Easy $10 When You Check Rate, Plus $300 for Taking a SoFi Loan

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sofi loan bonus

Easy $10 When You Check Rate, Plus $300 for Taking a SoFi Loan

SoFi is again offering an easy bonus just for checking loan rates. You can get $10 when you check the rate for a SoFi Loan and, if you decide to take out a loan, you can get an extra $300 bonus. The same bonuses are earned by the referrer, which makes it it even better. Let’s get into the details.

Update 5/17/21: This offer is back again.

The Offer

Get up to $310 deposited into a SoFi Money account when you check a loan rate and then get a loan. The bonus comes in two parts:

  • $10 bonus when you check your rate.
  • Additional $300 bonus if you actually get the loan.

Personal Loan |Student Loan Refinancing

Key Terms

  • Not available to residents of Vermont. No funding bonus paid to borrowers who reside in Ohio.
  • Only one referral reward and one welcome bonus per new customer.
  • You will not receive multiple referral bonuses for the same friend taking out multiple loans or products, nor will your friend receive multiple welcome bonuses for taking out multiple loans or products.
  • SoFi mortgages are never eligible for the SoFi Referral Program.
  • To qualify, a borrower must be a U.S. citizen or other eligible status and and meet SoFi’s underwriting requirements.


SoFi conducts a soft credit pull when it checks rates and terms of a loan for you. This will not affect your credit score. So the $10 bonus should be quick and easy.

However, if you choose a loan product and continue your application, SoFi will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit pull. This a good deal if you need a loan.

It’s even better if you refer a friend or family member to get a loan, since it turns into a $620 bonus. And, if you repay the loan early and avoid any interest, then it could even make sense to go for it ven if you don’t really need it.

Based in NYC. Points/miles enthusiast for years and actively writing about it for the last 6+ years at Danny the Deal Guru. I'm always looking out for deals. Making a few bucks is always nice, but the traveling is by far the best part of this business.

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Responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.


  1. I tried this and even though I have a credit score over 800 I was turned down. I didn’t get $10 (perhaps being deemed “ineligible” gives them an out) but now they have my email address they’re spamming me. I clicked the “unsubscribe” link at the bottom of their most recent email and got:
    “An error has occurred, ({Attribute has not been unsubscribed. Please try again later.”
    Seems to just be a way to harvest emails with a promise of $10 which they don’t have to honor after your get refused.

      • I’ve had very few loans in the past, and never a SoFi or student loan. My only current loan is my recently refinanced mortgage.
        My request to unsubscribe from their emails eventually went through, but for me at least this was a waste of my time. It seemed weird that they’d deem me ineligible for a loan, then send daily emails trying to get me to apply for one!

        • Strange that they wouldn’t give the $10 for checking. I checked it and was paid within minutes so I am surprised to hear that. Sorry it didn’t work out 🙁

  2. Link doesn’t mention the $10 reward. If you do it separate from enclosed link you see a mention of the 10 reward?


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