Can I extend my term on my SoFi loan? January 21, 2021 21:22 Updated 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? If I want to payoff my SoFi loan early, can I do so? What is the difference between a soft credit pull vs a hard credit pull? Is it possible to remove the incomplete loan applications on my account? My loan has been approved. How long do I have to sign the paperwork?