Best Personal Loans For Students With No Income Of 2026

SoFi’s personal loans for students with no income are marketed with details on eligibility, amounts, and APR ranges. The material notes funding may be available as soon as the same day but can take longer depending on the application. To qualify, applicants must be U.S. citizens or other eligible status, reside in the U.S., and meet SoFi underwriting requirements; not all borrowers receive the lowest rate. Loan amounts range from $5,000 to $100,000. Fixed APRs are listed from 6.99% to 35.49% for qualifying applicants, with discounts tied to autopay (0.25%) and membership (0.25%). The content also states post-secondary education expenses aren’t eligible for use.