Best Long-Term Personal Loans Of 2026

SoFi’s 2026 long-term personal loan offering highlights eligibility rules, rate ranges, and funding expectations for borrowers. The article notes funds may be available as soon as the same day but depend on the application. Eligibility is limited to U.S. citizens or other eligible statuses residing in the U.S., and borrowers must meet SoFi underwriting requirements; the lowest rates are reserved for the most creditworthy applicants. Minimum loan amount is $5,000, with amounts ranging from $5,000 to $100,000. Fixed APRs are listed from 6.99% to 35.49%, reflecting a 0.25% autopay discount and a 0.25% member discount, plus origination fees that vary by lender.