What is the minimum and maximum I can borrow? February 24, 2020 21:35 Updated With the SoFi Personal Loan, the minimum amount you can borrow is $5,000 in most states and the maximum is $100,000. Related articles What can I use a SoFi Personal Loan for? Is the SoFi Personal Loan secured or unsecured? Are there any origination or prepayment fees? Can I have multiple Personal Loans with SoFi? What are SoFi's Personal Loan term options?