SoFi

aid: sofi
url: https://raw.githubusercontent.com/api-evangelist/sofi/refs/heads/main/apis.yml
apis:

  - aid: sofi:sofi-money-banking-api
    name: SoFi Money Banking API
    tags:
      - Banking
      - Checking
      - Savings
      - Open Banking
      - Personal Finance
    humanURL: https://www.sofi.com/banking/
    properties:
      - url: https://www.sofi.com/banking/
        type: Documentation
      - url: https://www.sofi.com/terms-of-use
        type: TermsOfService
      - url: https://www.sofi.com/privacy-policy
        type: PrivacyPolicy
    description: >-
      SoFi Money is a combined checking and savings account offering high-yield savings with SoFi Plus
      membership (4.50% APY on up to $20,000), no-fee banking, early paycheck access, and integrations
      with open banking aggregators Plaid and Finicity for third-party account connectivity, balance
      checks, transaction history, and account ownership verification.

  - aid: sofi:sofi-personal-loans-api
    name: SoFi Personal Loans API
    tags:
      - Personal Loans
      - Lending
      - Consumer Finance
      - Personal Finance
    humanURL: https://www.sofi.com/personal-loans/
    properties:
      - url: https://www.sofi.com/personal-loans/
        type: Documentation
      - url: https://www.sofi.com/personal-loans/personal-loan-rates/
        type: Documentation
      - url: https://www.sofi.com/personal-loan-calculator/
        type: Documentation
    description: >-
      SoFi Personal Loans platform providing fixed-rate personal loans starting at 6.99% APR for
      qualified borrowers. Loans from $5,000 with origination fees of 0-7% deducted from loan proceeds.
      SoFi Plus members receive an additional 0.25% rate reduction. Consumer-facing loan application
      and account management accessible via the SoFi app and web platform.

  - aid: sofi:sofi-student-loan-refinancing-api
    name: SoFi Student Loan Refinancing API
    tags:
      - Student Loans
      - Refinancing
      - Education Finance
      - Personal Finance
    humanURL: https://www.sofi.com/refinance-student-loan/
    properties:
      - url: https://www.sofi.com/refinance-student-loan/
        type: Documentation
      - url: https://www.sofi.com/private-student-loans/
        type: Documentation
    description: >-
      SoFi Student Loan Refinancing and Private Student Loan origination platform. Refinancing fixed
      rates start at 3.99% APR with autopay (0.25% autopay discount). Private student loans feature
      no origination fees, no late fees, and no insufficient funds fees. SoFi Plus members receive
      an additional 0.125% rate reduction on refinancing and private student loans.

  - aid: sofi:sofi-mortgage-api
    name: SoFi Mortgage API
    tags:
      - Mortgage
      - Home Loans
      - Real Estate
      - Lending
      - Personal Finance
    humanURL: https://www.sofi.com/mortgage/
    properties:
      - url: https://www.sofi.com/mortgage/
        type: Documentation
      - url: https://www.sofi.com/heloc/
        type: Documentation
    description: >-
      SoFi Mortgage platform for home purchase loans and refinancing, plus Home Equity Lines of Credit
      (HELOC) and home equity loans. SoFi Plus members receive a $500 additional mortgage origination
      fee discount and a $200 home equity loan discount at closing. Consumer-facing applications
      managed through the SoFi app and web platform.

  - aid: sofi:sofi-invest-api
    name: SoFi Invest API
    tags:
      - Investing
      - Stocks
      - ETFs
      - Crypto
      - Retirement
      - Personal Finance
    humanURL: https://www.sofi.com/invest/
    properties:
      - url: https://www.sofi.com/invest/
        type: Documentation
      - url: https://www.sofi.com/wealth/assets/documents/sofi-invest-fee-schedule.pdf
        type: Documentation
      - url: https://www.sofi.com/invest/ira/
        type: Documentation
    description: >-
      SoFi Invest provides active and automated investing in stocks, ETFs, fractional shares, IPOs,
      and cryptocurrency. SoFi Plus members receive a 1% match on eligible Active Invest deposits,
      1% match on eligible crypto purchases (up to $250,000 lifetime), and IPO allocation priority.
      Includes automated retirement accounts (IRA) and robo-advisor functionality.

