How is a SoFi Personal Loan different from credit card debt? February 24, 2020 21:37 Updated Follow SoFi Personal Loans have a fixed repayment term. Credit cards often have high variable rates and no set repayment term. Related articles What is the minimum and maximum I can borrow? What can I use a SoFi Personal Loan for? What happens to my Personal Loan if I die? Does SoFi have a mobile app for Personal Loans? What is a personal loan?