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SoFi Review

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Michael Dinich
Michael Dinich
May. 04, 20214 min read

SoFi summary

SoFi’s low interest rates and dedication to customer education make it a top choice when it comes to getting a personal loan. It’s an excellent alternative for young professionals who are looking to build their credit through responsible borrowing, as well as aspiring homeowners or those seeking to refinance loans with unfavorable terms.

Pros

  • Flexible loan amounts and terms
  • Unemployment protection freezes loan payments in case of job loss
  • No fees of any kind

Cons

  • Approval process takes longer than some competitors
SoFi at a glance
4.6

Editorial score

Variety of loan types

Offers most loan types

4.0

Online experience

Has learning resources, access to rates, mobile app

5.0

Customer services and support

Multiple ways of reaching lender, wide range of hours

4.0

Loan amount range

Loan amount up to $50K

5.0

Repayment flexibility

Loan terms 60 months+

5.0

SoFi     SoFi Visit SoFi

Overview

SoFi offers a fresh and innovative approach to lending that differentiates its services from traditional brick and mortar lenders. The company was founded by four graduate students at the Stanford Graduate School of Business in 2011. The group wanted to make a commitment to offering a service that could help graduates pay back their student loans while bypassing traditional lending institutions. From there, the concept expanded to accommodate a wider variety of borrowing needs. In the time since, SoFi has worked hard to make good on its commitment, extending over $7 billion in loans to date. SoFi offers a variety of technology driven financial lending and money management solutions including wealth management, loans, and even life insurance. Additionally, SoFi works with customers to help them achieve stability, plan for their future, and reach their personal finance goals.

SoFi is a solid option for young graduates looking for a more secure financial future

Suitable For?

SoFi takes a fresh approach to lending and is ideal if you are looking for:

  • An alternative to the traditional lending system. SoFi’s marketplace lending model allows users to connect to the right borrowing opportunity without dealing with intermediaries such as banks or other bureaucratic roadblocks. If you need to restructure or deal with student loans, or are simply looking for a wealth management service, SoFi provides a fresh approach.
  • Financial stability. If you prefer a lending solution that not only seeks to work with you, but also helps you plan for the future, build your credit, or simply shape a better understanding of your financial reality, SoFi stands out as an excellent option.

Loan Features

SoFi’s does more than simply offer personal loans; it presents borrowers with several options, including student loan refinancing, mortgages and mortgage refinancing, as well as personal loans and parent loans. Additionally, SoFi is committed to helping loan seekers develop skills to instill a sense of more responsible financial decision-making. The company offers wealth management solutions, private placements, and even provides market commentary and investment resources to help you understand the process and make better investing choices. SoFi also makes a serious effort to educate customers, providing a wide variety of resources designed to bolster your understanding of personal loans, personal finances, and different types of loan options.

Highlights for SoFi:

  • Variety of personal loan types including student loan refinancing and consolidation
  • Mortgage and mortgage refinancing offered for new homeowners
  • Unemployment protection in cases of job loss
  • Wealth management service designed to help with financial planning
  • Strong educational resources to better understand loans, finances, and investing
  • Parent loans to help those parents looking to support their children’s education
  • Technology-driven approach to lending
  • Community events for entrepreneur networking

The Application Process

Applying for a loan with SoFi is simple, and though approval can take slightly longer than with some competitors, this is related to the company’s pledge to ensure responsible lending and transparency. SoFi’s loan amounts range from $5,000 to $100,000, although the higher amounts are reserved for applicants that have credit scores over 680. SoFi's approval process is not long, but can be expedited if you prequalify. To apply, you are required to fill out an online application, after which the company will do a soft credit pull—with no impact on your credit—and if you are approved, you will move on to a more rigorous qualification process. The online segment can be completed in a few minutes, although the full process can take slightly longer depending on your specific qualifications and credit score. 

When you apply, you should have the following documentation to hand:

  • Proof of income such as paystubs
  • A valid ID
  • Information on any existing loans
  • Employment information
  • Diploma or transcript in order to verify your graduation

Once you have completed the application, you will learn if you have been approved, and if so, you will be contacted by SoFi to establish the terms of your loan. After that, your loan will be transferred into your account.

Loan Terms and Requirements 

Due to its more involved qualification process, SoFi’s loan application takes a little longer than other personal loan providers in the industry. However, this comes with some benefits and advantages that make SoFi such a great choice relative to peers. 

SoFi Requirements:

  • US citizen or permanent resident
  • At least over the legal age in your state
  • Be employed, have sufficient income, or have an offer to start a new job within 90 days of your application
  • Minimum credit score of 680

Additionally, eligibility depends on other factors including your financial history, expenses, income, and career experience. One thing we were very pleased with was the company’s willingness to work with customers who have newly established credit, as it has no requirements on years of credit history. Moreover, the company does not have any restrictions on maximum debt-to-income ratios

In order to apply, you simply need to create an account with SoFi. The initial application process takes about 10 minutes, and once you’ve been approved, the qualification process will take a little longer depending on your personal information.

Rates and Fees

SoFi offers fixed rate loans ranging from 5.99% - 18.85% (with AutoPay).

SoFi’s rates can change somewhat depending on how you choose to pay your loans. If you opt for automatic payments, the company can offer better interest rates. Additionally, there are zero fees on any of their personal loans. 

SoFi loans are primarily aimed at young professionals and recent graduates. The company’s goal of helping people deal with student loans while instilling a sense of responsible decision-making makes it a top choice if you are a recent graduate and looking to establish your credit history, refinance your student loans, or simply learn to handle your finances better. SoFi’s products are generally designed for customers that have better credit scores.  Part of the reason why it can offer such competitive interest rates is its focus on customers with more proven financial track records. Furthermore, you can still apply for a loan from SoFi even if you were not recently a college student. 

Repayment Terms

  • All of SoFi's loan amounts are available with 6 different repayment terms of 2, 3, 4, 5, 6 or 7 years.
  • Unlike some personal loan providers that only issue fixed loan amounts for predetermined terms, SoFi allows you to choose your amount and your term.
  • The only factor that is impacted by choosing a different repayment term is the interest rate, which will generally start at the low end of the range for shorter terms. 

Additional SoFi Services 

SoFi Mortgage

SoFi Mortgage offers 3 types of mortgages: 30-year fixed 15-year fixed and 7/1 ARM. You can pay as little as 10% down and still potentially qualify for a loan. SoFi  Mortgage requires that you have great credit, typically favors high-income properties, and is currently only licensed in 29 states. Some highlights include:

  • Refinance up to 80% of your home’s value
  • Rate information available within 2 minutes
  • Potential to qualify for more than a traditional lender allows
  • Pre-qualify for a mortgage online
  • Underwriting as early as the pre-approval stage
  • No lender fees 

SoFi Student Loan Refinance

SoFi also offers student loan refinance plans with just as competitive terms and rate options as its other services. SoFi’s creditworthiness selection process is forward looking and takes into account a potential borrower’s education history. For that reason, SoFi believes in its customers throughout the whole loan term. Some highlights include:

  • Checking your rate will not affect your credit score
  • Unemployment Protection
  • No application or origination fees
  • No prepayment penalties
  • Autopay discount of 0.25%
  • $5,000 minimum to refinance with no maximum amount

Privacy & Security

SoFi places a premium on its customers’ personal information security, and works hard to avoid any data breaches. The company’s site features robust 256-bit Secure Sockets Layer technology that encrypts transferred data and includes military-grade protection. When it comes to entering personal information, SoFi asks for pertinent data only when necessary. While you are required to enter some personal information when first applying including details such as name and address as well as employment and education history, you only need to provide more specifics once you have been initially approved for your loan.  

Customer Service

As part of its customer service, SoFi features a standard FAQ section to help answer common questions and queries while also providing an excellent suite of resources that are designed to help people better understand loans and personal finances. Moreover, it offers community events and assistance programs for entrepreneurs to network. You can reach SoFi via e-mail or call its customer support on weekdays during normal business hours.

How SoFi Compares


 sofi LendingClub
APR5.99% - 18.85% (with AutoPay)8.05% - 35.89%
Minimum credit score680600
Loan amounts$5,000 - $100,000$1,000 - $40,000
Loan term24 - 84 months36 - 60 months
Suitable forBorrowers with Excellent creditSmall loans

SoFi has impressive loan terms and a high maximum loan amount, but if you have a lower credit score LendingClub is a solid option as it accepts borrowers with credit scores starting at 600. When comparing SoFi and LendingClub there's not much in it when it comes to minimum APR but SoFi pulls ahead with a very low maximum APR, offering very attractive loan terms overall. 

Marcus is another lender that has some similar features as SoFi, offering competitive APRs and flexible loan terms. SoFi and Marcus don't charge any fees, not even late fees. Read more about how Marcus and SoFi stack up against each other. 

FAQs

My credit isn’t perfect, can I still get a loan?

With SoFi you need a relatively high credit score of 680, but there’s good news too. The company takes a holistic view of your credit score, and examines things like your financial history, expenses, income, and career experience. In addition, the company doesn’t have any restrictions on debt-to-income ratio and when it checks your credit it will do a soft credit pull, which will not affect your credit score. 

What can I use a SoFi personal loan for?

