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SoFi Review

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Michael Dinich
Michael Dinich
Aug. 23, 20224 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
4.8

Editorial score

Variety of loan types

Offers all loan types

5.0

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

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 7.99% - 23.43% (with all discounts).

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
APR7.99% - 23.43% (with all discounts)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

*SoFi Checking and Savings is offered through SoFi Bank, N.A.  

Fixed rates from 7.99% APR to 23.43% APR APR reflect the 0.25% autopay discount and a 0.25% direct deposit discount. SoFi rate ranges are current as of 8/22/22 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. Lowest rates reserved for the most creditworthy borrowers. 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 is the founder and CEO of WealthOfGeeks.com. He 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 finance professional 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.

SoFi
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GreatReviews 3,318
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GreatReviews 3,318
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76%
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7%
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3%
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3%
Bad
11%
  • author
    Christine
    3 days ago
    Debt consolidation loan

    Great service and fast approval. So easy. Great interest rates.

    ...

  • author
    Darrell
    3 days ago
    Blue eyes

    Fast decision no hassle when needed a loan

    ...

  • author
    Balthis
    4 days ago
    The account specialist named jared that…

    The account specialist named jared that works here like to tell people what to do and how to feel. Tried to take away my god given rites. Trying to withdraw money out of my sofi account and they say they need a blank check stub. I gave them four blank check stubs with my banks official stamping on it, I gave them the paper for my direct deposit with my name and the account number on it also stamped, and all three papers of detail of transactions also stamped and this Jared guy said there inconsistenties. I wanna see if the police thinks there's inconsistenties on it because it can't get no more official. So watch out people, they will try to keep your money. I have been trying to withdraw it since the 8th and still nothing but stalling and lies. That's no way for a business to act. Told me I needed to put tbe money in a sofi instead of worry about the bank I have had for four years. He's not going to tell me what to do. im grown. So I shut that sofi bank account down. I mean it, for your own safety of your money, don't let these people no where near it. I can prove it all. Snapshot everything.

    ...

  • author
    Alfredo Lugo
    Sep 23, 2022
    To whom it May concern

    To whom it May concern. Several months ago I applied for a personal loan which was successfully approved. My experience with the personal loan department was very good. Later they offered me a credit assignment which I accepted and was approved. Then they sent me the plastic and I proceeded to activate said card. I was not able to use it in any business. I contacted the bank to notify what was happening. They told me that it was true that there were problems with that card and that they were going to send me another one, between seven and ten days. After more than 14 days I contacted the bank and they told me that they had closed the account by mistake that they would proceed to activate it and send the card. Then I check my account and they had billed me 25 dollars, it says that for the card which never arrived and it would be unfair to have to pay because of a bank error. In short, this credit card department is a disaster, I have never seen more incompetent people. I am very disappointed and I prefer to cancel this card. Thank you very much cell phone 40

    ...

  • author
    Eric Courtaway
    Sep 22, 2022
    Credit keepers

    They're helping keep all the accounts together that are associated with my credit score.

    ...

  • author
    M NAVES
    Sep 22, 2022
    Very impressed of their ability to…

    Very impressed of their ability to process my loan within 24 hrs , well done I appreciate your service . Thank you .

    ...

  • author
    Eric
    Sep 21, 2022
    Fast Service

    SoFi was fast with the approval and deposit of funds into my account.

    ...

  • author
    Mounir benzakour
    Sep 21, 2022
    Don’t use this bank

    Don’t use this bank , they forced selling my stock blocked my account simply because I transferred couple hundreds dollars to my wife’s account to pay bills. Froze my account sold stock. 2 weeks now still waiting for my money to pay bills . The person from customer service talked to me like I’m a criminal that did something very wrong according the their system while we can barely pay our bills .

    ...

