The following describes the terms of service which apply to participation in the referral or account opening promotional programs (collectively, the “Referral Programs") currently offered by Social Finance, LLC (“SoFi”) and its affiliates. If you wish to participate in any Referral Program described below, you agree to the terms for such Referral Program described in Part I below, as well as the General Terms and Conditions in Part II, which apply to all Referral Programs.
1Please note that any friend whom you'd like to refer must use your specific product referral link in accordance with the terms and conditions associated with the specific promotional campaign for that link. By clicking “Share Link” and sharing your link with your friend, you agree that you have express consent to send your friend promotional messages about SoFi's products and services. Note you have separate referral links for (1) Personal Loans and Student Loans, (2) Checking and Savings accounts, or (3) Invest products, (4) Credit Score Monitoring, or (5) SoFi Plus. Only one referral reward and one welcome bonus per new customer, with the exception of referrals for new closed end unsecured installment loans. You will not receive multiple referral bonuses for the same friend taking advantage of multiple promotions, nor will your friend receive multiple welcome bonuses for taking advantage of multiple promotions unless they are for a new closed end unsecured installment loan that your friend has not previously obtained. You will receive an additional referral bonus for the same friend funding a new personal loan, new student loan refinance or new private student loan, provided the friend applies through the specific product's referral link and has not previously obtained that type of closed end unsecured lending product. Employees of Social Finance, LLC and its affiliates are not eligible to receive referral bonuses under the Referral Programs.
Each person referred should be someone you have a direct, personal relationship with. You may not distribute a Referral Link or otherwise solicit anyone through mass email, any form of commercial advertising or other similar means.
SoFi reserves the right to review, investigate, and disqualify anyone from participation in the SoFi Referral Program at any time, and reserves the right to not honor any referral which in our sole discretion was solicited in a manner inconsistent with the spirit or terms and conditions of the SoFi Referral Program.
Furthermore, SoFi Securities reserves the right to seek reimbursement from any customer (including by deduction from their Invest Account) of amounts paid as Referral Bonuses to customers solicited via mass solicitation. Please note that in certain circumstances the deduction of such amounts from their account may result in a negative balance.
Any person referred to a SoFi loan may not have an existing registered SoFi account. Any person referred to Credit Score Monitoring or SoFi Checking or Savings may not currently have another SoFi product but may already have a registered SoFi account. Any person referred to SoFi Plus may not already be a SoFi Plus member. A person referred to a SoFi Invest account may have an existing SoFi account. A person referred to a SoFi Invest account or SoFi Digital Assets account (for crypto) may have an existing SoFi registered account.
If account funding is required to meet referral bonus payout eligibility, P2P transfers or proceeds of a reward, promotion or similar program are not eligible methods of funding.
To protect the privacy of those you refer, referral prospect account information or eligibility is not, under any circumstances, permitted to be shared with referral promoters.
Program terms: Part I
The terms below and those set forth in Part II govern your participation in SoFi Bank, N.A.'s ("SoFi Bank") Loan Referral Program (the "Loan Referral Program") described below. The Loan Referral Program is open to any consumer who registers on SoFi’s website and who resides outside of the state of Vermont (the "Eligible Loan Referrer(s)"). Employees of Social Finance, LLC and its affiliates are not eligible to receive Loan Referral Bonuses under the Loan Referral Program.
Eligible Loan Referrers are limited to refer friends, colleagues, family members, and other people they (collectively, the "Eligible Loan Recipient(s)") believe may be interested in applying for a student loan or personal loan product as described in a specific promotional campaign (collectively, the "Eligible Loan(s)"). SoFi Bank reserves the right to disqualify anyone from participating in the Loan Referral Program at any time. The Eligible Loan Referrers will NOT receive a Loan Referral Bonus for referrals for any other SoFi Bank loan products. Anyone who violates these terms and conditions is ineligible for payment of any bonus.
