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2750 East Cottonwood Parkway #300
Cottonwood Heights, Utah 84121

Annual percentage yield (APY) is variable and subject to change at any time. Rates are current as of 10/20/26. There is no minimum balance requirement. Fees may reduce earnings. Additional rates and information can be found at https://www.sofi.com/legal/banking-rate-sheet.


Eligible Direct Deposit means a recurring deposit of regular income to an account holder’s SoFi Checking or Savings account, including payroll, pension, or government benefit payments (e.g., Social Security), made by the account holder’s employer, payroll or benefits provider or government agency (“Eligible Direct Deposit”) via the Automated Clearing House (“ACH”) Network every 31 calendar days.


Although we do our best to recognize all Eligible Direct Deposits, a small number of employers, payroll providers, benefits providers, or government agencies do not designate payments as direct deposit. To ensure you're earning the APY for account holders with Eligible Direct Deposit, we encourage you to check your APY Details page the day after your Eligible Direct Deposit posts to your SoFi account. If your APY is not showing as the APY for account holders with Eligible Direct Deposit, contact us at 855-456-7634 with the details of your Eligible Direct Deposit. As long as SoFi Bank can validate those details, you will start earning the APY for account holders with Eligible Direct Deposit from the date you contact SoFi for the next 31 calendar days. You will also be eligible for the APY for account holders with Eligible Direct Deposit on future Eligible Direct Deposits, as long as SoFi Bank can validate them.


Deposits that are not from an employer, payroll, or benefits provider or government agency, including but not limited to check deposits, peer-to-peer transfers (e.g., transfers from PayPal, Venmo, Wise, etc.), merchant transactions (e.g., transactions from PayPal, Stripe, Square, etc.), and bank ACH funds transfers and wire transfers from external accounts, or are non-recurring in nature (e.g., IRS tax refunds), do not constitute Eligible Direct Deposit activity. There is no minimum Eligible Direct Deposit amount required to qualify for the stated interest rate. SoFi Bank shall, in its sole discretion, assess each account holder's Eligible Direct Deposit activity to determine the applicability of rates and may request additional documentation for verification of eligibility. See additional details at https://www.sofi.com/legal/banking-rate-sheet.


SoFi Bank, N.A. NMLS #696891, Member FDIC

SoFi Lending Corp. NMLS #1121636

234 1st Street, San Francisco, CA 94105

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How can I change my monthly due date for my Personal Loan?

4 months ago · Updated

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PLEASE NOTE: To change your due date for your of your SoFi Private Student Loan and/or Student Loan Refinance, please contact our Student Loan Servicing Team at 855-456-7634

A payment due date change can be processed once your SoFi Personal Loan has been funded and your first payment has been processed.

Please note, due date changes are available once per 12 months on fixed rate personal loans that are in good standing.

 

1. Log into your SoFi account and access your personal loan

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2. Click Loan Details

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3. In the Payment section, click Edit next to your due date

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4. Click Continue on the pop-up

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Note: Seeing a different message showing you're not able to change your due date at this time? Chat in or give us a call at 855-456-7634 for more information


5. Select desired due date from the drop-down menu

Note: You'll have the option to choose any date from the 1st to the 25th

 

6. Check the consent checkbox and click Next to finalize your due date changes

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Note: Carefully review the What to expect section, due date adjustment may cause 2 payments in the same month or small adjustments to the monthly amount due

 

7. You have changed your due date successfully! Click Done to go back to your loan information

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Have more questions? Chat with us or call 855-456-7634 to speak with an agent.



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