There are some restrictions on SoFi loans. You can borrow from $5,000 to $100,000 to use for personal, family, or household purposes, but the loans cannot be used for real estate, investment, buying securities, higher education, short-term bridge financing, or business purposes, according to the company. 

How long does it take to receive my funds?

After you’ve finished the online application - and assuming you are approved for a loan - SoFi will contact you to put an electronic signature on a loan agreement. After signing, you should receive the funds within a few days. 

What types of fees does SoFi charge?

SoFi does not charge any fees for origination, closing, or prepayment. Also, as of December 2020, SoFi does not charge late fees on personal loans.

Summary

SoFi’s has worked hard to set itself apart in a crowded industry by providing a transparent offering with a customer-first approach. Despite some small downsides such as high minimum amounts and a slightly longer approval process, the company’s low interest rates and dedication to customer education make it a good choice when it comes to getting a personal loan. Furthermore, SoFi's efforts to teach better personal finance skills and professional development resources help in furthering your financial ambitions. Value-added services such as unemployment protection and job-search assistance are added benefits. All in all, SoFi is a good alternative for young professionals who are looking to build their credit through responsible borrowing, as well as aspiring homeowners or those seeking to refinance loans with unfavorable terms. SoFi presents a good choice for borrowers with strong credit scores thanks to its dedication to financial education, overall lending transparency, and strong customer-facing solutions.

Physical Address

234 1st Street

San Francisco, CA 94105

USA

SoFi     SoFi Visit SoFi

Disclaimer

Fixed rates from 5.99% APR to 18.85% APR (with AutoPay). SoFi rate ranges are current as of February 25, 2021 and are subject to change without notice. Not all rates and amounts available in all states. See Personal Loan eligibility details. Not all applicants qualify for the lowest rate. If approved for a loan, to qualify for the lowest rate, you must have a responsible financial history and meet other conditions. Your actual rate will be within the range of rates listed above and will depend on a variety of factors, including evaluation of your credit worthiness, income, and other factors. See APR examples and terms.

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.

Michael Dinich
Written byMichael Dinich

Michael has worked in personal finance since 1999. He shares unique insights on how to save money, increase income and prepare for retirement. Michael is a sought-after expert in the areas of taxation, personal finance, and health insurance planning. He writes for BestMoney and enjoys helping readers make sense of the options on the market.

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  • author
    Jon
    May 08, 2021
    Account is blocked

    Account is blocked. No idea why. Have bee trying to reach customer support or fraud dept as instructed. 3 days of attempting. No human to contact only leave voice mail for call back. 3 days no callback despite multiple calls. Sunnary: customer support is noteworthy for there being no customer support. It is impractical to have an account at a place where you cannot reach either customers support or even the fraud department

    ...

  • author
    AV
    Apr 27, 2021
    Physicians beware

    I am afraid I had quite the awful experience with this lender and I would encourage physicians and independent contractors to steer clear. As an attending physician I get paid several different ways but primarily my income is through a 1099 as an independent contractor. I recently purchased a new house and decided to refinance my student loans at the same time, since I would have all my up-to-date financial paperwork at my fingertips anyways. Unfortunately, after starting the application process my rate was significantly increased because my income could not be “verified.” SoFi clearly thinks I can repay the loan, since they still offered me one, I just do not qualify for normal rates. This is despite producing two years worth of tax returns (2019 and 2020) supporting my income and a signed letter from our office manager with my stated guaranteed income. After going back and forth with customer service for 13 days I was finally put in contact with an account specialist. They informed me that the only way I would qualify for their initial offer was if I could produce two years worth of End Of Year paystubs (the W2 was not sufficient). So, if you are a physician/independent contractor you will not qualify for their advertised rates unless you can also produce End Of Year paystubs, even if you have over 2 years worth of tax returns confirming you income. If you don’t happen to have End Of Year paystubs do not even bother checking your rate, it won’t be honored anyways. The real salt in the wound was being approved for the mortgage (which is twice the amount of the student loan I am refinancing) with the same documentation and half the hassle. If you have ever purchased a house, think back on your mortgage application. Remember the frustration and headache? Now double it and you have an idea of what dealing with SoFi has been like. If you are a physician/independent I would strongly recommend looking elsewhere. I know that is what I will be telling the medical students and residents that rotate through my clerkship when they ask about student loan refinancing.

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  • author
    Minnie Jones
    Apr 21, 2021
    Wow what a waste of time

    Wow what a waste of time, they pre-approved me with no problem, got all my information, made me fill out all this extra paperwork and then denied the loan anyway. I have extremely good credit, I wouldn’t waste my time dealing with them. Empty promises

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  • author
    Eric Graham
    Apr 21, 2021
    Tried signing up for investing and…

    Tried signing up for investing and their identity verification system can't verify me. That's fine. Robinhood had no issue with my identity, nor did Square Cash, which also offers stock options. Thank you very much for the wasted time! You get this review in return. Cheers :)

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  • author
    Andy
    Feb 26, 2021
    Account opening takes ages

    Applied for an account almost two weeks ago in Hong Kong which hasn’t been open yet. It says at the beginning of the process that it can take a few business days, but I had no idea it would take SO long. They also requested a minimum deposit of 10,000HKD, which I have no idea when I’ll see the sign of. Sounds like a total scam!! In the meantime I managed to open accounts with two other brokers... If I managed to get this account finally open I’ll take my money out and close it immediately. What a lack of respect and waste of time.

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  • author
    Juan pablo Cordova
    Feb 23, 2021
    Stay away from this app

    Stay away from this app, they made me lost almost 3000 usd by their “system problems”, hope you guys see this before download this app

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  • author
    Raquel C
    Feb 13, 2021
    Rejected me because of the Patriot act

    Rejected me because of the Patriot act? Racist I have been to peaceful BLM protest and signed some petitions

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  • author
    Marvelous Marv
    Feb 05, 2021
    Amateur Hour

    I applied for a refi and it was a disaster. The staff was a game of musical chairs.They didn't know much. They pre-approved me, took $500 for an appraisal and then the fun began. It was like dealing with fools. I gave up trying to educate them, went to my credit union and funded a month later. Stay away from these amateurs.

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  • author
    Ankit Takyar
    Jan 19, 2021
    SoFi negative customer service.

    Spoke to an account specialist today regarding my loan refinance. Asked to speak to manager was told by account specialist that it would not be allowed. Asked why? Told because I have answered your questions and queries. I let her know that I still wanna speak to manager to explain my point of view. Then she began to speak loudly telling me no she could not let me. Who does this? I came off working in ICU and did not wanna be treated negatively. Would recommend laurel road for refinancing your loan, this is to all my resident medical docs out there. Honestly those guys were more receptive and offered better promotions. Also when asked to speak with manager they did patch me through.

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  • author
    Taro
    Jan 18, 2021
    It was my first time to apply to Sofi…

    It was my first time to apply to Sofi and gotta say the experience was bad. After filling out all the information about yourself, they will start contacting you for more info one by one. This took months! I had a credit over 800 and don’t understand why they need to take that long to process. The loan amount was only about 12k. Save yourself time by applying personal loan to companies that actually looks at your credit score.

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  • author
    Adam
    Dec 21, 2020
    Good but always out to gain your money

    They are great if you simply want to pay your loans and have straight forward options. If you need anything complicated, please do not use them. Also remember if you need to pay off your loan (and the mail is late), they will make sure to collect all interest on the loans if the payoff check is late. They will not backdate to the payoff date.

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  • author
    Katie S
    Nov 24, 2020
    I have been a SOFI customer for years, but no more

    I have been a SOFI customer for years and had always received great service when refinancing my law school loans and using their investment platform. That all came to a screeching halt when I went to get a mortgage. I went through the application process providing all of the documentation needed to approve my loan. I have nearly perfect credit, a high salary career, and plenty of money saved for a down payment so the process was super quick.....at first. Once I decided to put an offer in on a house, I was forced to interact with Alice Tirrell who was my assigned loan officer. She repeatedly issued preapproval information and discussed my home purchase without ever mentioning that fact that a) apparently she had never actually moved my application forward for underwriting; b) because she had failed to do her job, SOFI would need additional time to underwrite the loan and appraise the house. Once I finally was under contract on my home and reached out to finish the process, she straight up told me that she couldn't help and I should go elsewhere. Apparently there was not enough time between my contract and closing dates since she had dropped the ball earlier and not processed everything that needed processed. I, understandably, was irritated because I had already provided all of my documentation and had been working with SOFI for months with ZERO mention of any of these issues. She refused to let me speak with her supervisor, continued to deny my requests to process the loan, and kept simply telling me to go elsewhere. Luckily, I had the credit and financial resources to easily find another mortgage company who was happy to have my business, but I am still appalled at the level of incompetence and poor customer service from Alice Tirrell. She is easily the worst service provider I have ever worked with (and I have had Comcast cable for years)! SOFI, if I were you, I would fire Ms. Tirrell and spend some resources trying to find loan officers who are competent at basic tasks and can conduct themselves in a minimally professional way.

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  • author
    Daisy
    Nov 15, 2020
    love investing with them and good…

    love investing with them and good customer service

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  • author
    Hamad Ahmed
    Nov 13, 2020
    I refinanced my student loan due to a…

    I refinanced my student loan due to a promotion of $450 dollars. The application was complete and I was approved. I called a month afterwards and was told that there was no such offer even though I confirmed on the first call about the promotion. I woul expect a company of this stature to have dignity and honor their words but they didn't. Im livid !