To receive credit for a referral under the Loan Referral Program, Eligible Loan Referrers must send their unique referral link to an Eligible Loan Recipient, the Eligible Loan Recipient must use their Eligible Loan Referrer’s unique referral link within 120 days after receipt of the Eligible Loan Referrer’s unique referral link, and the Eligible Loan Recipient must meet the terms and conditions of the specific promotional campaign associated with the unique referral link that was used for the referral. Further, in order for the Eligible Loan Recipient to receive their Loan Welcome bonus for a SoFi Personal Loan, the loan must still be an active loan in good standing ninety (90) days after the disbursement date. For Private Student Loan referrals, the Eligible Loan Recipient and Eligible Loan Referrer will receive their bonus sixty (60) days after their first loan disbursement, and the Eligible Loan Referrer is eligible for a maximum of 5 total referral bonuses for the Private Student Loan product. Further, for referrals for the Private Student Loan product no payments will be made if the Eligible Loan Referrer is employed by a qualified educational institution. If the Eligible Loan Recipient uses the Eligible Loan Referrer’s unique referral link and meets the terms and conditions of the specific promotional campaign associated with that unique referral link, SoFi Bank or its designee shall pay to (a) the Eligible Loan Referrer, a referral bonus into a SoFi Bank Checking or Savings account in the amount specified in the promotional campaign associated with the unique referral link that was used for the referral (the "Loan Referral Bonus"); and (b) the Eligible Loan Recipient, a welcome bonus into a SoFi Bank Checking or Savings account in the amount specified in the promotional campaign associated with the unique referral link that was used for the referral (the "Loan Welcome Bonus"). Only one Loan Referral Bonus and one Loan Welcome Bonus will be awarded for each referred Eligible Loan Recipient, regardless of whether the Eligible Loan Recipient takes out multiple Eligible Loans. Further, and notwithstanding the above, the following additional restrictions shall apply (1) no Loan Referral Bonus will be paid to otherwise Eligible Loan Referrers who are residents of Vermont, and (2) no Loan Referral Bonus will be paid for otherwise funded loans made to Vermont residents. An Eligible Loan Referrer will not earn a Loan Referral Bonus if the Eligible Loan Recipient has or had an existing funded SoFi loan account, or if the Eligible Loan Recipient does not use the unique referral link provided by the Eligible Loan Referrer.
If the Eligible Loan Recipient already has a SoFi loan account, is on our opt-out list or the national email opt-out list, or has already used another Eligible Loan Referrer’s unique referral link, the Eligible Loan Recipient may not be sent an email. We cannot disclose to you any information about funded loans opened by any Eligible Loan Recipients you refer to us. Participation in the Loan Referral Program serves as a one-time limited waiver of privacy rights by both parties, whereby each may become aware of the presence of an account relationship with SoFi Bank.
$1,000 Medical and Dental Referral Offer: All referral program terms and conditions apply. Offer is subject to lender approval and not available to residents of Vermont. The offer is only open to new medical or dental Student Loan Refinance borrowers and may not be combined with other offers aside from the autopay discount. For both the referrer and referee to each receive a $1,000 bonus, the referee must: (1) register and apply for a medical or dental student loan refinance through the referral link provided; (2) meet SoFi’s underwriting criteria; (3) complete and fund a loan with SoFi; and (4) have or apply for a SoFi Checking and Savings or have a SoFi Money account to receive the bonus. Once conditions are met and the loan has been disbursed, both the referrer and referee welcome bonus will be deposited into their respective SoFi Checking and Savings or Money account within 30 calendar days. Bonuses that are not redeemed within 180 calendar days of the date they were made available to the recipient may be subject to forfeit. Bonus amounts of $600 or greater in a single calendar year will be reported to the Internal Revenue Service (IRS) as miscellaneous income to the recipient on Form 1099-MISC in the year received as required by applicable law. Recipient is responsible for any applicable federal, state or local taxes associated with receiving the bonus offer; consult your tax advisor to determine applicable tax consequences. SoFi reserves the right to change or terminate the offer at any time with or without notice.
