What are SoFi's Personal Loan term options? August 05, 2020 18:03 Updated Follow SoFi's Personal Loan term options can be viewed at https://www.sofi.com/personal-loans/personal-loan-rates/. Related articles How will my Personal Loan funds be disbursed? Can I have multiple Personal Loans with SoFi? If interest rates rise and I have a variable rate loan, what is the highest rate I could pay? I received a slightly better offer from one of your competitors. Is there anything you can do? Are there any origination or prepayment fees?