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  • author
    Happy Customer !!
    Oct 31, 2020
    Go elsewhere .Vey unprofessional and a waste of time.

    This company is a joke and is ridiculous to deal with. All smoke and mirrors. They had a few questions for my wife during the joint application process. They made ONE call which she could not take due to being in meetings. After calling back 4 days in a row asking the "reviewers" to return her call so she could answer their inquiry, they decline the loan due to "can't verify the identity". Hey dummies, how about returning the call so we can explain we had a credit freeze on one applicant which could easily have been resolved. What happened to e mail, morons? Can't a simple e mail be used in this day of super communication? To find the "adverse action letter" you have to sign in to your account daily to check for approval /denial. No communication on any decision. We wanted a 50k loan and with an extremely high income could easily have paid it down quickly. Great credit but a few high balances on credit cards/loan. In addition these dummies said we had high credit balances.. DUH !! That's why we wanted the loan to pay them off. These clowns lost a good chunk of interest opportunity but I couldn't be happier. We got a loan elsewhere. The CEO of this company must be asleep at the wheel.

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  • author
    MD
    Oct 28, 2020
    My story is the most strange and…

    My story is the most strange and absurd… My story is the most strange and absurd you would never hear in your lifetime: 823 credit score, 15 ys., 800 only on my 9 credit card account. Great credit history, never missed a payment, permanent tenured teaching job with Gov. agency (11 years on the job so far), perfect everything, around 100k income but despite all of this my 35K personal loan was declined from Prosper and Discover at the same time whereas they both called me before to tell me that I was approved. After hurting my credit through reporting "hard inquiry" that I knew about right away through my Credit Karma subscription, they told me the next day that I was declined for "not being able to verify my identity". More than 3 frustrating hours was with Sofi, Discover and Prosper did not help because they keep repeating what they see on their computer according to them. Bottom line, there is no a valid reason for the rejection. The only interpretation I have is that because my home phone is an internet one through Vonage and it seems their system does not recognize it but it still does not make any sense because they have my 2 cellphone numbers. So why? Racism is is the only answer. They all say the same exact non-sense no matter what you say to prove that you are honest and willing to provide anything to prove it. Discover was able to send me a code and recognize the phone but the next day another employee wanted to try my cellphone but his "COMPTER SYTEM IS NOT ACCEPTING IT". I immigrated here more than years ago and I never saw or heard something like that. Either racism or ignorance/hate of the other is growing so fast and which is becoming scary or the economy is so bad that these banks are broke and they keeping the few money left to their acquaintances. I can prove every word of what I said here anytime to anybody!!! Prosper let even like my saving account before changing their mind. They even suspended my account for 3 months on their company that they asked to open to apply for the loan. So, no my saving account is STILL linked and they did not give me any notice to check that it was cancelled at least. That means "power abuse" like in dictators countries", you have to trust them with your life savings but they can turn you down for any non-reason. Best of all, I have a Discover card since 2004 and had yesterday 10K700 credit line with zero interest for one year. Saying that to the employee did not help either. I have 8 other credit cards with an open credit line totaling 57000 that I am not using but only eight hundred dollar ONLY!!!!!!!!!!!!?????????????? Sofi did it to me twice but they were smarter not to count it as a hard inquiry at least. I made a complaint on line through Chat but their employee was playing the same game, wasting your time and making feel frustrated because they keep repeating the same non-sense thing they were told to say as an excuse. By the way, when they send the decline notice, they even dare to tell you that "This should be in the we were not able to verify your identify or/and your other credit accounts. If I were working on TV, I will tell these stories as real life raw experiences. This should be in Guinness world book That means all they are all ONE company playing the game and using us as Americans for their own greedy and immoral gains. Sorry for not having a Mike as a first name My background got a better job than yours which should make you also jealous and maybe it did. It is ironic that I teach my students not to be racist whereas it has been growing these days faster than the crypto-currencies. By the way, they do not deserve even that one star but the website system does not live you the option to put 0 star or -5... I told Sofi employee on the online chat " How come you have been sending me this loan offer by regular mail for more than 100 times and now you say what you say?". I got some nice words of encouragement like "I understand how you feel, I am trying to help you, my computer system is telling me this but I do not know why". My spouse were so mad that she took the phone with Discover and started to tell them how great they were, you know what I mean? She told them that your companies should hire robots instead of paying you for repeating yourself like a robot. They have a very "racist" provoking way of repeating the same thing over and over again, but unfortunately for them, this cannot work with two teachers like us who could them English lessons as we have Ph.D.'s in languages. Even saying this does not help. I have lived half of my life in two other countries in my life, one is a dictatorship and the other is a democracy, but I never saw or heard anything like it I am very patient person but this is off all charts Dr. M. D

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  • author
    Eric Kirsch
    Oct 28, 2020
    Buyer beware!

    Buyer beware! If you make more than 3 trades in 5 days they will lock your account and you can't get out of the trade for 6 months.You can lose your butt. Bad, Bad Bad

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  • author
    Aisha Navedo
    Sep 30, 2020
    F*** this place

    F*** this place. You make it literally impossible to be approved. Even with a co-signer that has no obligations and no debts and makes 60k annually. Even after I explained I’ve come to a settlement agreement with my student loan company. So the full amount they see isn’t what I’m actually having to pay back. They are not willing to work with you and honestly wasted time that I don’t have on this. There was no point in filling out the information for my co-signer if it was going to be denied based off of me alone and the loans at hand. Why the f*** did I add all the info for?!! On top of that there stupid checked box answers don’t tell you WHY your denied. I called three times each time was a different answer and none still knew the issue or said they didn’t have access to that information. I was told to call Experian for all of that, so I did. The guy flat out said, we don’t have that you’ll have to speak with them about it by law they have to tell you. He was no help at all. I kept getting this back and forth BS. So f*** this company.

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  • author
    Goodnight Gorilla
    Sep 28, 2020
    SoFi is incompetent

    Agreed on refi at end of June and locked rate for sixty days. At the end of the sixty days loan was NOT CLOSED or even close to escrow. SoFi sends email "at no cost to you we have extended your rate lock" Problem is that since June rates have dropped at LEAST another quarter point. Asked loan officer if they could do better. Answer: NO Decided to get loan elsewhere and rapidly got to escrow with a lower rate than SoFi. Meanwhile I closed my SoFi account. This morning I get an email from SoFi: "Thank you for applying for a mortgage loan with SoFi Lending Corp. After further review of your application, we regret to inform you that your application was denied." LOL. What incompetence. Will avoid in the future.

    ...

  • author
    Brandon Nami
    Sep 07, 2020
    Modern Yet Confusing Interface

    It's a great platform to use as a bank and invest in stocks / crypto. However the interface is really confusing to navigate, it's like going through a maze. There is no easy to use support interface, customer support can only be reached via email.

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  • author
    Rebecca
    Sep 05, 2020
    Sofi has major problems…

    Sofi has major problems with their site, their ability to timely and efficiently resolve problems and; they will hold your money hostage for undue amounts of time. Super, untrustworthy.

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  • author
    lt
    Sep 03, 2020
    Sketchy Company

    Declined a loan based on bogus reasons. Went to Lightstream and approved within minutes. Sketchy company with a sketchy ex-ceo.

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  • author
    William
    Aug 25, 2020
    Typical online lender that promises so…

    Typical online lender that promises so much but fails to deliver. Ads are populated by paid actors, not real customers. They probably use the same algorithm that the other guys use, cherry picking customers. Try a credit union or local bank first.

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  • author
    pw henderson
    Aug 20, 2020
    Huge process to remove your account…

    Huge process to remove your account from Sofi. It cannot be done online within your account. It's a little shifty. I'll update this review when a "Remove account and all data" option is available.

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  • author
    K
    Aug 10, 2020
    Horrible home loan experience

    We have student loans and have had personal loans through SoFi with a great experience. Their Home loan division is the complete opposite experience. They are unreliable, provide misinformation, and hard to reach once assigned a loan officer. I even asked to speak to a manager and after 3 days never received a call back in a complaint of Brylan Madderra unwillingness to help in a timely manor. We LOST a house because of him because he would not alter a pre-qual letter with a new offer amount. We HIGHLY DO NOT RECOMMEND SoFi for home loans and call out Brylan Madderra and his manager Chris for the bad experience.

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  • author
    Celestine douglas
    Aug 04, 2020
    This company is just filled with…

    This company is just filled with incompetent loan offices,after filling out the extra-paper work I was still not granted my desired loan,but after making research online and going with positive referrals about j-consult private financing,a private financing firm who after I got approved for my loan,I got funded in less than 30 minutes and offered a low interest rate....One of the best around simply call or text:1332333(9271)...for your quick loans

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  • author
    Trish Dawson
    Aug 03, 2020
    Great customer service

    Great customer service

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  • author
    D.W.
    Jul 27, 2020
    RUN THE OTHER WAY!

