Check payment timing depends on the type of loan you have.
Personal Loans
- For Personal Loans, regular mailed check payments typically take 7–10 business days to process after SoFi receives the check
- If you sent your payment by overnight mail, it may post faster
- The effective date of the payment is the date the payment is received, even if it takes additional time to appear on your account
- Please keep in mind that weekends and holidays may affect processing time
Private Student Loans and Student Loan Refinance
- For Private Student Loans and Student Loan Refinance, check payments sent by mail generally post within 2–3 business days after receipt
- The effective date of the payment is the date the payment is received, even if it takes additional time to appear on your account
- To help avoid delays, SoFi recommends mailing your payment at least 5–7 business days before your due date
Have more questions? Chat with us or call 855-456-7634 to speak with an agent.