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Representative Example: If you borrow £1200 over a 12-month period, your monthly repayment will amount to £116.52. The total repayment sum, inclusive of £392.63 in interest, will reach £1392.63. This example assumes a variable interest rate of 79.5%.May 1, 2024 · Fixed rates from 8.99% APR to 29.99% 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 02/06/2024 and are subject to change without notice. The average of SoFi Personal Loans funded in 2022 was around $30K.