    I'm an existing SoFi Customer, faithfully paying my Personal Loan payments for 2 1/2 years now. We decided to submit a mortgage refinance application. Let's just say, SoFi is the most inept and unprofessional lender in this aspect ever to enter this space. After 3 months of jerking our chain, we submitted a refi app with our current mortgage holder. They were able to complete the same refi in 3 weeks that these jokers couldn't manage in THREE MONTHS!! They lie, are unresponsive to calls and emails, ignore you, procrastinate and one department doesn't know what the next is doing. No wonder their review rating drops every single day. Glad we dodged that refi bullet, and will gladly be paying off my personal loan early to be rid of them once and for all. Do yourselves a favor and apply with any other company that will actually appreciate your business.

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  • author
    Stan
    Jul 22, 2020
    SOFI is awful

    SOFI is awful. They try to string you along with proof of multiple documents and deceive you into thinking you will get a good rate. I followed all of their instructions, make a great salary, excellent credit and even provided a rate match with another vendor and they offered a rate that’s worse than my existing rate with them. Complete slap in the face. There are so many better loan vendors out there. If you are considering this loan vendor, please save yourself the heartache and time and look the other way.

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  • author
    Simon
    Aug 14, 2020
    Completely unresponsive [REVISED]

    The mortgage refinance process started out strong. But after I uploaded all the requested documents and paid an initial appraisal fee, I got complete radio silence. Both agents I'd been working with stopped responding to my emails and calls. After about a month of this, I found another refinance provider. Eventually, the SoFi agent got back to me. I let them know that I'd switched to another provider, and asked whether they could offer a refund for the amount I'd already paid to SoFi. They said that they'd submit a request, and I'd hear back within a month. I'm not holding my breath, but I'll update this review if it comes through. [EDIT] The refund came through. To give credit where credit is due: when SoFi eventually realized they'd made a mistake, they did everything reasonable to fix it. I revised my rating from 1 to 3.

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  • author
    Scott
    Jul 21, 2020
    THIS PERSON IS A SCAM DONT USE HIM!!!

    THIS PERSON IS A SCAM DONT USE HIM!!!! and dont try to use this company!!! Ray Sykes ray.sykes at mortgage.sofi.com He will provide you a good rate and then tell you he cannot honor it after unresponsive to emails. This company is a lender scam and I'm notifying the BBB.

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  • author
    Albert .
    Jul 12, 2020
    SOFI - Please heed warning

    Please heed warning. Also please read recent comments by others on various sites. SOFI does NOT care if you are in hardship due to Covid-19. Their only concern is to make more money. At first, they offered no help/forbearance at all, but buckled under pressure after “Federal” Student loans offered help while “Private” Student loans did not. So they changed their tune to "want to help" by allowing a 2 month Forbearance, however on the caveat that you would still be accruing interest every day and only get a break on 2 months principle on the back end (that tells you something right there). The SOFI reps (2 reps, 2 calls) were very clear that the interest would be paid be paid over the length of the loan. A 3rd rep also had that understanding. June 30th we find out - surprise! Interest payments to be up PAID front over the next 3 months to the tune of an add'l ~ $1400! And they raid the monthly payment on top of that! They flat out LIED to us. Be cautious. We have been with them for 5 years (2015), with 2 Loans(Parent & Student) that started at $120K. They have made a TON of interest ofs of us in those 5 years. We have seen the progression from a Company with Stanford founders, that seemed to really want to help (“Social Financing”) to another greedy large-scale Corporation, making more money off the backs of our youth and future of this Country. MOHELA is their cohort, we found that out as we struggled to fight for our rights with them. At the end, they & Mohela do not care to stand by their word, or help their borrowers in need during a worldwide PANDEMIC. They said they “may” consider that in the future, but for now sorry nothing we can do about it. Yes, that is true. Maybe thats how you pay for a new SOFI NFL Stadium in LA and for all those commercials on TV. Shame on them!

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  • author
    Jennifer Snyder
    Jul 08, 2020
    Disappointed

    I have a student loan refi which was a very easy process when I got it. A couple years go by, I start getting notifications for a mortgage refi. We started the refi process in the beginning of March. First, they let the application expire and we lost our lock on 2.75%. We had to reapply so we did it again. Got a lock at 2.875%. Submitted all of our documents, did the appraisal in mid May. Had a closing date in the dashboard of June 28. As the date got closer I get no response to my questions about when, where, etc. Finally I speak to a supervisor on July 2 who apologized and said she would help get our stuff back on track. Got a call that night saying everything is in underwriting and we should have the clear to close so we could finish this week. It’s Wednesday and no response. We are so over this and don’t feel we should have to check in daily with a company to make sure they’re doing their job. All we want to do is close!!! Do yourself a favor and stay away.

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  • author
    John Madden
    Jul 07, 2020
    Click bait low rates that dont exist

    They contact me after refusing my loan the first time, offering me 'fixed rate as low as 2.99%. I have a great paying job, and credit score is 819, and I go to ten mins of hassle to complete their 'get my quick rate' and ten mins of work later their rate is HIGHER than what i have. So I feel with my credit score those rates are just click bait and nothing else. And for that here is a bad review and stop annoying me.

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  • author
    Lisa
    Jul 01, 2020
    Service started out great

    Service started out great, never a late payment, my Problem started when I paid off my loan early. I called for a payoff and received it, a check was mailed for the payoff amount, they received it the 19th and did not process it until the 22nd! I’m thinking paid in full and when I look it says I owe 485 and some change. I call and no one can explain the extra charge! The customer service agent Aurthor was great! However could not fix it! I paid it because I don’t want them marking up my credit, I get it, I’m happy I paid it off 3 years early and I’m sure SoFi is not happy to loss 3 years of interest! I recommend to use caution when choosing SoFi for loan needs, if you pay earlier then the expect they will charge you extra when they claim no early pay off fee! Now to wait and see if they try and damage my credit, this was a company I trusted to find out they will do even their great customers wrong!

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  • author
    Tori
    Jul 01, 2020
    0/5, worst experience.

    If there was a way to rate SoFi 0/5, I would've. The worst customer service I have ever received all while waiting on a loan that had been sitting idle for 3 months and continuously being told they were working on it. The amount of times I was told there was a glitch on their end with my application and that everything would be taken care of, is endless. My application ended up expiring because it had been sitting in idle for so long. This was ONE DAY AFTER I had gotten off the phone with them once again saying my application still had not been pushed thru and them not finding any reasons why it had not been. They proceeded to tell me they would push it thru manually due to the "glitch" in the system that should have been reported on their end to IT, well the next day the application can no longer be used. Such wonderful news for someone who is in the middle of school and needs to pay their student loan. And even though I have done everything and continuously called them to inquire about what was going on and why my application was sitting idle... they still cannot do anything and left me hanging. "Apply again next time" "We'll give you a discount". NEVER going thru them again, I wasted so many hours on the phone for them to just drop it like I was a valued customer with a great credit score. A big company that treated me like an unvalued customer and person.

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  • author
    Ana
    Jul 01, 2020
    Poorly managed company

    Awful, just awful mortgage department. I have been trying to refinance my mortgage for the past 3 months. I am a Sofi member. I was initially happy with this company. Refinancing my student loans was quick, but I didn't have to talk to anybody. I did everything online by myself. Also, their financial advisor (Ryan Tuttle) was very nice and helpful. I currently have student loans, savings and investment accounts with them. My account has been given to 3 different mortgage specialists. Only one of them called me to introduce herself (Lucy). The first one, Alice Tirrell, was terrible. She lied to me about member benefits to get me to commit to them. She made me feel rushed. The next one (Lucy) promised they would make it up to me. The last one, Yvette Waller. She is the worst. My application was sitting there until I called several times to inquire about why it was taking so long to process it. Yvette said I had to submit everything again because it had been too long and they needed updated information. I sent everything again and nothing. She sent me a new loan letter. The member benefits I was promised still not reflected in the loan letter. In addition, a lender credit I had in my original loan estimate was removed without an explanation. This woman just won't get back to me. I have left her messages and emailed her. All I want is to talk to somebody and get an explanation. It is really disgusting. I spoke to her manager and she promised to call me back the same day. It has been a week. I am just shocked to have found so many negative reviews and they all seem to be true. I just want to close all my accounts and leave this company so poorly managed. I just emailed the CEO, but we all know it is not gonna go anywhere. What a waste of time. If you are trying to refinance your mortgage, go somewhere else please. I would never recommend this company to anybody anymore.

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  • author
    David
    Jun 30, 2020
    This is one of the most mismanaged…

    This is one of the most mismanaged companies I have ever been associated with knowing. How a company can just flat out "lose" an application, or lack of correspondence is just unbelievable. Knowing that my daughter's application expired, because of losing the application in the system-is just unheard of. So, because of the lost application from a month ago, is behind in paying the school, and is now in jeopardy of being kicked out of school. Thee was only excuses as it was there fault, but zero ideas of rectifying the situation, besides "re-applying". This is a girl, and her 2nd to last semester of nursing school, who can't pay for her education because of a mess up internally. An apology was made, but zero, i mean zero ways of getting funding to the school in time. When it was promised a month ago, that the application was done, and would be processed. So, a student has to suffer because of incompetence of a"big" company that does not truly understand customer service and is only worried about id do not know what. Just totally disheartening and a dis-service to the student loan providers out there. Somebody going into the medical profession, at this time our nation is involved in with the health issues, and all we get is" you need to re-apply again, because your application expired, because we made a mistake". Well that really helps the situation- or how about you apply again, and we can maybe work out a discount. How does that help the situation as of right now, when the money to the school is way overdue. Good grief, stay away from this company, or document the heck out of everything, and hope for the best. We documented, and you can see where this got us.

