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SoFi Review

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Michael Dinich
Michael Dinich
Oct. 25, 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     SoFi View Rates

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%.

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.

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 View Rates

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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11%
  • author
    Jim
    17 hours ago
    I was extremely pleased with the rapid…

    I was extremely pleased with the rapid approval process! Thank you!

    ...

  • author
    C. Pagan
    a day ago
    Deceptive cash back program for debit card

    I find SoFi's Cash Back program for debit cards purchases to be deceiving. I will earn cash back by shopping at specific businesses, but a few days later SoFi will take back the money they deposited because my debit card is connected to another rewards program. They say the transaction is ineligible for cash back because I earned rewards at another program. SoFi's website, app, and help articles vaguely say that some purchases don't qualify, but they don't specifically say that you cannot have your card connected to another rewards program. I found out this information after I contacted customer service, who was also confused about why my cash back was rescinded and the rep had to ask a senior employee for help. I have asked to see the written terms, but no one can point me to anything that specifically mentions this type of ineligibility. If this is an established rule, then why isn't it listed? It is deceptive to encourage customers to go to certain businesses with the promise of cash back when you have all of these hidden conditions.

    ...

  • author
    Walter Brown
    a day ago
    Super fast and easy process

    I applied for a loan right before I was to get my first paycheck from new job. My application was put in on Monday and I had the money by Saturday. Very fast and efficient approval process. I would definitely recommend SoFi if you need a personal loan!

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  • author
    Peter
    a day ago
    Friendly and helpful customer service

    Friendly and helpful customer service! Easy process and great online communication!

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  • author
    james w wasnick
    a day ago
    Simple and straightforward for a…

    Simple and straightforward for a personal loan. Couldn’t ask for a better experience. Repeat customer and highly recommend to anyone.

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  • author
    Reginald Harris
    a day ago
    Life Changing Loans in Three Days!

    This company is great because they over-delivered in a big way. My loan was approved the same day instead of the possible 3 to 4 days, and the money was in all my accounts in two days over the holidays! Unheard of! The power of this tech is game-changing as it is free of any potential for bias in my opinion. Most importantly they offer great rates and incentives to improve the experience.

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  • author
    Corinna
    2 days ago
    So easy to work…

    So easy to work with and get a repayment plan that fits my needs and ability.

    ...

  • author
    Cheryl Kopoian
    2 days ago
    He was very helpful and made me understand what was going on

    When I made the call to confirm if all my paperwork went through, he was very clear and made sure all the paperwork was correct to help the loan move forward

    ...

  • author
    Kandi
    2 days ago
    Human experience

    I have been considering consolidating my credit card debt for a while. My experience with SoFi was very positive. I felt valued as a person and was impressed with the quick communication. I can see myself using their other services going forward including banking, student loan consolidation, and hopefully a mortgage in the future!

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  • author
    Patrick Reynolds
    2 days ago
    I called three days after I was suppose…

    I called three days after I was suppose to be funded for the loan. Each day, the associate would tell me it would take two to three days to get funded. I let them know that time frame had passed and they had no answer. Yet I was/am still being charged for the interest on the loan.

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  • author
    Karen
    2 days ago
    Process was easy

    Process was easy

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  • author
    Jeremy Langley
    2 days ago
    Loan application process is incredibly…

    Loan application process is incredibly easy. This is the second time I have used them for a loan and the experience was even better the second time around.

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  • author
    Joshua Hans
    2 days ago
    I'm sick of this company & their incompetence

    I'm honestly sick of this company. During the last few years I have had to deal with so many technical issues with my invest account and the experiences were terrible. It got to the point that i took all my money out and went elsewhere (webull, td ameritrade) . One time i couldn't see one of my securities for over a day in my account and I wanted to sell that day too for certain reasons. Now I have an issue where i can't use the app at all. It's just a blank blue screen every time i login. I've deleted cache files, reinstalled the app, made sure it was updated, I've tried everything....nothing works. I've talked to 3 managers now and have called repeatedly still to get no resolve. Your tech department is a total joke. You guys clearly don't care about customers and the time you steal from their lives having to call a bunch of incompetent people who loath their job. I officially hate this company. It's typical in this day & age, companies only care about money and not the actual customers that made them. What a joke, so many companies are a disgrace these days. Greed is destroying this country. Unless i get this issue fixed i will no longer use Sofi. I started putting money back into my accounts to give them another chance, but I'm starting to feel that was a huge mistake.

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  • author
    Lockup Lockup
    3 days ago
    You all was on point and not…

    You all was on point and not disappointed. Job Well Done.

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  • author
    Michael
    3 days ago
    Loan approval and receiving the funds…

    Loan approval and receiving the funds was quick.

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  • author
    Anmarie Mcgonagle
    4 days ago
    Easy application quick response

    Easy application quick response

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  • author
    Josh Callahan
    4 days ago
    Easy, simple, painless

    This was easy, simple, and painless!

    ...

