I need more time, can I extend my Rate Lock? January 01, 2021 00:09 Updated We would be happy to review your request to extend your Rate Lock. Please chat with a live agent or call us at 855-456-7634. Related articles How long does a Personal Loan application process take? Can I extend my term on my SoFi loan? My loan has been approved. How long do I have to sign the paperwork? What is the difference between a soft credit pull vs a hard credit pull? How do I upload documents for my application?