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  • author
    Ehren
    Jun 29, 2020
    Wow what a waste of time

    Wow what a waste of time, they pre-approved me with no problem, got all my information, made me fill out all this extra paperwork and then denied the loan anyway. I have extremely good credit, I wouldn’t waste my time dealing with them. Empty promises

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  • author
    Maddy
    Jun 29, 2020
    Disappointed

    Thursday, June 18, my card was declined 3 times. I checked my account all three times to make sure I had money in the account. I did. After having issues all day, I called customer service to see what was going on. It turns out they had frozen my account. I asked for an explanation, and customer service told me the account was "under review" and for reasons out of my control. I was sent to the investigation team, where I was told I would be contacted within 48 hours if I left a voicemail. I have called back 3 times since then, and was told the same thing. It is now Monday, June 29. I still do not have access to the money in my account and I have yet to be contacted by someone from the investigation's team. July 1 is quickly approaching, and I am concerned about the headache and stress I'll be under when all bills bounce, again for reasons entirely out of my control. This online bank has been wonderful up until this point, and it saddens me that the face of customer service is the only pleasantry about their customer service experience. You would think that if an account was frozen for up to 10 business days, the decent and respectful thing to do would be to inform the customer via email, phone call, or at least a notification on the iPhone app.

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  • author
    Katie Marie
    Jun 27, 2020
    I am disappointed with SoFi

    I am disappointed with SoFi. I have been a customer for years and tried to get a loan to consolidate all my debt, which would be an extremely, extremely manageable payment of only $500/mo. I was rejected. ??? I don't even know why they pre-approved me, and dinged my credit, which LOWERED my credit score, if they weren't going to approve me. Really disappointing. My advice is to use Payoff for your personal loan needs instead.

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  • author
    Raichel Griffin
    Jun 25, 2020
    No way to unlink bank account customer…

    No way to unlink bank account customer +service horrible

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  • author
    BD
    Jun 20, 2020
    Beware of "Free Stock" Deals for New Members

    Advertised "free stock" for new members by playing a claw game. I signed up online and found out the offer is only valid with the mobile app. So, I downloaded the app and entered my info and it said "this offer is only for new members". Apparently, since I signed up online 5 minutes earlier, I was not considered a new member. My wife also signed up as a new member on the app and was able to play the game. Instead of a free stock, like Robinhood gives you, she got a $5 account credit and they suggested she could buy a fraction of Tesla, Disney, etc. What a sham! Also, it is nearly impossible to find out how to cancel an account or make changes to a linked bank account. Overall, very user-unfriendly.

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  • author
    Nottellingyou
    Jun 19, 2020
    Terrible customer service

    Terrible customer service, never reviewed my updated employment verification and could never get the escalations department to contact me. Wrote a complaint to the CEO, and got a reply from a nameless entity - not even joking, the letter didn't have a name, title or department that sent it.

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  • author
    Brandon
    Jun 19, 2020
    Terrible customer service with home…

    Terrible customer service with home loans. They were totally incompetent. My life became so much easier when I walked away from Sofi and went to a different lender.

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  • author
    Manny V.
    Jun 19, 2020
    BIGOTED against LGBTQ!!

    Our application for a mortgage refinance began very seamlessly. But.....that was short lived. Every request they made from us to provide documentation was met within an hour or two. We were "conditionally approved" on 4/30. Then, because we applied jointly and indicated that we were married, our member specialist emailed us asking that I provide my spouse's name and email address, and that my co-applicant proved HIS spouse's name and email address (were both males). So uh....."He's my spouse, and I am HIS spouse. So you already have that info." Member Specialist - "Oh! Well, thank you for that clarification." This is where the process came to a screeching halt! Calls suddenly aren't answered. Voicemails not being responded to. Emails.....ignored. Then, they need another pay stub. Then another. Then another. Then, they need a letter of explanation why this address shows it is associated with me (it's where I grew up! And lived there. Over 10 years ago!). Well, the 10 pay stubs aren't enough. We send W-2's. They verify employment through the worknumber verification service (verifies I'm an ACTIVE employee). Employer has over 90,000 employees, and they don't verbally verity employment over the phone. Not good enough for SoFi. So they pull employment reports FOUR MORE TIMES. Still not good enough. They don't consider that VERIFIED. Underwriting doesn't know what Loan processors are doing and vice versa. Servicing agent doesn't know what underwriting is doing, and vice versa. Delay, deflect and promise to keep in touch with updates every 3 or 4 days. Pfffft, yeah right. Try every 3 or 4 weeks. The kicker.....when I asked why this process is so lengthy, I was RUDELY met with "Well, you're NOT our only customer!" I get that the potential for my measly $500 per month profit (interest) that you'll make won't make or break you SoFi. But I'll spread the word to two friends and ask them to do the same. And so on, and so on...... I also get the sense that they are procrastinating to see if applicants might possibly lose our jobs due to Covid-19 (almost as if they're hoping for it). If it's the case that they're too nervous in this climate, they should simply STOP ACCEPTING APPLICATIONS. Too bad for them. We have taken our business to a company that appreciates it and makes a decision based on my employment status PRESENTLY. Not what MIGHT happen in six months. We closed in a third of the time that our application has been "processing" with SoFi. Avoid these people like the plague. They are inept, unprofessional and amateurish at best, and bigots at worst.

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  • author
    tampson alabre
    Jun 18, 2020
    worst mobile banking company ever they…

    worst mobile banking company ever they lock my account with out any notification now im behind in all my bills and the people they have on the phone are so useless after i get my money i'll never use this stupid banking app thing again

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  • author
    Rani Gregory Whitfield
    Jun 17, 2020
    Unprofessional

    Poor service! I filed a loan and canceled it within the appropriate time frame (less than 1 hour and you have at least 72 hours). They responded by email that the loan was canceled the same day. 3 days later I received a text stating the loan was processed and funds were sent to the other company. SoFi not only wont stop payment on the loan but states I’m responsible for notifying the other company and engaging with them to get their funds back. I would never use this company and I’m encouraging everyone I can not to use them. Terrible customer service.

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  • author
    Christina Bowman
    Jun 17, 2020
    Don't trust this company!

    I opened an account with them in May and by June, they froze my account with no notification and no contact from SoFi. When I attempted to reach them, they had no explanation and no time frame as to when my funds would be released. After 3 phone calls, I finally was told my account was "under investigation for possibly violating the membership agreement." I have only used it to buy food on DoorDash for a 20% cash back promo SoFi offered and groceries. Now i am out $400 and I have no idea of when or if it will be returned to me. None of the managers I spoke with would help. I am filing a complaint with the FDIC.

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  • author
    D.W.
    Jun 17, 2020
    NINE WEEKS INTO A MORTGAGE REFINANCE…

    NINE WEEKS INTO A MORTGAGE REFINANCE APPLICATION! NINE! And still no closer to a closing than day one. Our first rate lock date (60 days) expired, and when I called to inquire what happens now, I was told "Oh, you can just pay us a fee, and we'll extend it." Oh.......so that's their game. As proof of employment, we've given W-2's, 8 paystubs (2 months worth), and they've pulled EDR reports (Employment Data Reports) from our companies third party employment verification SIX TIMES. And yet, they proclaim, "We can't verify your employment." They won't return phone calls, and emails go ignored regularly. And then, when I CAN get a hold of the loan processor to ask what the hold up is........"We're still waiting for a payoff quote from your current lender." AFTER THREE WEEKS!! I call our current lender to ask why they aren't responding, and they advise us that SoFi has never sent over the payoff request, NOR the signed authorization form from us (that we signed and uploaded back to SoFi, three weeks ago.) So, I call SoFi back and tell them what I discover, give them the fax number to the lender, and tell them if they fax it TODAY, the lender will send the quote......TODAY! And that's what happened. In the mean time, my lender asks us about our experience because they hear the frustration in our voice. They (current lender) offer us a lower rate, and promise that they can get us to close before SoFi can manage to get their sh!# together. Sure enough, unbeknownst to SoFi, we no longer need their services since our mortgage refinance has already been completed. That's right, our lender got done in three weeks what SoFi hasn't been able to do in NINE weeks (and counting). We're waiting to see how long it will take them to realize they need to just go ahead and close our file. I guess eventually they'll get around to calling us to see if we're still even interested in their incompetence. But we're not! In fact, I also have a personal loan with SoFi that I will be paying off early just to ensure they don't get one more dime of my money in interest. Consider doing business with any other company than this SoFi (So Outrageously F@#$ing Incompetent).

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  • author
    Bhanu
    Jun 16, 2020
    Worst.... Never consider SoFi

    Worst..... Bad experience... People my suggestion is think multiple times before proceeding with an application for loan with SoFi. Lots of hidden information and they expect customers to find clauses....

