If I want to pay off my loan early or pay more than the minimum payment, does SoFi Home Loans charge a fee? December 15, 2021 18:30 Updated Follow At SoFi we have no prepayment penalties! For our Home Loan products, closing costs and originations fees will apply. Related articles If I want to payoff my SoFi loan early, can I do so? If I pay my loan off early, will I still be paying the full interest of the loan? / Will the automatic payments stop on their own? / Does loan payoff automatically stop autopay? / Is there anything I need to do after the loan is paid off? Are there any prepayment penalties for paying off my loan early and/or making additional payments? What happens if my Personal Loan payment made is more than what I owe? How are payments allocated? How do I set up a joint Invest account? / How do I add a joint holder to my Invest account?