  • author
    Adrienne Vasquez
    Sep 21, 2022
    Looking to consolidate bills

    Looking to consolidate bills, make 1 easy payment. I filled out the application, reviewed paperwork, esigned documents, I was approved within 30 mins. My loan funded in 24 hours. Simple easy no hassel. I love Sofi Bank. I bank with another institution for 30 yrs they were no help. I cancelled all my credit cards and am thinking of changing my account to SoFi Bank.

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  • author
    PAT
    Sep 20, 2022
    was promised TWO 25% discounts on…

    was promised TWO 25% discounts on loan.. only got one despite SOFI CS REP ALEXANDER telling me we had to sign b4 we could get the TWO discounts. FRANCESA REF#25661620 said he was mistaken when he told me this on the fon & even though he was mistaken SOFI would not honor what he said..predatory lending!..working w attorney, credit karma, & BBB

    ...

  • author
    Yolunda
    Sep 20, 2022
    Right Time

    I saw the ad and thought I'd try it not expecting favorable results. I pay my bills on time but each paycheck there is really nothing left because I had been relying on credit cards the last year or so. My debt to ratio is higher than it's ever been. I thought if I could just pay them off I wouldn't be just treading water.

    ...

  • author
    Eirik
    Sep 20, 2022
    Recently i applied for a consolidation…

    Recently i applied for a consolidation loan I've made a few payments. Yesterday i got an unpleasant surprise, i do not have auto pay set up as my pay days do not fall on the same damn day!! 2 times my BECU account had taken out my monthly payments to Sofi!! This does not sit well with my budget!! I called the 1800 number the operator at the time could not help me refund the 2nd payment! That did not set well with me, that just messed up my budget!! Thanks SoFi, I know you want the loan repaid, and I will but your greedy computers just screwed me over thanks!! I am not happy with our banking relationship! I also set the pay date to the 25th, i made an early payment on the 16th, it takes 3 days for that to reflect on my bank, so the 19th that payment showed up TWICE!! No my bank doesn't give me that code!! I'd like the refund of my 2nd payment of this month refunded asap!! But no greed has gripped SoFi!! The operator put a tag on the over charge you did to mess up my budget, she said that may take 10 days... I WANT THAT 2ND CHARGE REFUNDED NOW!! I have a car payment that my bounce because of Sofi! Thanks, if i loose my car, there is no busses to my work, no work no money, understand? I am not happy with SoFi so far! UPDATE!! Turns out that BECU's computers did a double ECH glitch!!! money went out of my account, but didn't go to SoFi, I have to contact SoFi to cancel the refund, YOU BANKS better keep better on your softwares!!! otherwise glitches like this will ruin your reputation! BECU is going down that road of ruined reputation!

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  • author
    SanShine Kisses
    Sep 19, 2022
    Needed help with a loan and Sofi was…

    Needed help with a loan and Sofi was fast and efficient. Easy to answer all questions and it's a no hassle. I'm grateful that Sofi helped me.

    ...

  • author
    Lisa Victory
    Sep 18, 2022
    Easy process

    Easy process! Great staff! 5 stars!

    ...

  • author
    Jackson
    Sep 18, 2022
    easy to navigate

    easy to navigate, well laid out site, fast processing and payment.

    ...

  • author
    Cherry
    Sep 18, 2022
    The ease and security that I felt with…

    The ease and security that I felt with Sofi definitely deserve a 5 star rating.

    ...

  • author
    Andrea Haywood
    Sep 18, 2022
    Was fast and easy .

    Was fast and easy approved for loan yet when I went to accept gave me different amount, yet I'm still getting offers for original amount didn't make sense.

    ...

  • author
    Daniel Maldonado
    Sep 17, 2022
    amazing

    I love Sofi bank I applied for a personal loan and whoa I got it in 2 days with no hassles or endless paperwork, With other banks, it's like I want your W2s, then I want your pay stub, then I want this, and then that. Other companies are like that they put you through the rigamarole Sofi bank doesn't do that. They check your credit score and only want your recent paystubs and that's it. Oh, they want your account and the routing number of your bank. After I pay this loan off I will sometime in the future apply for another loan.