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  • author
    Jeffrey Bub
    Jun 16, 2020
    Terrible Service (Mortgage and Refinance)

    We are now on day 80 of trying to get our mortgage refinanced through Sofi despite them being our current mortgage lender. There was no advantage to refinancing through them. This was just a typical refinance yet they missed the first closing date and had to re-lock the rate. This put us into the next month when our insurance and taxes are due, and, as of now, this has doubled the closing costs we were initially quoted. The service is terrible. We're now constantly having to ask what progress is being made. We've gotten loan disclosure after loan disclosure with mistakes and changing numbers. Four NEW loan disclosures since re-locking the rate and that's not the final one. They've now missed the new estimated close date and the rate lock expires AGAIN in a week. We should have known better since we got similar service when we first took out the mortgage 2 years ago. The person handling the mortgage disappeared in the middle of it and had to be replaced. On closing day, we were sitting in an office waiting with the sellers while Sofi scrambled to get documents together last minute. Not as bad as this though. We're so sick and tired and beyond frustrated by this lender. We feel trapped since we locked in a low rate yet there's no end in sight to this ever being closed. I thought refinancing through the same lender would simplify the process, but the personnel is either incompetent or overburdened or both. We continue to move our grievances up the management chain in the hopes of getting this resolved, but I can't imagine how this process could be any worse. Please save yourself many headaches and go with a different lender. We wish we would have.

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  • author
    Andrae Smith
    Jun 14, 2020
    Not what I expected...

    I haven’t been happy with my refinance experience with SoFi, currently refinancing my condominium with SoFi and they seem to make a simple process difficult. I should have stuck with a traditional lender.

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  • author
    Adrian
    Jun 13, 2020
    SoFi Money locked my account and now…

    SoFi Money locked my account and now they cannot give me online access back to it. My account was locked about 3 months ago, but since I still had access to my account through the mobile app I thought I was just a glitch. Well, today I lost access to my account through the mobile app. I called SoFi Money support to inform them of the issues I was having, but they could not tell me why my account was locked. They sent me a text to verify it was my account, so they were able to unlock my account. However, when I tried login into my account I was greeted by a message saying my password was incorrect. I hit the reset password link, so they could send me an email, but never received the email with the link to reset my password. I told the customer service representative that I was not getting the email, so he tried to send me one. After confirming that they had my correct email, the customer service told me that their system for some reason was not sending out emails. I asked him if he could just send me the reset link via text, since I was able to get their text messages, but he didn't know. The customer service representative contacted their tech support and after a few minutes got back to me. He told me there was no other way to give me access to my SoFi Money account, but that I could still use my debit card and ATMs to make money transactions... They also told me that SoFi Money was having trouble with accounts being locked and with the system not being able to send out emails. Supposedly, they are working on the issue, but didn't know when the issue would be fixed. This problem has been going on for three months and still have not been able to fix it, which does not give me confidence in leaving my money with them. Now I have to waste a lot of time changing my direct deposit and all the accounts linked to my SoFi Money account via direct pay. If you were considering to open a SoFi Money account beware that you may lose access to your account because they can't seem to be able to fix some technical issues with their account system.

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  • author
    Terry P
    Jun 11, 2020
    A VERY happy camper

    I took out a personal loan with SoFi on 1/3/2018. I had racked up a bunch of credit card debt as a divorced dad with growing kids. By 2018 my kids were all grown. No more school supplies, child support, college tuition, etc. I had about $30K in debt of various origins to clean up, some were credit cards with fairly substantial interest rates. I had never missed a payment, always paid more than minimum due, and was making a decent salary, so my credit was excellent, which is a necessary factor in borrowing from SoFi. I was looking forward to an early retirement, but I needed to get rid of that debt if my plan was going to work. So I sat down at my computer with a solicitation letter I received from SoFi. I started the process by requesting $30K over 60 months. I got a very attractive offer, so I began by punching in all my info. After that I was required to scan and send them a couple of documents. I kid you not, two days later the money was in my checking account! I wasted no time in paying off each and every piece of debt in my portfolio. I did not close my credit cards out because why would I want to reduce my credit score by doing so? I just put them all in my desk drawer, keeping only one plus my debit card in my wallet. I vowed not to touch them unless absolutely necessary. By Decemeber 2018 I was able to retire with only my very manageable SoFi loan payment on the debt ledger. It's now June 2020 and I am a very happy SoFi customer. I have had a couple of occasions to call customer service. Both times my issues were handled quickly and with the utmost of professionalism and courtesy. I HIGHLY recommend SoFi for your financing needs.

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  • author
    LF
    Jun 10, 2020
    The worst lending experience I've ever…

    The worst lending experience I've ever experienced. First, when I applied, they said it would be a review of 2-3 days. It ended up being over 2 WEEKS. And despite having great credit, they declined my application. Endless requests for more and more documents...sometimes, asking for the same documents I had already provided. I have owned my own business since 2014, and they have not figured out how to navigate loans for those of us who don't have a regular stream of income. I will get gigantic checks and then nothing for a month or two. If that sounds familiar, don't waste your time with these people. And just a word of warning... the EMAIL THE CEO button is a joke. You are only connecting with a different group of staff members and not the CEO's office. Your loan will get bounced around, and looked at by many different people, depending on who is clocked in. And not everyone has the same level of knowledge or experience, and they make mistakes constantly! BEWARE. I am pulling my investment account from them, and closing my account. Truly, a terrible terrible experience and I wouldn't go back to them if they were the last lender on earth. They really deserve zero stars.

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  • author
    Brian Healy
    Jun 06, 2020
    Horrible customer service

    They sent me cold emails to refi student loan. I filled out application. They run my credit score 811 and then deny me. I call to ask why and a rude customer service rep says because of my irregular employment. I have owned my own business for 10 years. She then tells me to apply again. Awful experience

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  • author
    Anthony
    Jun 03, 2020
    Please don’t do it. Won’t help you.

    Gave me a personal loan with my wife as a co borrower. Made all my payments even through the Corona Virus, never asked for anything from them. Have excellent credit, above 780, asked if they could reduce my interest rate. They flat out said no. Do not waste your time with this loan company. They really don’t care about helping you. Disappointed. Thought it was going to help instead it’s hurting me more.

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  • author
    Ryan A. Foreman
    May 31, 2020
    This company has been extremely helpful…

    This company has been extremely helpful in coming to my aid in refinancing my student loans. 5 stars - best of the best - companies like these give me faith in commerce and the great USA. Stay safe!

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  • author
    Arkadi
    May 28, 2020
    Be carefull!

    Be carefull!! The application for opening an online account seems simple at the begining and then all of a sudden you can't accomplish the process.... By that time they pull out all the sensitive info from you, including social security# . In the begining they ask for valid ID, but I reside outside US therefore my drivers license has expired many years ago. And they do not accept US passport! I wanted to delete all the information that I provided, but they keep it at their server. It's impossible to delete....

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  • author
    Roger Annis
    May 25, 2020
    Customer service was non-existent

    Customer service was non-existent. I received someone else's confidential financial information, and when I asked for a different person to work with I never got a call or email back. They mixed up my file pretty regularly. Overall frustrating.

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  • author
    Oz
    May 21, 2020
    Far from a bank

    Banking with them for 6 months. A big disappointment. Nothing close to what you expect from a bank. I went back to my regular bank after a ton of wasted time sorting things with them.

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  • author
    EddieD2020
    May 20, 2020
    Horrible experience...don't waste your time!

    Don't waste your time with this company. Their online loan application process starts off looking good, then when you get to the supporting document section, it becomes very glitchy. Their system got stuck near the end of my application, so I could not upload their required documents. I called their customer service, but none of them could help or were willing to fix the problem. Most of the customer service reps I talked to did not speak very good English, so it was difficult to communicate with them. I spent weeks dealing with their customer service reps to get them their required loan documents. They kept asking for the information that I had already sent several times to them via their email system. When they finally fixed their online system, I uploaded my supporting documentation, but I was denied within hours. I wasted so much time with them to only have them spend very little time considering my application. By the way, I’m an attorney and a highly qualified candidate with a very high credit score. I applied for a “Parent Student Loan” which is usually an easier loan to get. Even CreditKarma listed my chances as "Very Good.” But I was declined by SoFi. It does not make sense. I would NOT recommend wasting your time and applying with this company.

    ...

  • author
    art sheeler
    May 20, 2020
    Jumping through hoops

    I started a personal loan process one week ago and had a "pre approval" for the amount I wanted at 9.49%. With a credit score of just over 800, I questioned why I did not qualify for a lower rate, and they told me it was because I had 2 loans already on my credit report. I told them I had paid all those off within the last 30 days (due to a mortgage refi), but they did not care, and said they only use credit report info. After sending 4 separate work related documents, they asked for my employer to answer a few questions by email to verify my employment (due to COVID). He answered and included his email and phone number. Then they said they had more questions for him, and asked for him to call them at the general number. Why did they just not respond to his email or phone him?? He called the number and they said they have no idea why he was calling. After one week of jumping through hoops, they finally said that I was "pre-approved" again for a 10.50% due to my salary. At this point I called ENT Credit Union in Colorado, and within 20 hours, I had a physical check in my hand!! Sofi has horrible customer service, you can never speak with anyone but a phone screener and they take forever to make decisions, that are not in the customers benefit.

    ...

