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-images.s3.amazonaws.com/shared/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: kin@apievangelist.com
specificationVersion: '0.19'