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: kin@apievangelist.com specificationVersion: '0.19'