  • author
    Craig James
    May 13, 2020
    TAKING ADVANTAGE OF COVID

    TAKING ADVANTAGE OF COVID, I'm a recent customer for Sofi and recently applied for a refinance loan. After I was approved, I was declined when they learned I was out of work for a couple weeks and encouraged to reapply for a higher interest rate. While FEDLOAN is offering NO INTEREST and DELAYING payments to help their customers, Sofi is more interested in capitalizing on the pandemic and taking advantage of their costumers' misfortunes. AVOID AVOID AVOID

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  • author
    Steven S.
    May 13, 2020
    These jokers strung me along for 3…

    These jokers strung me along for 3 weeks and then declined my application for reasons that were well known the day I applied. As a self-employed person, they ran me through the gauntlet asking for 1099s, bank statements, and several letters of explanation only to deny the loan. Waste of time and effort, and again, their reasons for denial of credit were available on DAY ONE of my application. STAY AWAY FROM SOFI!!

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  • author
    Katie O'Donnell
    May 11, 2020
    Very frustrating to work with

    Very frustrating to work with. Attempted to refinance a student loan and their document upload process was complicated and unclear. They repeatedly pressured me to "complete an application" for a home loan refinance when my current mortgage wasn't eligible (it's not high enough). Their website and its offerings fail half of the time; it's clear that it is a flimsy attempt at entering the world of banking.

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  • author
    Doug
    May 05, 2020
    This is a HORRIBLE company

    This is a HORRIBLE company. I was with SOFI for almost 3 years. After they delayed applying a large payment (that would've resulted in me refinancing with them) I shopped around and had no issue with a better rate. They drafted my account the day before the other loan funded (applied interest to the payment, please note however there was a payoff quoted to the other lender but if SOFI can steal your money THEY WILL). 60 days later, after being promised those funds were being sent to the other lender (I'm trying to pay off my loans, if you are trying to pay your loans DO NOT USE SOFI) funds are still in limbo (they held the check for a good week after cutting it). Do not conduct ANY financial activity with this company. Horrible, horrible service. Terrible people.

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  • author
    James Feeley
    May 03, 2020
    Worse than useless

    Worse than useless! SoFi solicited me to apply for a loan, then worsened the terms several times before insinuating that I had misled them regarding my credit worthiness (I actually documented higher earnings than originally claimed) and eventually (today) sent me a message declining a loan . All that I received from SoFi was a reduced credit score (caused by a so called “hard pull” credit check) and multiple changes in terms followed by a rejection long after I had decided against doing business with them. I have never been treated with such disrespect in any previous business dealings! Do yourself and your credit rating a big favor and avoid SoFi!

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  • author
    Travis
    May 02, 2020
    All hype...Not impressed.

    We applied, they asked for additional information: bank statements, lease agreements for rental properties, tax returns. However Sofi said they couldn't verify income. I called customer service and emailed several times. The only response I would get was "accept the revised offer (much lower loan amount and higher interest) or submit additional proof of income". When I called or email to get clarification and try to understand what they couldn't verify, no one could tell me. Customer service wouldn't connect me to the loan reviewer and couldn't tell me anything else other than accept the revised offer or submit more documents....but no one can tell me what other documents they want. I asked several times for a loan review to contact me. The email I received back stated the reviewers were too busy with other applications. Don't bother trying to apply with this company. They have no interest in customer service or even talking to you. Waste of time.

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  • author
    Susie Vernacchio
    Apr 30, 2020
    One star is to much this is the worse…

    One star is to much this is the worse company EVER! No one should ever do business with them.....

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  • author
    TitansMom
    Apr 28, 2020
    Incompetent and misleading every step of the way!!!

    Incompetent and misleading every step of the way!!! After 2.5 weeks of continuously asking me for one new item after another, they declined my loan saying, "Unable to verify income". This is FALSE. I uploaded my 2017 & 2018 1040's, I also uploaded my 2019 1099 from my employer (Have not filed 2019 taxes). I was approved on my previous loan with Sofi using the same 1099's for years 2017 & 2018 from my same employer. Sofi was also in possession of my 2019 1099 for well over a week before making their decision. They only made their decision after I uploaded a Profit & Loss showing a 1k expense, for the entire year! My Debt to Income Ratios are below 25%, My Fico is a 763, and my income was almost 300k the last 3 years running. My unsecured debt is $8300 and I have been with my current employer for 4 years. I have been around lending and for over 26 years. Sofi has denied the loan saying they were unable to verify income when all income was provided. They have been misleading and vague since I started the process with them. If your looking to have your time wasted and enjoy being deceived, Sofi is for you!

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  • author
    EM
    Apr 23, 2020
    I refinance my student loan with SoFi 5 and regretted it.

    I refinance my student loan with SoFi 5 years ago. In the second year of my re-payment, I contacted SoFi to inform them that my financial income had changed and ask for a decrease in my payment by half. This company is so unforgiving. They do NOT work with you to come to an agreement to repay. Whatever your payment is at the time of the application will remain regardless of your financial situation. They let you apply for forbearance once, they let you defer your payments once and then tell you that you have to keep up with your payment. The worst financial decision I have made was to use this company to finance my student loan with. Never again, and everyone I know, I am sure to tell them, DO NOT USE SOFI to refinance your loan because they do NOT work with you at ALL to assist you in making your payments affordable to you.

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  • author
    Elizabeth Alvarado Linares
    Apr 22, 2020
    Easy Application, Quick Denial

    Highly recommend for a personal loan if you 1) enjoy poor customer service and/or 2) want to be denied despite having strong personal credit and repayment ability. Underwriting is a joke; SoFi poorly represents the FinTech industry. Could not be less satisfied with a process - and company - with 0 transparency.

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  • author
    anthony genth
    Apr 17, 2020
    The worst of capitalism

    This is the only company that i have found that is completely unfriendly to people affected by COVID-19. I asked them to move my payment date by 13 days and it was a hiuge hassle. Then they said that I could defer "one" payment but that my account would be shown in default?? Unbelievable! AS other reviewers have said, no empathy, sympathy just money, money, money. This company makes me sick! I am 75 years old and need help but none is available from Sofi.

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  • author
    Alec
    Apr 15, 2020
    Pretty Decent...Could Be Even Better

    I am giving SoFi four stars because for the most part, they are pretty good. My only issue is that it seems sometimes the left hand doesn't talk to the right hand. I had ordered a checkbook back in February of 2020 and yesterday (04/14/20) I called to get a status update on the new MasterCard debit card they issued all of the SoFi money members. In doing so, I got the typical "it takes 10-14 business days" to get your new debit card. However, I counted out on the phone for the rep that it had been 28 "SoFi business days" and still no card. During the transaction, the rep advised me the security department wanted to talk to me. They said that they stopped the checkbook order two months ago because it looked "suspicious" and that the security department reached out to me and left a voicemail. Kicker is, no missed calls, no voicemails from SoFi and they tried to defend themselves by swearing up and down that they made every effort to reach me. I have been bombarded by daily emails and auto-texts to check my mailbox as my new debit card is here and needs to be activated. Now, if they (human aspect of SoFi) spent the same amount of time as the automated system does trying to notify me that there are issues with "xyz," I would have given them five stars. They are a great company overall with pretty easy ways to set up your account, manage it and what have you so I would definitely say give them a chance.

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  • author
    Andrew Marrow
    Apr 13, 2020
    Heartless

    Two years ago I lost my job and had to enter into a forbearance agreement, which came with an understanding that Sofi would continue to report me to the credit companies as late on my payments. Not ideal, but necessary at the time. Now, with the Covid virus taking jobs away left and right I reached out to Sof,i once again, to help me with arrangements to get through this time until life returns to normal and jobs are actually available again. I was told that I did not qualify for relief since I was late on payments in the past-again part of the original agreement, but technically not late. Not only did the deny to help but are also reporting me as late. Maybe I will get Covid and not have to worry about this, but I know if I don't it's going take years to get my credit rating back entact. Thanks for you nothing Sofi- you heartless money-making machine. N

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  • author
    m s
    Apr 08, 2020
    BAD COMPANY DO NOT DO BUSINESS WITH…

    BAD COMPANY DO NOT DO BUSINESS WITH THEM . THEY CUSTOMER SERVICE PEOPLE ARE AWFUL AND THEY DO NOT CARE ABOUT YOU

    ...

  • author
    Nolan
    Apr 07, 2020
    I wish I NEVER gave business to this company!

    My fiance and I opened up accounts with Sofi Invest. Before opening the accounts, we called the company to confirm when all of our bank funds would be available, and were told this would take at most 3 business days. After 3 business days the site was still showing the funds were not available. So we called Sofi again, and were told by Michael Karlson that it actually takes 4 business days, and that this information was available on the company's "FAQ" section of the website. So we looked at the "FAQ" section immediately, only to find that it stated the funds would be available in 2 business days! The company had absolutely no concerns that we were told 3 different things, and they had no interest in rectifying the lies told to us by the company representatives. We finally got ahold of one of their advisors, Tykiem Booker, who we felt was extremely rude and unproffesional. Honestly, we have never felt so undervalued as customers as when we spoke to Tykiem. He told us that their was absolutely nothing the company could do to release the hold on the bank funds, and also told us that our request that the company cover the potential lost opportunity was "unreasonable". Who would have thought that a company making up for lying to customers was "unreasonable"?? Tykiem ended up saying that he would check with his compliance team, and would get back to us to let us know what, if anything, the company is willing to do for us. Regardless of how all this shakes out, based on how we were treated by Sofi employees I would never recommend that anyone do business with this company!