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  • author
    Roque Jimenez
    Sep 17, 2022
    Amazing experience using SoFi to…

    Amazing experience using SoFi to consolidate my credit card debt, the process was super easy and fast. I wish I would of done it earlier but, either way, I am very happy and pleased, so much that I recommended to all of my family members !

    ...

  • author
    Tracy Belshee
    Sep 17, 2022
    So far I've had a pretty great…

    So far I've had a pretty great experience with the SoFi group of products. Late last year I got a credit card to help increase my overall limit and raise my score which has worked great. Then I noticed in their app they provide various types of loans so after a bit of research decided to try and get one to consolidate various cards/debt as well as some extra so I could afford to install a diy mini split system as well as reinsulate the outer walls in my house. I figured it was a long shot but ended up with the money in my bank about a few days later. Even better though, my interest rate dropped from the lower to mid 20's on my prior debt to 13.5 on the loan and my overall payments dropped by around $300/month. And that doesn't count what we expect to save in electricity once we finish with the insulation and installing the mini splits. Overall this has been a great experience, and everything was done online and through their app from my phone. Crazy

    ...

  • author
    Cynthia Farr
    Sep 17, 2022
    I needed to pay down credit card debt &…

    I needed to pay down credit card debt & the IRS. SoFi approved my loan (with a much lower APR) in a matter of minutes. Money was deposited in just a couple of days. Very good experience!!

    ...

  • author
    Sharon Cooper
    Sep 17, 2022
    I was recommended to go onto the SoFi…

    I was recommended to go onto the SoFi website to apply for a loan. To my surprise I was given the loan that I needed to help me with my basement.

    ...

  • author
    Jose Arevalo
    Sep 16, 2022
    Peace of mind

    Easy to apply, fast and reliable.

    ...

  • author
    Collin
    Sep 16, 2022
    Easy and intuitive process

    After much research and debate, my wife and I decided to partner with Sofi to get our finances in order, consolidate our HH debt, and start saving intelligently for our future and our kids' futures. The process was simple and timely, the user interface easy and intuitive. A few times I thought we must surely be missing something because it was so easy. Would choose Sofi again if given the choice and in a similar situation. Great!

    ...

  • author
    Melinda Kurth
    Sep 16, 2022
    Great

    Great! Quick and easy!

    ...

  • author
    Ramona Gallardo
    Sep 16, 2022
    This has been the most wonderful…

    This has been the most wonderful experience ever encounter in a Personal Loan.

    ...

  • author
    Fanaye
    Sep 16, 2022
    The transaction was tearlessly

    The transaction was tearlessly, fast and customer service is very efficient, knowledgeable. I was surprised to see how easy it was to talk to someone on labor day.

    ...

  • author
    Ken Grier
    Sep 16, 2022
    Big Thank You

    I would like to say the process was super easy and they made me feel super important great experience , I recommend to any one .

    ...

  • author
    Daniel Morgan
    Sep 16, 2022
    Easy funding and stress free

    The process was easy and straightforward. I entered my information and got an answer fast. The terms were explained thoroughly and the loan was closed fast. Easy to do business and a great experience.

    ...

  • author
    Jason Guerrero
    Sep 16, 2022
    Could Not Have Been Easier or Faster!

    Could not have been easier. Fast Payout and great online tools. The website is easy to navigate and understand.

    ...

  • author
    Mark Garner
    Sep 16, 2022
    Amazingly quick

    Amazingly quick - I applied for a loan and cash was deposited in my bank account within a couple of days.

    ...

  • author
    Juju
    Sep 20, 2022
    Loanshark experience

    I was given a high interest, extremely high monthly payment on 2yr loan despite having a credit score of 760+ at the start and income of $125K. Choose a different lender. This experience was hogwash.

