Self-Directed Trading
Become an investor—
with no commissions.†
Make your first trade or your next trade with active investing. Learn the market as you do-it-yourself. Plus, get up to $1,000 in stock when you fund a new account.*
*Customer must fund their Active Invest account with at least $10 within 30 days of opening the account.
Probability of customer receiving $1,000 is 0.028%. See full terms and conditions.
The hands-on way to put your money to work.
Active Investing with SoFi lets you quickly get started investing in stocks and ETFs.
Pay zero commission.
Buy and sell stocks with no commissions*. Plus, there are no account minimums.
Learn by doing.
Anyone can be a smarter investor with news updates and more—all in the SoFi app.
Join a community.
Connect with other SoFi members at exclusive events and experiences.
*Other fees, such as exchange fees, may apply. Please view our fee disclosure to view a full listing of fees.
Be an investor—
the commission-free way.
Our thought is that you shouldn’t have to pay to invest and trade your own money. That’s why you’ll pay $0 in SoFi commission on every trade, every time.
Own a slice.
With fractional shares you can buy a piece of your favorite company without having to buy a whole share, meaning you can get started with as little as $5. Restrictions apply*.
Knowledge is trading power.
Stay up—to—date with real—time investing news, curated content, and other relevant data
by creating a personal watchlist and following the stocks that matter most to you.
New Feature!
Finally! An easier options trading experience.
Options are now available on SoFi.^ Trade from app or desktop on a user-friendly platform that comes with an in-app trade guide and a range of educational resources.
*Check out the OCC Options Disclosure Document.
Increase your buying power with margin investing.
Margin accounts allow investors to use their current cash or securities as collateral for a loan. Borrow money from SoFi against your current investments at 11% to buy stocks and ETFs.* Learn more →
Invest in what you love.
Trade stocks of brands you know and believe in and discover new opportunities based on your interests along the way.
Do it yourself—
but not alone.
Once you start investing with SoFi, you’re in. As a member you’ll get access to rate discounts on other SoFi products and invites to exclusive experiences so you can connect with others who are also on a mission to get their money right.
Please review the Customer Relationship Summary (Form CRS) which contains important information about the product, services, fees, and conflicts of interests of SoFi Securities LLC.
You may also learn more about SoFi Securities LLC and its Representatives on FINRA’s BrokerCheck.
Personal Loan Terms
Fixed rates from 8.99% APR to 35.49% APR reflect the 0.25% autopay interest rate discount and a 0.25% direct deposit interest rate discount. SoFi rate ranges are current as of 5/29/25 and are subject to change without notice. The average of SoFi Personal Loans funded in 2022 was around $30K. Not all applicants qualify for the lowest rate. Lowest rates reserved for the most creditworthy borrowers. Your actual rate will be within the range of rates listed and will depend on the term you select, evaluation of your creditworthiness, income, and a variety of other factors.
Loan amounts range from $5,000– $100,000. The APR is the cost of credit as a yearly rate and reflects both your interest rate and an origination fee of 0%-6%, which will be deducted from any loan proceeds you receive.PERSONAL LOAN INTEREST RATES AND FEES | ELIGIBILITY AND IMPORTANT DETAILS. Annual percentage rates (APRs) shown include the 0.25% autopay discount. If approved for a loan, the rates and terms offered will depend on things like creditworthiness, the length of the loan, and other factors, and will fall within the range of rates available by applicable loan term; check out our full APR examples and terms. Remember, not all applicants will qualify for the lowest rate. Want to learn more? See our eligibility criteria at SoFi.com/eligibility-criteria. SoFi reserves the right to change interest rates at any time without notice, changes would only apply to applications begun after the effective date of the change. Fixed Rates: Fixed rates range from 8.99% APR to 35.49% APR (with autopay). The SoFi 0.25% autopay interest rate reduction requires you to agree to make your scheduled monthly payments by an automatic monthly deduction (ACH) from a savings or checking account. Enrolling in autopay is not required to receive a loan from SoFi. Loan Terms: SoFi Personal Loans offer loans with a period of repayment between 2 and 7-year terms. Loan Fees: SoFi personal loans have no fees required; specifically, no origination fees required, no late fees, no prepayment penalties.