The terms below and those set forth in Part II govern your participation in the SoFi Invest Referral Program (the “Invest Referral Program”). The Invest Referral Program is open to all current SoFi Active Invest account holders who meet the criteria below, and wish to refer someone to open a SoFi Invest account offered by SoFi Securities LLC. A referrer must have a SoFi Invest account offered by SoFi Securities LLC (either an Automated Invest account or an Active Invest account) which is funded and in good standing (i.e., not suspended) (an “Eligible Invest Referrer(s)”). Employees of Social Finance, LLC and its affiliates are not eligible to receive Invest Referral Bonuses under the Invest Referral Program.
The Eligible Invest Referrers are encouraged to refer friends, colleagues, family members, and anyone else they believe may be interested in opening a SoFi Active Invest account (the “Eligible Invest Recipient(s)”). The Eligible Invest Referrers will NOT receive an Invest Referral Bonus for referrals for a SoFi Automated Invest account. SoFi Securities LLC, or its designee (collectively, “SoFi Securities”) reserve the right to disqualify anyone from participation in the Invest Referral Program at any time.
To receive credit for a referral made under the Invest Referral Program, an Eligible Invest Referrer must access their own unique referral link and send it to the Eligible Invest Recipient(s) whom they wish to refer to open a new SoFi Active Invest Account (an “New Active Invest Account”). The Eligible Invest Recipient must use the Eligible Invest Referrer’s unique referral link to open a New Active Invest Account within 120 days after receipt of the Eligible Invest Referrer’s unique referral link, and meet the terms and conditions of the specific promotional campaign associated with the unique referral link that was used for the referral.
For each Eligible Invest Recipient who opens and funds a New Active Invest Account within 120 days after receipt of the Eligible Invest Referrer’s unique referral link, and meets the terms and conditions of the specific promotional campaign associated with the unique referral link that was used for the referral, SoFi Securities will: (a) credit an Invest account of the Eligible Invest Referrer with a referral bonus in the amount and method specified in the promotional campaign associated with the unique referral link that was used for the referral (the “Invest Referral Bonus”); and (b) credit the New Active Invest Account of the Eligible Invest Recipient, with a one-time welcome bonus in the amount and method specified in the promotional campaign associated with the unique referral link that was used for the referral (the “Invest Welcome Bonus”). Only one Invest Referral Bonus and one Invest Welcome Bonus will be awarded for each referred Eligible Invest Recipient, regardless of whether the Eligible Invest Recipient opens and funds multiple accounts. An Eligible Invest Referrer will not earn an Invest Referral Bonus if the Eligible Invest Recipient has or had an existing funded SoFi Invest account or does not use the unique referral link provided by the Eligible Invest Referrer.
Please note that if the Eligible Invest Recipient already has an Invest account, is on our opt-out list or on the national email opt-out list, or has already used another Eligible Invest Referrer’s unique referral link, SoFi Securities will not send an email to such Eligible Invest Recipient. We cannot disclose to you any information about New Active Invest Accounts opened by any Eligible Invest Recipients you refer to us. Participation in the Invest Referral Program serves as a one-time, limited waiver of privacy rights by both you and the Eligible Invest Recipient, pursuant to which each may become aware that the other has an account relationship with SoFi Securities.
To receive the promotional bonus, referred participants must (i) apply and successfully open a SoFi Checking and Savings account and (ii) make deposits totaling $50 or more that settle within 21 days of clicking the referral link. Deposits must be made via an ACH transfer from a linked bank account, direct deposit, via “Instant Transfer” from a debit card (if available), from cash deposits, mobile check deposits (if available), or wires. Peer-to-peer (P2P) transfers are excluded (P2P transfers are defined as ACH-based P2P or debit-card based P2P transfers from Venmo, PayPal, Apple Cash, Square Cash, Zelle, etc). Once the bonus qualifications have been met, SoFi will: (a) credit referred members a one-time cash bonus of $25 into their SoFi Checking and Savings account and (b) credit the referrer a one-time cash bonus of $75 into their SoFi Checking and Savings account within 7 business days. The referrer must have an open SoFi Checking and Savings account within 60 days of a successful referral in order to receive their one-time cash bonus of $75. Note that this is a limited-time offer from SoFi with limited availability, and is subject to expire at any time. Referrers will not earn a referral bonus if the recipient has or had an existing SoFi account, or does not use the unique referral link provided by the referrer. Employees of Social Finance, LLC and its affiliates are not eligible to receive referral bonuses under the Bank Referral Program. In no event will any referrer or recipient be entitled to receive more than $10,000 in cumulative referral or welcome bonuses under all available SoFi referral programs within any calendar year. Bonuses are considered miscellaneous income, and will be reportable to the IRS on Form 1099-MISC (or Form 1042-S, if applicable). This SoFi Checking and Savings Referral Offer cannot be combined with the SoFi Checking and Savings “account $20 open offer.” SoFi reserves the right to disqualify anyone from participation in the referral program at any time. SoFi reserves the right to change or terminate the offer at any time without notice.