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  • author
    Ryan Curtin
    Apr 06, 2020
    SoFi does not care about you as a…

    SoFi does not care about you as a 'member.' As soon as this global pandemic ends, I am refinancing my loan with a company who actually cares for their customers.

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  • author
    Kevin
    Mar 30, 2020
    Great all around

    Great all around, and very good tech-driven company I'd place trust in.

    ...

  • author
    Rogelio Estrada
    Mar 21, 2020
    If they can’t help during rough times! Not worth doing business with them.

    I would like to share my experience with SoFi during the pandemic times we been having. They send all this emails about providing help during this rough times. So I decided to call and see if they can postpone 1 payment for a later month. Yes, they would happily do it but with a re-calculation of an additional month. Meaning my Payment would go up moving forward. For me this isn’t ANY help. For me is TAKING ADVANTAGE of the situation. Things like this disappoint me a lot! I would never again do business with them or recommend SOFI to anyone.

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  • author
    Brian Dragos Sr.
    Mar 19, 2020
    horrible for mortgage !

    I’ve been a great customer of SoFi Financial for years . 3 different loans with full repayment and no issues . It only made sense to refi with SoFi . They billed it as the most streamlined online refi ever . First lie ! I needed as much or more paperwork Scanning , downloading , their app doesn’t work . Next they use a sales Guy and another guy who never really explains his job except he tells me he needs more . Brylan Madderra was the good guy sales guy and Isaac Levy was the don’t ask me questions it will all be corrected in underwriting guy . My first estimate was for approximately 2k to close , upon close it was nearly 5k . Had to chase them both to fix it then the underwriters left out my homeowners ? I caught it told both guys and clearly they blew me off . The notary came to my house and surprise no homeowners inc , now I chase during the Corona viriys outside my house to ups more papers and more money to fix their mistakes ? Horrible !!!! They also claim no fee but charged me 995$ Do not use them for refi ! Shame on you SoFi!

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  • author
    Lee
    Mar 18, 2020
    SoFi money is the worst steer clear of…

    SoFi money is the worst steer clear of these people by any means. I have been trying to withdrawal money from my investment account for several months now and nothing. I still have have what they are saying is a schedule withdrawal from over two months a ago and it hasn’t processed no funds have been returned to me and the customer service is the absolute worst

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  • author
    Brian Brignac
    Mar 17, 2020
    I've been a sofi customer for a few…

    I've been a sofi customer for a few years and I called them for a payment deferral due to the CV19 outbreak affecting our employment. My wife works in the medical field and they closed her office so I called them asking for a deferment of a payment and they graciously granted us this without any hassle. I truly appreciate this and commend them for providing great customer service.

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  • author
    Daniel Arita
    Mar 15, 2020
    Not helpful when you need them most

    This company will not work with you to help if you’re having financial difficulties, even just to restructure or reduce payments temporarily. Absolutely zero help whatsoever. I am sticking with my credit union for future loans.

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  • author
    Jay Crow
    Mar 12, 2020
    Self-Employed Applicants Beware

    Incredibly frustrated by the lack of transparency in the application process. Submitted all my info, but the application neglects to mention that self-employed individuals should use their *net* income -- so I got a call *after* the hard pull on my credit that my income was under threshold and I'd need to add a cosigner. They were unable to tell me what actual income threshold the cosigner would need to meet for the application to be accepted, or how they actually calculate income for verification -- and given that they'd neglected to mention to *me* that I was under threshold before the credit check, I absolutely did not want to risk my husband *also* getting a hard pull and then being denied as well because the income he submitted didn't match perfectly with their calculations. If they'd told me about the income issue *before* the credit check, I would have had no problem simply adding a cosigner, but I simply don't trust their process enough to try. The guy I spoke to on the phone told me that everything is "system-generated" so he can't actually look at the numbers, which is also extremely unreassuring, and tells me there's no way of ensuring that the same thing wouldn't simply happen again. It's maddening because it takes SO LITTLE EFFORT on their part to a) check during the application process whether someone is self-employed and b) if so let them know that they should not use their gross income -- and I don't know why they wouldn't check that the verified income qualifies *before* the credit check, too, which would have saved me from this entire debacle. Literally all they had to do was check my income verification matched first. Having the application process be this frustrating and untransparent makes me wholly unwilling to trust them with my finances. Really dismayed by the entire experience.

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  • author
    Jason Howe
    Mar 08, 2020
    SoFi tortured me to accept a lower rate

    It was bad that SoFi didn’t honor the initial rate but much worse that they torture me to sign. I got a better rate from a competitor (everyone should do that) and sent for a rate match...denied! Then they tortured me to accept their worse rate.

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  • author
    Arnaldo Rosario
    Mar 05, 2020
    Sofi locked my account with over $2500…

    Sofi locked my account with over $2500 in my auto invest account over a month ago I wasn't notified. Only reason I found out was because I noticed my auto deposit were turned off. When I called today the representative had no idea why my account was locked. The notes said account under review and that's all. It's been sitting like that for a month. Now they are holding my funds hostage. At this point I no longer want to invest with sofi and demand my money back. I would rather trust betterment and even acorns with my funds!

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  • author
    Seth Crowell
    Mar 03, 2020
    Switching to a Company Who Cares About its Members (not just getting new ones).

    I held a SoFi Money account first, just a savings w/ decent interest. When I tried to open an investment account I learned the Auto-Invest is a totally separate account from the Active-Invest. When I transferred money from the Money account to my investment account, I was under the impression I would have access to my money right away since it was all through SoFi. This is only true of the Active Account (not Auto-Invest). When I emailed within minutes about canceling the transfer, no one emailed me back. I followed up the next day, no response. So I called, and now it's "too late" to cancel and I will have to wait 4-6 days to get my money back. It's literally my money, and SoFi won't let me have it. I will be closing all of my accounts as soon as all my funds clear. I've lost the opportunity of investing my savings while the market is low.

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  • author
    Juan
    Feb 29, 2020
    Misleading customer service

    Dishonestly misleading customer service. Before applying for a student loan refinance, I asked whether I was eligible given my current immigration status. I asked twice: one time by email and one by phone. They encouraged me to apply. They said they wouldn't do a hard credit score check before making sure my resident status was not a problem. They encouraged me to apply. I applied, they did a hard check on my credit score and rejected to process my application due to my immigration status.

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  • author
    Mark
    Feb 28, 2020
    The current marketing program featuring…

    The current marketing program featuring consumers stating that are out of dept because they consolidated debt through one loan throughout SOFI is a lie.They still have the same debt but the payment goes to one company.

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  • author
    Jamie Bourne
    Feb 27, 2020
    Sofi changed the amount of the loan…

    Sofi changed the amount of the loan that I had specified to be higher based off a statement I provided for address verification. When I reached out to Sofi to correct this they created another loan with the same too high amount. I reached out an additional time after this to correct the loan to be what I had originally specified and then the loan expired 2 days later. It was a good rate if not for the incompetent customer service. After all of the loans expired and 2 months later they sent me an email saying they would unable to provide me with a loan and one reason being "Too many inquiries last 12 months". Amazing. Perhaps if they spent the energy bombarding me with reminders to finish the application process on customer service that actually listen to what you're saying then I would have gotten the loan.

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  • author
    Disappointed with their high reviews
    Feb 27, 2020
    They're "ok"

    My rating went from one star to three: The online systems has errors and caused delays and a re-submission. Their customer service is good. Once they corrected their online service (resorted to standard "paper" forms vs online entries) the process was quick.

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  • author
    Onur Torusoglu
    Feb 26, 2020
    Bait and switch with no remorse

    I needed an urgent loan for less than %5 of my current income with excellent credit. They started the process told me everything was in order, next morning I got an email telling me rates have changed and increased... A classic bait and switch knowing that I needed the money within 2 days. Left me no choice and blew my deadline without any care

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  • author
    Kevin Lee
    Feb 25, 2020
    I had submitted 2 years of 1099 and tax…

    I had submitted 2 years of 1099 and tax forms, had the process drawn out, and I actually got a loan through Marcus within 2 days. I let Sofi know they can take their new jacked rate, which they increased from 6 to 11 percent and to rescind my loan request. With this type of hassle, not worth the trouble for the run around.

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  • author
    Nachshon Fertel
    Feb 21, 2020
    SOFI Money is the next-generation of…

    SOFI Money is the next-generation of banking! It is by far the best bank with the best benefits. I recommend it to everyone.

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  • author
    Hugo Dominguez
    Feb 16, 2020
    Sofi don't take care the customers I'm…

    Sofi don't take care the customers I'm apply for the loan I get 13 % interest...I'm apply in Marcus I get 6.74 % I'm new customer in Marcus.....soo first apply in Marcus before you waste your time in sofi...oh don't send email to the CEO because he never help

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  • author
    DelD
    Feb 13, 2020
    As long as you never need to speak to a…

    As long as you never need to speak to a human, okay. They are all robits!

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  • author
    Jim W
    Feb 11, 2020
    Loan approved two weeks ago

    Loan approved two weeks ago. But, due to some computer glitch, the approved loan can't/hasn't processed. SOFI has no idea how to fix nor timeframe to correct.

    ...

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