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  • author
    Michelle Tyer
    Sep 16, 2022
    I applied for a loan and the process…

    I applied for a loan and the process was easy. There was an offer and the terms where easy to understand.

    ...

  • author
    MH
    Sep 16, 2022
    Does Not Play Nice With Other Banks

    It you pay your SoFi personal loan from a non-SoFi bank, payments take unusually long to process. A payment was sent via my bank’s Bill Pay on 8/29/22 with a requested delivery date of 9/6/22. My bank says SoFi didn’t receive the payment until 9/10/22. They did not credit receipt of my payment until 9/13/22. There was better payment receipt and accounting in the last century. Very poor for 2022.

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  • author
    Ahmad Farnia
    Sep 16, 2022
    Awesome service from start to finish!

    Awesome service from start to finish!

    ...

  • author
    Jack Sajan
    Sep 16, 2022
    SoFi to the rescue

    There was a time before I was robbing Peter to pay Paul, Inorder to try to stay afloat that’s when I let SoFi to offer the help I requested .

    ...

  • author
    customer
    Sep 16, 2022
    Excellent

    Excellent. The process was quick and painless. I was approved in a timely manner and the money was deposited in to my account in a few days. Would definitely recommend.

    ...

  • author
    Joe H
    Sep 16, 2022
    This was an amazingly easy process

    This was an amazingly easy process! This is the lender of choice...

    ...

  • author
    Kelley
    Sep 16, 2022
    Great lender!

    Such a simple, fast, and efficient lending process! The app is super easy to use, as well.

    ...

  • author
    Fernando Lopez
    Sep 16, 2022
    Perfect

    Everything was easy really smoth

    ...

  • author
    David Riley
    Sep 16, 2022
    Nice people to do business with.

    All in all it was an easy process. Very nice professional folks to do business with.

    ...

  • author
    Dr
    Sep 16, 2022
    the process was easy and clear and made…

    the process was easy and clear and made the application process quick and efficient

    ...

  • author
    Michael Moore
    Sep 16, 2022
    Great Online Banking Experience

    Great banking app. I travel weekly and the Mastercard debit card works beautifully. No international fees. I'm very happy to be with SoFi.

    ...

  • author
    dkirk
    Sep 16, 2022
    Fast and easy!

    Fast an easy loan to pay off cards and remodel bathroom! Also the interest rate is great!

    ...

  • author
    Wayne
    Sep 16, 2022
    I was needing to consolidate my debtt…

    I was needing to consolidate my debt and Sofi made itquick and easy. I actually had my loan approved and money in my checking account within 5 hours!! Definitely recommend!

    ...

  • author
    Garrett
    Sep 16, 2022
    Fast

    Fast, easy and trustworthy

    ...

  • author
    Nancy Micheletti Kiss
    Sep 15, 2022
    No hassle

    They were hassle free and quick.

    ...

  • author
    Mario Lopez
    Sep 15, 2022
    This was my first time using an online service like this…

    This was my first time using a service like this and I am really impressed with the prompt response I had from the company and how easy it was to finish paperwork and get my loan.

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  • author
    Bigdog
    Sep 15, 2022
    Very easy to complete the application…

    Very easy to complete the application in the interest rate are reasonable

    ...

  • author
    Keisha Pinnock
    Sep 15, 2022
    Excellent service and top of the line…

    Excellent service and top of the line for all things banking retirement and loans… my experience was seemless!

    ...

  • author
    Tamra
    Sep 15, 2022
    Debt consolidated loan

    SoFi was very quick at getting me qualified and the funds to my account. They are great to work with and I would recommend them, the only thing I would like to see change is the interest rate as it's really high, even with great credit.

    ...

  • author
    Daryl Taylor
    Sep 15, 2022
    Not just a commercial!

    Simple. More than two clicks or more than 30 seconds is more life-force than I can afford. SoFi made it exactly 2 clicks and 30 seconds...