SoFi will give you 1,000 rewards points (equivalent to $10) if the person you refer registers to use, and successfully activates, SoFi Credit Score Monitoring within 60 days of you sending the link. You will not earn rewards points if the recipient has or had an existing SoFi account or profile, or does not use the unique referral link provided by the referrer. In order to receive rewards points, you must be a registered SoFi user and accept the SoFi Member Rewards Program terms and conditions.
Terms and conditions apply. SOFI RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS AND BENEFITS AT ANY TIME WITHOUT NOTICE. Please note that any friend whom you’d like to refer must use your specific referral link to sign up or apply for the product they want. Employees of SoFi Technologies, Inc. and its subsidiaries and affiliates are not eligible to receive referral bonuses under the SoFi Referral Program. Only one referral reward and one Welcome Bonus per new customer: you will not receive multiple referral bonuses for the same friend taking out multiple loans or products, nor will your friend receive multiple welcome bonuses for taking out multiple loans or products.
Eligibility: The Program is open to all members who are of the legal age of majority in the state in which they reside. SoFi employees are not eligible to participate in this Program. See additional eligibility requirements per product in the Official Referral Program Rules.
Referral Cap: In no event will any referrer or recipient be entitled to receive more than $10,000 in cumulative referrals or welcome bonuses under the Referral Program within any calendar year. Referral Bonuses are each considered miscellaneous income to the recipient and may be reported to the IRS on Form 1099-MISC (or Form 1042-S, if applicable). SoFi reserves the right to change or terminate the offer at any time without notice.
The terms below govern your participation in the SoFi Plus Referral Program (the “SoFi Plus Referral Program”). The SoFi Plus Referral Program is open to all current SoFi users who meet the criteria below and wish to refer someone to enroll in SoFi Plus. A referrer must have a SoFi account and be of legal age of majority in the state in which they reside (an “Eligible SoFi Plus Referrer(s)”). Employees of Social Finance, LLC and its affiliates are not eligible to receive SoFi Plus Referral Bonuses under the SoFi Plus Referral Program.
The Eligible SoFi Plus Referrers are encouraged to refer friends, colleagues, family members, and anyone else who is not already a member of SoFi Plus (the “Eligible SoFi Plus Recipient(s)”). Social Finance, LLC (“SoFi”) reserves the right to disqualify anyone from participation in the SoFi Plus Referral Program at any time.
