Can I extend my term on my SoFi loan? January 21, 2021 21:22 Updated Follow It may be possible with a refinance application. If you wish to start an application, click here for Personal Loan Refinance or Student Loan Refinance. Related articles I need more time, can I extend my Rate Lock? Can I refinance my current SoFi Personal Loan? If I want to payoff my SoFi loan early, can I do so? 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?