Best Loan Signup Bonuses (April 2026)

If you're already planning to borrow, these loan signup bonuses give you extra cash on top. From personal loans to student loan refinancing, here are the best offers.

How to Claim

Click the link below to check your rate (soft pull)
Complete the full application if you like the rate
Get funded
Bonus is credited after funding

Get notified when new bonuses drop

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SoFi Personal Loans

Get a $300 bonus when funded.
Borrow $5K–$100K with no fees.
Fixed rates, no prepayment penalties.

Apply online, takes ~5 minVerified 2026-03-10

Bonus$300

Get bonus →

SoFi Student Loan Refinancing

Refinance federal or private student loans.
Potentially lower your rate and monthly payment.
No fees to refinance.

Apply online, takes ~5 minVerified 2026-03-10

Get bonus →

SoFi Medical Student Loan Refinancing

Built for doctors and dentists.
Refinance med school and dental school loans.
Special rates for medical professionals.

Apply online, takes ~5 minVerified 2026-03-10

Get bonus →

SoFi Private Student Loans

Competitive rates for undergrad and graduate students.
No fees — no origination, late, or insufficient funds fees.
Cover up to 100% of school-certified costs.

Apply online, takes ~5 minVerified 2026-03-10

Get bonus →

← See all $7,630+ in bonuses

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Frequently Asked Questions

Will checking loan rates hurt my credit?

Most lenders do a soft credit pull for rate quotes, which doesn't affect your score. The hard pull only happens when you formally apply.

Can I refinance federal student loans?

You can, but you'll lose federal protections like income-driven repayment and potential forgiveness programs. Only refinance federal loans if you're sure you won't need those benefits.