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  • author
    Ann-Marie
    Sep 15, 2022
    The process of obtaining a loan was…

    The process of obtaining a loan was quick and easy. I love the prompt communication a d turnaround time to receiving the loan.

    ...

  • author
    BusyBee
    Sep 15, 2022
    It was so easy to consolidate my credit card debt

    It was so easy to consolidate my credit card balances at a low fixed rate to knock them out in a shorter period. Everything was done online quickly and efficiently. Will definitely use SoFi in the future.

    ...

  • author
    James Vernon
    Sep 15, 2022
    My experience

    Filling app out was easy, had answer back in about 10 minutes!!! Funded my loan in a couple of days....easy peasy!!!!!

    ...

  • author
    Dawn Meehan
    Sep 15, 2022
    This was the easiest loan process I…

    This was the easiest loan process I have ever had. Everything was electronic and so simple to do.

    ...

  • author
    Mark
    Sep 15, 2022
    Easy to set up

    Easy to set up. The approval process was painless.

    ...

  • author
    George Howard McPhatter
    Sep 15, 2022
    My SoFi Experience!

    I began my relationship with SoFi by opening a savings account in 2019. After that, I applied for a credit card in June of 2021 and was approved. In August of 2022, I applied for and was approved for not only a personal loan, but also a refinance and consolidation of my private loans. SoFi has been extremely instrumental in assisting me to get my financial house in order, for which I am eternally grateful! Thank you SoFi!

    ...

  • author
    walter alfaro
    Sep 15, 2022
    SOFI # 1 Period .

    SOFI # 1 Period . I got my loans just with sofi why? Faster ,excellent webpage , easy to navegate ,Excellent Rates , Fluid communication online , They have everything , again believe me I got offers to many offers but I know they are fishing , with SOFI everything is clear and faster. I RECOMMEND 100% I am a Entrepenur again THANK YOU GUYS YOU ARE MAKING A WONDERFUL JOB.

    ...

  • author
    Valerieh
    Sep 15, 2022
    Getting a personal loan through SoFi…

    Getting a personal loan through SoFi was easiest ever.

    ...

  • author
    Sharon McDonald
    Sep 15, 2022
    The whole process was very good

    The whole process was very good. Nothing difficult. Everything was completed on line. I would recommend Sofi any time.

    ...

  • author
    John DeVore
    Sep 15, 2022
    HomeRun!!!!!

    From the no-hassle application to the approval process, it was a delight and I am grateful for the experience SoFi provided. Oh, did I say the no-hassle application........?

    ...

  • author
    Church of the Messiah
    Sep 15, 2022
    SoFi... You can trust them.

    I trust SoFi lending products. Have requested loans and have never been disappointed. I trust them and I am considering moving all my finances and financial transaction to SoFi. The smartphone application is amazing.

    ...

  • author
    KELVIN BALRAM
    Sep 15, 2022
    Was pre approved with you for a loan

    Was pre approved with you for a loan, sent in all paperwork with excepting of paystub, got injured and am on temporary disability. Am getting insurance payments of $4000.00 a month and you all needed to get info from my employer which I authorized but you all could not reach. I work for UPS for 25 years now. Had a loan with you all and was paid off couple years ago!!! Very upset

    ...

  • author
    Armstrong
    Sep 15, 2022
    My experience

    I was totally amazed with SoFi. They were very helpful and caring. I would suggest that everyone give them a try. My loan was approved and completed in just a couple of days.

    ...

  • author
    Erick Barraza
    Sep 15, 2022
    Extremely fast and convenient.

    Extremely fast and convenient.

    ...

  • author
    GHASSAN
    Sep 15, 2022
    Great and professional

    Great and faster

    ...

  • author
    Yolanda Bell
    Sep 15, 2022
    The loan process was

    The loan process was, quick, easy, and painless. The reps were very patient respectful, and very willing to assist and Answer any questions I had. Very respectful of my time, thank you for a job well done.

