Overview: SoFi, a digital lender, offers products ranging from personal loans to student loan refinancing, private student loans, home loans, investing and various types of insurance. It’s working on becoming an all-encompassing place to save, spend and manage your money.

Perks: SoFi offers a wide range of benefits that go beyond just funding your personal loan. They offer customers an autopay discount and unemployment protection in case you lose your job and can’t afford to repay your loan. They also offer career counseling and a referral bonus if a qualifying friend signs up. Members get personalized financial planning and aren’t charged any fees. Loans, which are fee free, range from $5,000 to $100,000 and must be repaid in two to seven years. Variable interest rates on personal loans are capped at 14.95 percent, while other lenders may charge as much as 36 percent. Fixed-rate loans range from 5.99 percent APR to 20.01 percent APR.

What to watch out for: You’ll need to have a solid credit score -- at least 680 -- to take advantage of these perks.
Lender     SoFi
Bankrate Rating     4.1 / 5.0
Min. Credit Score     680
Est. APR     6.20% - 15.24% (with autopay)
Loan Amount     $5,000 - $100,000
Term Lengths     2 to 7 years
Min. Annual Income     None
Fees     None