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 Where can I find my signed loan documents? Are there any prepayment penalties for paying off my loan early and/or making additional payments? Can I extend my term on my SoFi loan? I need more time, can I extend my Rate Lock? Is the SoFi rate simple or compounded?