Remember when your middle school English teacher gave you this writing assignment: If you were granted three wishes, what would they be? You might have wished to transform into a polar bear or a unicorn, or wished for lifetime immunity from jerks.
Flash-forward to the present. Although your dreams may now be more grounded in the real world (like affording rent in an expensive city), those very adult goals of yours may still seem like a far-reaching pipe dream. Maybe if you made just a little more at your job or didn’t have such a large credit card balance to pay off, some of those long-term goals would seem more feasible, right? But what if you had another means to some extra cash without relying on expensive plastic?
That’s exactly what a personal loan from SoFi can do for you. With a low interest rate personal loan, you can save the cash you need to do awesome things in your life, such as:
Pay Off That Credit Card Balance
There may have been a time in your life when you needed to resort to credit cards to get by — and hey, we’ve all been there. And with automatic payments as a silent enabler, you’re probably paying thousands in interest and not feeling the pain. But make no mistake: If you’re paying only the minimum each month, you’re barely chipping away at your debt. And with high interest rates that fluctuate as wildly as your boss’s mood swings, sometimes paying off the plastic can feel like you’re trying to hit a moving target. Isn’t it time to take the bull by the horns and just end that credit card madness for good?
Make That Big Move
Whether it’s moving to another part of town or a different part of the country altogether, uprooting can be a total money pit. We all have our reasons for wanting to move: career opportunities, raising a family, lower cost of living, or merely a change of scenery. Even if you’ve mastered the art of selling your junk on Craigslist (for example, that funky vintage giraffe lamp you bought on impulse at a flea market), you still need a lot more dough to pay for relocation costs, overlapping rents, and buffer money for the transition. So instead of spending the next few decades of your life stuck in the same place, a personal loan can help you make a move.
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Stepping It Up in Your Career
So you’ve read all the dress for success stories and feng shui’d your cubicle to optimize your chances of getting that raise. But to really take your career to the next level, maybe you need to take some public speaking courses, finally learn to code, or work fewer hours to focus on an idea for a side business that’s been brewing in your head. If you use a personal loan to advance your career now, your future self will thank you.
Have That Bomb-Ass Wedding
So maybe the cost of a decent photographer has left you speechless, and you’re wondering if your friends can just use their iPhones. Maybe you’re wondering why if you stick the word “wedding” in front of cake, the price goes up 1,000%. Rather than max out your credit cards and your family relations, a personal loan allows you to have the wedding you’ve dreamed of without breaking the bank on interest payments.
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Really See the World
Sure, there’s nothing wrong with a staycation, but an annual summer tour of the city’s best taquerias and cheapest watering holes can start to feel old after a while. With some extra funds from a personal loan, you’ll be able to take that serious international vacation you’ve always wanted to take. You’ll be able to go on that backpacking trip or take a mega three-month tour of Southeast Asia. You need to get a photo with a tiger for your Tinder profile, anyway.
Guess What? There’s a New Way to Help you Get There
Whether you’ve got a big purchase in the works or want to tackle trimming down credit card debt, a personal loan with SoFi is a great option to make some serious headway on your goals. San Francisco–based SoFi is a leader in lending alternatives, and they focus on helping hardworking, driven professionals such as yourself take control of your financial life and realize your goals.
With loans that range from $10k–$100k, you can borrow what you need. Fixed rates range with AutoPay from 5.50%–8.99% APR* with your choice of set repayment plans, so you’ll pay the same amount every month and pay less on interest every month than with your credit card. There are absolutely no fees whatsoever (aka no prepayment penalties or origination fees). The loan is paid off in full at the end so you won’t live the rest of your life with seemingly endless credit card payments.
With an easy online application, you’ll know the rate you’re approved for in minutes. Plus, getting a loan with SoFi also comes with great perks, such as SoFi career support. So with a little extra cash in your arsenal, you’ll be well armed to chase your dreams and live that baller life that you’re highly capable of leading, the one where you’re in complete control.
* Fixed rates from 5.50% APR to 8.99% (with AutoPay). The SoFi 0.25% AutoPay interest rate reduction requires you to agree to make monthly principal and interest payments by an automatic monthly deduction from a savings or checking account. The benefit will discontinue and be lost for periods in which you do not pay by automatic deduction from a savings or checking account. SoFi rate ranges are current as of February 10, 2015, and are subject to change without notice. Not all applicants qualify for the lowest rate. For approved applicants, your actual rate will depend upon the term of the loan, your credit history and other factors.
SoFi loans are originated by SoFi Lending Corp (dba SoFi) California Finance Lender #6054612. NMLS #1121636. SoFi Personal loans are not offered in all 50 states. See www.sofi.com/eligibility-criteria.