bad standing

SoFi in its sole discretion may prohibit or limit your ability to use, earn, keep or redeem points, in whole or in part and at any time, if you are a SoFi Member in "bad standing". Bad standing includes, but is not limited to: being delinquent or having defaulted on a SoFi Credit Card or loan product; having a negative balance in SoFi Money, SoFi Checking, SoFi Savings or any SoFi Active Invest Account; SoFi believing you have violated any applicable law in connection with the Program; or SoFi believing you have committed any fraudulent acts in connection with the Program.

Supporting quotations

Points Restriction

SoFi in its sole discretion may prohibit or limit your ability to use, earn, keep or redeem points, in whole or in part, and at any time, if you are a SoFi Member in “bad standing”.

a Member in “bad standing” includes but is not limited to the following: if you are delinquent or have defaulted on a SoFi Credit Card or loan product; if you have a negative balance in your SoFi Money, SoFi Checking, or SoFi Savings or any of your SoFi Active Invest Accounts; if we believe you have violated any applicable law in connection with this Program; or if we believe you have committed any fraudulent acts in connection with this Program.

Qualifications & exceptions

• The bad standing list is introduced with "includes but is not limited to".

Account & Service Control · Context

SoFi Plus is a premium membership; members who pay $10 every month qualify

SoFi Plus is a premium membership that gives members access to SoFi's best rewards, benefits and more. New and existing SoFi members who pay the SoFi Plus Subscription Fee of $10 every month qualify as SoFi Plus members. All applicable SoFi Plus terms and conditions apply, and the SoFi Plus page has more on available benefits and terms. This SoFi Plus section is marked "Last Updated: October 20, 2026".

Supporting quotations

Last Updated: October 20, 2026

SoFi Plus is a premium membership that gives members access to our best rewards, benefits, and more.

New and existing SoFi members who pay the SoFi Plus Subscription Fee of $10 every month qualify as SoFi Plus members.

Qualifications & exceptions

• Qualification is by paying the $10 monthly SoFi Plus Subscription Fee.

Not stated here

• The SoFi Plus section carries its own "Last Updated: October 20, 2026" line, later than the agreement's "Last Updated: September 17, 2026"; the text does not explain the difference.
• The SoFi Plus page that lists benefits and terms was not supplied with this document.

Account & Service Control · Restriction or exception

You may enroll in SoFi Plus only if legally authorized and of legal age

You may only enroll in SoFi Plus if you are legally authorized to accept and be bound by these terms and of a legal age to enter the Agreement.

Supporting quotations

You may only enroll in SoFi Plus if you are legally authorized to accept and be bound by these terms and are of a legal age to enter this Agreement.

Account & Service Control · Permission or license

SoFi may remove you from SoFi Plus and end all benefits if you are in bad standing or no longer eligible

SoFi in its sole discretion may remove you from the SoFi Plus Benefits Program and terminate all benefits if you are a SoFi Plus member in "bad standing" or if SoFi no longer believes you meet the eligibility criteria. Bad standing includes, but is not limited to: being delinquent or having defaulted on a SoFi loan product; a negative balance in SoFi Checking, SoFi Savings or any SoFi Invest Accounts; SoFi believing you have violated any applicable law in connection with the Program; or SoFi believing you have committed any fraudulent, deceptive or abusive acts in connection with the Program.

Supporting quotations

SoFi in its sole discretion may remove you from this SoFi Plus Benefits Program and terminate all benefits if you are a SoFi Plus member in “bad standing” or if SoFi no longer believes you meet the eligibility criteria.

a SoFi Plus member in “bad standing” includes but is not limited to the following: if you are delinquent or have defaulted on a SoFi loan product; if you have a negative balance in your SoFi Checking, or SoFi Savings or any of your SoFi Invest Accounts; if we believe you have violated any applicable law in connection with this SoFi Plus Benefits Program; or if we believe you have committed any fraudulent, deceptive, or abusive acts in connection with this SoFi Plus Benefits Program.

Qualifications & exceptions

• The bad standing list is introduced with "includes but is not limited to".
• Removal can also follow SoFi no longer believing you meet the eligibility criteria.

Account & Service Control · Company commitment

SoFi Plus members get unlimited financial planner appointments; others get one 30-minute appointment

SoFi Plus members can schedule an unlimited number of appointments with a financial planner, while SoFi members who do not meet the SoFi Plus eligibility criteria can schedule one thirty-minute appointment. Unlimited appointments are available only during periods in which the member meets the SoFi Plus eligibility criteria, and scheduling is subject to financial planner availability. SoFi reserves the right to change or terminate this benefit at any time with or without notice. Advisory services are offered by SoFi Wealth LLC, an SEC-registered investment adviser, whose advisory operations, services and fees are described in its current Form ADV Part 2 (Brochure), available on request and at the SEC adviser site.

Supporting quotations

(iii) Unlimited 1:1 financial planning:

SoFi Plus members can schedule an unlimited number of appointments with a financial planner. For complete SoFi Plus eligibility, please see sections 10(b-c) herein.

SoFi members who do not meet the SoFi Plus eligibility criteria can schedule one (1) thirty-minute appointment with a financial planner.

Members can only schedule an unlimited number of appointments with a financial planner during periods in which the member meets the SoFi Plus eligibility criteria. The ability to schedule appointments is subject to financial planner availability. SoFi reserves the right to change or terminate this benefit at any time with or without notice.

Advisory services are offered by SoFi Wealth LLC, an SEC-registered investment adviser.

Qualifications & exceptions

• Unlimited appointments apply only while the member meets the SoFi Plus eligibility criteria.
• Appointments are subject to financial planner availability.

Not stated here

• The text refers to "sections 10(b-c) herein" for complete SoFi Plus eligibility; no numbered section 10 appears in the supplied text. The lettered SoFi Plus eligibility and subscription fee paragraphs are carded in earlier sections.
• SoFi Wealth's Form ADV Part 2 was not supplied with this document.

Account & Service Control · Restriction or exception

The crypto 1% match is for active SoFi Plus members who are U.S. residents aged 18 or older

SoFi Plus members are eligible for a 1% match on crypto buys, earned as rewards points. The Promotion is open to SoFi Plus members who are legal residents of the fifty United States and the District of Columbia and are at least eighteen years of age as of the time of the promotion period. SoFi Plus status must be active through the end of the calendar month in which the eligible crypto buy was executed in order to qualify for the 1% match.

Supporting quotations

SoFi Plus members are eligible for a 1% match on crypto buys, earned as rewards points. For complete SoFi Plus eligibility, please see sections 10(b-c) herein.

This Promotion is open and available to SoFi Plus members who are legal residents of the fifty (50) United States and the District of Columbia and are at least eighteen (18) years of age or older as of time of promotion period. SoFi Plus status must be active through the end of the calendar month the eligible crypto buy was executed in to qualify for the 1% match.

Qualifications & exceptions

• Residency is limited to the 50 United States and the District of Columbia.
• SoFi Plus status must stay active through the end of the calendar month of the eligible buy.

Not stated here

• The text refers to "sections 10(b-c) herein" for complete SoFi Plus eligibility; no numbered section 10 appears in the supplied text.