Subject: Kickstart paying off that credit card debt
From: "Mint" <[email-masked]>
To: <[email-masked]>
Date: Mon, 12 Feb 2018 22:04:55 +0000 (UTC)

Introducing a new kind of personal loan

A personal loan through SoFi could help you make that first step in paying off credit card debt

You could potentially lower the interest rates you’re paying and start chipping away at your credit card debt through a SoFi personal loan. SoFi has interest rates starting at 5.49% APR to 14.24% APR (with AutoPay)¹ and you can take out loans for up to $100,000.

According to SoFi, their members reduced their credit card interest rate by 42% on average when consolidating their debt². Here are some other reasons why you may want to apply for a SoFi personal loan:

No origination fees or prepayment penalties

Checking your rate will not affect your credit score³

Check your rate in two minutes or less

1 Fixed rates from 5.49% APR to 14.24% APR (with AutoPay). Variable rates from 5.21% APR to 11.67% APR (with AutoPay). SoFi rate ranges are current as of June 1, 2017 and are subject to change without notice. Not all rates and amounts available in all states. See Personal Loan eligibility details. Not all applicants qualify for the lowest rate. If approved for a loan, to qualify for the lowest rate, you must have a responsible financial history and meet other conditions. Your actual rate will be within the range of rates listed above and will depend on a variety of factors, including evaluation of your credit worthiness, years of professional experience, income and other factors. See APR examples and terms. Interest rates on variable rate loans are capped at 14.95%. Lowest variable rate of 5.21% APR assumes current 1-month LIBOR rate of 1.57% plus 3.89% margin minus 0.25% AutoPay discount. For the SoFi variable rate loan, the 1-month LIBOR index will adjust monthly and the loan payment will be re-amortized and may change monthly. APRs for variable rate loans may increase after origination if the LIBOR index increases. The SoFi 0.25% AutoPay interest rate reduction requires you to agree to make monthly principal and interest payments by an automatic monthly deduction from a savings or checking account. The benefit will discontinue and be lost for periods in which you do not pay by automatic deduction from a savings or checking account.

2 SoFi Personal Loan borrowers reduced their interest rate by 42% on average, based on a survey of 1020 SoFi borrowers who took out a Personal Loan to pay off credit cards between January and February 2017

3 To check the rates and terms you qualify for, SoFi conducts a soft credit pull that will not affect your credit score. However, if you choose a product and continue your application, we will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit pull and may affect your credit score.

SoFi Lending Corp. is licensed by the Department of Business Oversight under the California Financing Law, license number 6054612. NMLS #1121636. Terms and conditions apply; see SoFi.com/eligibility for more information. 375 Healdsburg Ave., Suite 280, Healdsburg, CA 95448

Advertiser Disclosure: As you know, Mint is a free product you can use to help stay on top of your finances. So, how do we make money? We get paid by the advertisers on our site. This compensation may affect how and where products appear on the site (and in what order). Mint.com does not include all products or all available offers.

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©2007-2018 Intuit Inc. | All Rights Reserved.
Mint 2632 Marine Way, Mountain View, CA 94043

Privacy Policy | Terms and Conditions

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A personal loan through SoFi could help you make that first step in paying off credit card debt

You could potentially lower the interest rates you’re paying and start chipping away at your credit card debt through a SoFi personal loan. SoFi has interest rates starting at 5.49% APR to 14.24% APR (with AutoPay)¹ and you can take out loans for up to $100,000.

According to SoFi, their members reduced their credit card interest rate by 42% on average when consolidating their debt². Here are some other reasons why you may want to apply for a SoFi personal loan:

No origination fees or prepayment penalties

Checking your rate will not affect your credit score³

Check your rate in two minutes or less

1 Fixed rates from 5.49% APR to 14.24% APR (with AutoPay). Variable rates from 5.21% APR to 11.67% APR (with AutoPay). SoFi rate ranges are current as of June 1, 2017 and are subject to change without notice. Not all rates and amounts available in all states. See Personal Loan eligibility details. Not all applicants qualify for the lowest rate. If approved for a loan, to qualify for the lowest rate, you must have a responsible financial history and meet other conditions. Your actual rate will be within the range of rates listed above and will depend on a variety of factors, including evaluation of your credit worthiness, years of professional experience, income and other factors. See APR examples and terms. Interest rates on variable rate loans are capped at 14.95%. Lowest variable rate of 5.21% APR assumes current 1-month LIBOR rate of 1.57% plus 3.89% margin minus 0.25% AutoPay discount. For the SoFi variable rate loan, the 1-month LIBOR index will adjust monthly and the loan payment will be re-amortized and may change monthly. APRs for variable rate loans may increase after origination if the LIBOR index increases. The SoFi 0.25% AutoPay interest rate reduction requires you to agree to make monthly principal and interest payments by an automatic monthly deduction from a savings or checking account. The benefit will discontinue and be lost for periods in which you do not pay by automatic deduction from a savings or checking account.

2 SoFi Personal Loan borrowers reduced their interest rate by 42% on average, based on a survey of 1020 SoFi borrowers who took out a Personal Loan to pay off credit cards between January and February 2017

3 To check the rates and terms you qualify for, SoFi conducts a soft credit pull that will not affect your credit score. However, if you choose a product and continue your application, we will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit pull and may affect your credit score.

SoFi Lending Corp. is licensed by the Department of Business Oversight under the California Financing Law, license number 6054612. NMLS #1121636. Terms and conditions apply; see SoFi.com/eligibility for more information. 375 Healdsburg Ave., Suite 280, Healdsburg, CA 95448

Advertiser Disclosure: As you know, Mint is a free product you can use to help stay on top of your finances. So, how do we make money? We get paid by the advertisers on our site. This compensation may affect how and where products appear on the site (and in what order). Mint.com does not include all products or all available offers.

This message was sent to [email-masked]

If you would like to update your email address, please click here.

If you no longer wish to receive e-mails from Mint, click here.

©2007-2018 Intuit Inc. | All Rights Reserved.
Mint 2632 Marine Way, Mountain View, CA 94043

Privacy Policy | Terms and Conditions

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