To receive credit for a referral made under the SoFi Plus Referral Program, an Eligible SoFi Plus Referrer must access their own unique referral link and send it to the Eligible SoFi Plus Recipient(s) whom they wish to refer to enroll in SoFi Plus. The Eligible SoFi Plus Recipient must use the Eligible SoFi Plus Referrer’s unique referral link to enroll in SoFi Plus within 45 calendar days of receipt of the Eligible SoFi Plus Referrer’s unique referral link by either (i) enrolling in and receiving a direct deposit into their SoFi Checking or Savings account or (ii) paying the SoFi Plus Subscription Fee. For each Eligible SoFi Plus Recipient who successfully enrolls in SoFi Plus by using the Eligible SoFi Plus Referrer’s unique referral link within 45 calendar days of receipt of such link, SoFi will award one additional entry to the Power of Plus Sweepstakes (the “SoFi Plus Referral Bonus”) for the Eligible SoFi Plus Referrer, up to a maximum of 10 additional entries. See sweepstakes Official Rules. The Eligible SoFi Plus Referrer will not earn the SoFi Plus Referral Bonus if (i) the Eligible SoFi Plus Recipient does not use the Eligible SoFi Plus Referrer’s unique referral link or (ii) the Eligible SoFi Plus Recipient enrolls in SoFi Plus by enrolling in direct deposit but does not receive a direct deposit into their Checking or Savings account within 45 calendar days of receipt of the Eligible SoFi Plus Referrer’s unique referral link. In order to receive the SoFi Plus Referral Bonus, the Eligible SoFi Plus Referrer must be entered into the SoFi Plus Sweepstakes.
SoFi reserves the right to modify or discontinue the SoFi Plus Referral Program at any time without notice. Please note that if the Eligible SoFi Plus Recipient is on our opt-out list or on the national email opt-out list, or has already used another Eligible SoFi Plus Referrer’s unique referral link, SoFi will not send an email to such Eligible SoFi Plus Recipient. Participation in the SoFi Plus Referral Program serves as a one-time, limited waiver of privacy rights by both you and the Eligible SoFi Plus Recipient, pursuant to which each may become aware that the other has an account relationship with SoFi.
In no event will any referrer or recipient be entitled to receive more than $10,000 in cumulative referrals or welcome bonuses under the Referral Program within any calendar year. Referral Bonuses are each considered miscellaneous income to the recipient and may be reported to the IRS on Form 1099-MISC (or Form 1042-S, if applicable). SoFi reserves the right to change or terminate the SoFi Plus Referral Program at any time without notice.
General Terms and Conditions: Part II
In no event will any person be entitled to receive more than $10,000 in cumulative referrals or welcome bonuses under these Referral Programs within any calendar year. In addition, SoFi reserves the right to, at any time, limit the maximum number of times a Referral Link can be used. Referral Bonuses and Welcome Bonuses are each considered miscellaneous income and may be reportable to the IRS on Form 1099-MISC (or Form 1042-S, if applicable).
If you participate in any of the Invest Referral Program, Money Referral Program, or the Loan Referral Program described above (collectively, the “Referral Program(s)”), you agree not to participate in any other solicitations for SoFi products. Other than as set forth herein, you agree not to compensate or accept any compensation from applicants whom you refer to SoFi through any of the corresponding Referral Programs described above. You further agree that your activities will be limited to referring potential customers as described above, so they may independently decide whether to apply. You may not collect information from eligible recipients under any Referral Program, assist with filling out an application, or discuss specific product terms.
You must comply with all applicable laws and regulations, in soliciting referrals. Eligible referrers may not purchase internet search terms or publicly advertise SoFi’s products or name in any fashion. Further, any distribution of a program link that could constitute unsolicited commercial email or “spam,” any content which impersonates or implies an affiliation with or endorsement by SoFi or any SoFi subsidiary, or any actions which otherwise violate any terms or conditions imposed by SoFi, or that SoFi determines in its sole discretion to be fraudulent in nature, are prohibited and will be grounds for immediate termination from a Referral Program. We will not honor referral payments for referrals which are generated using any of the foregoing means.
Your participation in a Referral Program is solely as an independent contractor. Neither you nor SoFi intend to establish an employment relationship, and you are not entitled to any benefits. We may require completion of a Form W-9 prior to payment of any referral or welcome bonus. Any payments that are not claimed within 180 days of the date the funds have been made available because either the direct deposit bank account or required tax information have not been provided are subject to forfeit.
In the event any of the terms of these Terms of Service conflicts with any terms in a specific promotional campaign associated with a unique referral link, the terms of these Terms of Service shall govern.
The Referral Programs described herein replace all earlier versions of such SoFi referral programs. SoFi reserves the right to temporarily, or permanently modify or discontinue the Referral Programs at any time, for any reason, at our sole discretion and without notice to you.
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