If I want to pay off my loan early or pay more than the minimum payment, does SoFi Home Loans charge a fee? November 24, 2020 23:11 Updated SoFi's current Home Loan products do not include prepayment penalty fees. Related articles How do I payoff my Personal Loan? My first home loan payment is due, but I don’t know where to make my payment? If I want to payoff my SoFi loan early, can I do so? Are there any prepayment penalties for paying off my loan early and/or making additional payments? 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?