Does SoFi have a variable rate product? February 24, 2020 22:59 Updated Yes, we have a variable rate product. Please visit our Rates page for more information about our interest rate options. Related articles Does SoFi offer a grace period? Is it possible to refinance both federal and private student loans? If interest rates rise and I have a variable rate loan, what is the highest rate I could pay? What is the minimum and maximum amount I can borrow with SoFi? Can my spouse and I refinance and consolidate all of our loans into one?