My loan has been approved. How long do I have to sign the paperwork? January 07, 2021 00:37 Updated Your loan signing offer or document is valid for 35 days once it is placed into signing. Related articles Are there any prepayment penalties for paying off my loan early and/or making additional payments? Where can I find my signed loan documents? I need more time, can I extend my Rate Lock? Is the SoFi rate simple or compounded? Can I extend my term on my SoFi loan?