    ...

  • author
    richard bolkan
    Sep 15, 2022
    LOAN APPLICATION

    My application went smooth within two weeks had money in the bank. I definitely would use SOFI if i ever need.

    ...

  • author
    Dev Begaye
    Sep 15, 2022
    I was initially skeptical

    I was initially skeptical, but found out that it's far more simpler than I thought. Selected a loan amount and terms then submitted the application. Supplied ID and current paystub. I was approved overnight and had the funds available within two days.

    ...

  • author
    Paul Gaglia
    Sep 15, 2022
    The process was extremely easy

    The process was extremely easy. It took about 10 minutes to 20 minutes to complete the process. I had an answer in 20 minutes after I sent in my application. I was approved! The distribution of funds was quick and simple. I highly recommend Sofi to everyone! They are the best.

    ...

  • author
    William Bennett
    Sep 15, 2022
    great experience quick and professional…

    great experience quick and professional results

    ...

  • author
    Dave R
    Sep 15, 2022
    Very streamlined process…

    Very streamlined process…. Impressed with how fast my personal loan was funded. Minimal paperwork . Everything done online, didn’t even have to speak to a representative. I’m sure excellent credit score helped.

    ...

  • author
    James E Tirres
    Sep 15, 2022
    Very professional and quick

    Very professional and quick

    ...

  • author
    Mike
    Sep 15, 2022
    Easy application

    Easy application, fast funding.

    ...

  • author
    Purmell DaCosta
    Sep 15, 2022
    Great App

    Great App with bunch of accessibility.

    ...

  • author
    Lys Chang
    Sep 15, 2022
    Very fast approval

    Very fast approval, and service. Opportunities to raise limit.

    ...

  • author
    Mark
    Sep 15, 2022
    Was looking to consolidate and SoFi was…

    Was looking to consolidate and SoFi was the only people that took me seriously. They gave me what I needed and now I’m grateful I chose them! Thanks…

    ...

  • author
    Freddy Robledo
    Sep 15, 2022
    Was looking to consolidate and pay down a loan

    Was looking to consolidate and pay down some personal loans and received an offer for lower rates on my Credit Karma account and was approved, the online application process was quick and no hassles and received an approval instantly. Overall very happy with their service they provided.

    ...

  • author
    mike
    Sep 15, 2022
    it took 4 days to get fully…

    it took 4 days to get fully funded...was faster than expected.

    ...

  • author
    Mike Loewer
    Sep 15, 2022
    Thankyou for giving me this loan to get…

    Thankyou for giving me this loan to get rid of my charge cards.Alot of other peope should do the same!

    ...

  • author
    Nick Cruz
    Sep 15, 2022
    Started with a simple personal loan

    Started with a simple personal loan. SoFi made everything so simple, I’ve moved over to using only SoFi to see all my accounts at once. Love them!

    ...

  • author
    KIRIS POWELL
    Sep 15, 2022
    My experience with the SoFi application…

    My experience with the SoFi application was extremely easy and painless! I had a response to my application within minutes, and received the funds into my account within days. I highly recommend working with SoFi.

    ...

  • author
    Daniel McLaughlin
    Sep 15, 2022
    Very easy to navigate the process

    Very easy to navigate the process. Everything was well written and made the process actually enjoyable.

    ...

  • author
    Preston
    Sep 15, 2022
    Website was a little difficult to…

    Website was a little difficult to navigate and time for review was much longer than I had anticipated.

    ...

  • author
    Lauren Vedros Jones
    Sep 15, 2022
    I make my payments regularly and have…

    I make my payments regularly and have never missed a payment. I was 2 days late (scheduled for my payday and in the grace period) but was called to "bring my account into good standing." Both ridiculous and insulting. Pay your people for something more useful.

    ...