PERSONAL LOAN | REPAYMENT EXAMPLE. The following example depicts the APR, monthly payment and total payments during the life of a $30,000 personal loan with a 2-year repayment term, a 0.25% autopay discount, and a fixed rate between 8.99% APR to 35.49% APR. It works out to 24 monthly payments ranging from $1,356.68–$1,529.07 for a total amount of payments ranging from $32,560.37–$36,697.76. This repayment example assumes that the borrower is signed up for autopay and that all payments are made on time, with no pre-payments. Actual rates may vary based on repayment term, loan amount, creditworthiness, and other terms and conditions. SoFi does not offer variable rate personal loans. State restrictions may apply.
Rule 606 Order Routing | Statement of Financial Condition | Fee Disclosure
This is not an offer, or solicitation of any offer to buy or sell any security, investment or other product.
Investing in securities involves risks, and there is always the potential of losing money when you invest in securities. Past performance, historical returns, future projections, and statistical forecasts are no guarantee of future returns or future performance. The firm reserves the right to monitor and retain all incoming and outgoing communications as permitted by applicable law.
*Fractional shares may not be available for ACAT, voting rights may not be available for fractional shares.
^Options involve risks, including substantial risk of loss and the possibility an investor may lose the entire amount invested in a short period of time. Before an investor begins trading options they should familiarize themselves with the Characteristics and Risks of Standardized Options. Tax considerations with options transactions are unique, investors should consult with their tax advisor to understand the impact to their taxes.
SoFi Invest refers to the three investment and trading platforms operated by Social Finance, Inc. and its affiliates (described below). Individual customer accounts may be subject to the terms applicable to one or more of the platforms below.
1)Automated Investing and advisory services are provided by SoFi Wealth LLC, an SEC-Registered Investment Adviser (“Sofi Wealth“). Brokerage services are provided to SoFi Wealth LLC by SoFi Securities LLC.
2) Active Investing and brokerage services are provided by SoFi Securities LLC, Member FINRA/SIPC, (“Sofi Securities). Clearing and custody of all securities are provided by APEX Clearing Corporation.
3) Cryptocurrency is offered by SoFi Digital Assets, LLC, a FinCEN registered Money Service Business.
For additional disclosures related to the SoFi Invest platforms described above, including state licensure of Sofi Digital Assets, LLC, please visit legal.
Neither the Investment Advisor Representatives of SoFi Wealth, nor the Registered Representatives of SoFi Securities are compensated for the sale of any product or service sold through any SoFi Invest platform. Information related to lending products contained herein should not be construed as an offer or pre-qualification for any loan product offered by SoFi Lending Corp and/or its affiliates.
During market hours, fractional orders will be routed to the market immediately. Outside of market hours orders will be aggregated and executed in the morning trade window of the next business day when the market opens. Orders are sent in the order received. There may be system delays from receipt of your order until execution. Market conditions may adversely impact execution prices.
Utilizing a margin loan is generally considered more appropriate for experienced investors as there are additional costs and risks associated. It is possible to lose more than your initial investment when using margin. Please see https://www.sofi.com/wealth/assets/documents/brokerage-margin-disclosure-statement.pdf for detailed disclosure information
If you invest in Exchange Traded Funds (ETFs) through SoFi Invest (either by buying them yourself or via investing in SoFi Invest’s automated investments, formerly SoFi Wealth), these funds will have their own management fees. These fees are not paid directly by you, but rather by the fund itself. these fees do reduce the fund’s returns.. Check out each fund’s prospectus for details. SoFi Invest does not receive sales commissions, 12b-1 fees, or other fees from ETFs for investing such funds on behalf of advisory clients, though if SoFi Invest creates its own funds, it could earn management fees there.
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