  - aid: sofi:sofi-credit-card-api
    name: SoFi Credit Card API
    tags:
      - Credit Card
      - Payments
      - Rewards
      - Personal Finance
    humanURL: https://www.sofi.com/credit-card/
    properties:
      - url: https://www.sofi.com/credit-card/
        type: Documentation
    description: >-
      SoFi Credit Card platform with cash back rewards and the new SoFi Smart Card offering 5% cash
      back at grocery stores. SoFi Plus members receive a 10% boost on cash back rewards and 5% cash
      back on SoFi Travel bookings via the Expedia-powered travel portal. Consumer-facing account
      management and rewards redemption through the SoFi app.

name: SoFi
tags:
  - Personal Finance
  - Banking
  - Lending
  - Student Loans
  - Mortgages
  - Investing
  - Credit Cards
  - Fintech
  - Open Banking
  - Digital Banking
kind: Index
image: https://kinlane-productions.s3.amazonaws.com/apis-json/apis-json-logo.jpg
access: 3rd-Party
common:
  - type: Website
    url: https://www.sofi.com/
  - type: Documentation
    url: https://www.sofi.com/blog/
  - type: GitHubOrganization
    url: https://github.com/SoFiInc
  - type: LinkedIn
    url: https://www.linkedin.com/company/sofi
  - type: Blog
    url: https://www.sofi.com/blog/
  - type: Pricing
    url: https://www.sofi.com/sofi-plus/
  - type: StatusPage
    url: https://sofi.statuspage.io
  - type: X
    url: https://twitter.com/SoFi
  - type: Plans
    url: plans/sofi-plans-pricing.yml
  - type: RateLimits
    url: rate-limits/sofi-rate-limits.yml
  - type: FinOps
    url: finops/sofi-finops.yml
  - type: TermsOfService
    url: https://www.sofi.com/terms-of-use
  - type: PrivacyPolicy
    url: https://www.sofi.com/privacy-policy
  - type: Support
    url: https://support.sofi.com/hc/en-us
  - type: Features
    data:
      - Digital personal finance platform covering banking, lending, investing, and insurance
      - SoFi Money combined checking and savings with high-yield APY (4.50% for Plus members)
      - Personal loans from $5,000 at fixed rates starting at 6.99% APR
      - Student loan refinancing with fixed rates from 3.99% APR with autopay
      - Private student loans with no origination, late, or NSF fees
      - Mortgage, home equity loan, and HELOC products
      - SoFi Invest for stocks, ETFs, fractional shares, crypto, IPOs, and automated investing
      - SoFi Credit Card with cash back rewards and Smart Card with 5% grocery cash back
      - SoFi Plus premium membership at $10/month with enhanced rates and rewards
      - Open banking connectivity via Plaid and Finicity (Mastercard) aggregators
      - SoFi Relay credit score monitoring and financial tracking dashboard
      - Galileo Financial Technologies subsidiary powering white-label fintech infrastructure APIs
      - 100% uptime across Bot, Site, Payment, and Backend services (90-day tracked)
      - SoFi Coach AI-powered financial planning tool
      - Unlimited financial planner appointments for SoFi Plus members
    sources:
      - https://www.sofi.com/
      - https://www.sofi.com/sofi-plus/
      - https://www.openbankingtracker.com/provider/sofi
      - https://sofi.statuspage.io
    updated: '2026-06-13'
created: '2026-06-13'
modified: '2026-06-13'
position: Consuming
description: >-
  SoFi (Social Finance) is a digital personal finance company and federally chartered bank offering
  an integrated suite of financial products including banking (checking and savings), personal loans,
  student loan refinancing, private student loans, mortgages, home equity products, active and
  automated investing, cryptocurrency trading, and credit cards. The platform is unified through the
  SoFi app and complemented by a SoFi Plus premium membership ($10/month) that unlocks enhanced APY,
  investment matching, loan rate discounts, and unlimited financial planner access. Third-party
  integration with SoFi accounts is facilitated through open banking aggregators Plaid and Finicity
  (Mastercard Open Banking) for consumer-permissioned data access. SoFi's subsidiary Galileo Financial
  Technologies provides the underlying fintech infrastructure and white-label banking APIs used by
  major fintech brands globally.
maintainers:
  - FN: Kin Lane
    email: [email protected]
specificationVersion: '0.19'