  • author
    Denise Bridges
    Sep 15, 2022
    Easy to use and fast

    Easy to use and fast

    ...

  • author
    Dr. Amin Ramo
    Sep 15, 2022
    It was simple you asked for documents I…

    It was simple you asked for documents I sent You funded Thank you

    ...

  • author
    Darlene Nice
    Sep 15, 2022
    Help when you need it.Only needed a loan one other time in my…

    Only needed a loan one other time in my life to cover a new roof back in 2011. It was through a Credit Union and in no way easy to get through the red tape process. SoFi was gentle with me on the application process/computer fillings. They text me with constant support and the requested check arrived within 7 days. I STRONGLY RECOMMEND SoFi for providing safe, honest and professional help in securing a personal loan of any amount. Thanks

    ...

  • author
    Brian Hughes
    Sep 15, 2022
    SoFi I gave me a chance to get out of…

    SoFi I gave me a chance to get out of incredible high rate debt I will always always be thankful for SoFi loans.

    ...

  • author
    René
    Sep 15, 2022
    SoFi You Have Us Sold

    My wife and I are so grateful for approval on a personal loan. It was simplified and quick process. SoFi has so much more to offer products and services definitely ready to utilize. Thank you again SoFi.

    ...

  • author
    Melanie
    Sep 15, 2022
    My payment did not go through and I was…

    My payment did not go through and I was only told by Sofi 5 days later. This is something that we should be notified about ASAP.

    ...

  • author
    clzurga
    Sep 15, 2022
    The fastest and easiest loan…

    The fastest and easiest loan transaction I’ve ever done! The website was easy to navigate, I was able to compare different loan products, and the approval process was seamless.

    ...

  • author
    Rob Lerch
    Sep 15, 2022
    Best loan experience ever

    I am still amazed at the quick and easy process. I am in finance industry myself and this was the best experience I have ever had. Approval in minutes! Funding in hours.

    ...

  • author
    Ronald A. Lee
    Sep 21, 2022
    Customer dissatisfaction part 2

    As a former customer of So Fi who paid off my loan, I applied for a new loan. I completed the required on-line application and was approved for a new loan. "After approval" So Fi requested more personal documents that was not indicated during the process. I called customer service and the agent said that my previous loan was not included in my loan assessment and I needed to include a W2. I then asked him to cancel my request...and he complied. Response 09/20/22 At no time did Sofi indicate that my new loan application was conditional upon additional information nor did it state "pending" additional financial information. My information is in the company database and my fico score was updated. I am disappointed in the company response by inference that I did not read the information posted on-line.

    ...

  • author
    Cheryl Nichols
    Sep 15, 2022
    Great company to work with

    Checked out many different options but settled on this one and it was such an easy process

    ...

  • author
    Ramon
    Sep 15, 2022
    I was late on my credit card payment by…

    I was late on my credit card payment by one day. I couldn't use my card the next day. I called Sofi and told them I never got a statement. I was also charged $25 late fee. I paid double through my bank on Monday.

    ...

  • author
    Emma Adams
    Sep 15, 2022
    The entire process was delightful it…

    The entire process was delightful it was not drawn out and filled with a million hoops to jump through it was straight forward and short and I'm so happy that out of the choices I picked SoFi🥰

    ...

  • author
    Mike Bobal
    Sep 15, 2022
    It was a quick turn a round time

    It was a quick turn a round time. The closing went well and effortless. I had contacted my primary bank for the same loan. They requested additional information. I decided to try sofi and am glad I did.

    ...

  • author
    Teresa
    Sep 15, 2022
    SoFi was recommended by Credit Karma

    SoFi was recommended by Credit Karma. I liked the terms and applied for a debt consolidation. It was an easy process and approval was quick. Everything was done online and went completely smooth. I've set up auto deduct payments, so all I need to worry about is making sure the funding is there on the date. Thank you SoFi for such a positive experience!!

    ...

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