  • author
    Thomas
    4 days ago
    Was fast but I think your rates are too…

    Was fast but I think your rates are too high for qualified and RETURNING customers.

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  • author
    Jennifer Warren
    4 days ago
    The whole process was so quick and I…

    The whole process was so quick and I was approved in just a few hours.

    ...

  • author
    Christene Martin
    4 days ago
    The process was clear and easy to…

    The process was clear and easy to follow. Allowed you to review several different options.

    ...

  • author
    Ken
    4 days ago
    Almost too simple to apply

    I applied for a personal loan with SoFi and the online application process couldn't be simpler. Being "pre-approved" on credit karma, I figured that maybe that was just hype. But I was approved ,literally, in one day! The application took less than 10 minutes. Money was in my account 2 days after I signed the agreement. My credit score is barely mid 700's

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  • author
    sherran Nutson
    Nov 23, 2022
    The process was easy and seamless

    The process was easy and seamless. Information was clear and easy to understand.

    ...

  • author
    Robert
    Nov 23, 2022
    Easy to apply Easy to Communicate up…

    Easy to apply Easy to Communicate up Front Just slow from Start to Finish I thought would be Faster but overall Great Service

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  • author
    Leah Tillman
    Nov 23, 2022
    Payments take longer than 5 days to be…

    Payments take longer than 5 days to be reflected on account.

    ...

  • author
    EWR
    Nov 23, 2022
    I could not be happier with this process!

    I needed a personal loan to purchase a vehicle for my son. The entire process with SoFi took less than 48 hours to complete. The interest rate was very fair and I am very happy I chose to do business with them.

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  • author
    Ramkumar viswanathan
    Nov 23, 2022
    easy tracking..

    easy tracking... fast processing.. all done through online.

    ...

  • author
    Delmy Escobar
    Nov 23, 2022
    Loan process

    Getting the loan was absolutely easy and it helped me consolidate some debt.

    ...

  • author
    Mike Holderbaum
    Nov 23, 2022
    They're the best to work with

    The easiest people to work with help me all the way through step by step with way above Beyond to fund my loan I would do it again in a heartbeat everybody that I talk to was very professional and very nice

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  • author
    Ahmad Mokhtee
    Nov 23, 2022
    The staff was extremely helpful over Excellent customer service

    The staff was extremely helpful over the phone to explain the loan process.

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  • author
    Scott Mayer
    Nov 23, 2022
    SOFI is there for you

    The whole process was managed very well. This made it easy for us to decide to go with SOFI and to work our way through the process. Would highly recommend them.

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  • author
    Francine Young Triplett
    Nov 22, 2022
    In need of some home repairs…

    We were in need of some home repairs but needed a little more money than what we had. I decided to do a Personal Loan with Sofi. The process was quick and easy and within the next day, the monies was in my account. Experince was AWESOME!!!

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  • author
    Doug Wilder
    Nov 22, 2022
    1st off the process was simple

    1st off the process was simple, and the amount of time from application to bank deposit was 3 days, 2 of which were the weekend. I did a chat with a couple questions and was promptly given concise answers. Service level has been VERY Good, I received a good rate and terms and with a zero fee to get started, SoFi was by far the best answer to my need.

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  • author
    Dave Radford
    Nov 22, 2022
    easy step by step application with…

    easy step by step application with completion the same day

    ...

  • author
    Claudet
    Nov 22, 2022
    At SoFi the workers are very…

    At SoFi the workers are very professional and loving. They let you feel confident in your self and you get your loan within couple of days. I would recommend anyone to SoFi.

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  • author
    Don Dettlinger
    Nov 22, 2022
    Very streamlined and simple steps to…

    Very streamlined and simple steps to follow, absolutely painless.

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  • author
    jimmy gonzalez
    Nov 22, 2022
    Literally easy as pie

    Pleasantly surprised You are guided through the process every step of the way. Just as advertised! Very quick process!

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  • author
    Laura Binder Hughes
    Nov 22, 2022
    It is so easy and non judgemental.

    It is so easy and non judgemental.

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  • author
    cus Malisia Wright
    Nov 22, 2022
    Easy processing

    Easy processing. Not so happy about the rate, but I will work it out.

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  • author
    lynn holyfield
    Nov 22, 2022
    First time using SoFi but the loan…

    First time using SoFi but the loan process was quick and easy and loan was funded the same day I applied. Very satisfied customer!!

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  • author
    relbianco
    Nov 22, 2022
    Ease of applying for a loan

    Ease of applying for a loan

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  • author
    Samantha Twumasi
    Nov 22, 2022
    The swift response as well as easy…

    The swift response as well as easy process . I had money in my account fast. I also like the extra security features and that me relax knowing I’m in good hands

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  • author
    Gina Goodridge
    Nov 22, 2022
    Fast

    Fast, easy, hassle free loan. Thank you SoFi!

    ...

  • author
    Susan Clayton
    Nov 22, 2022
    Super Easy

    It was fast, easy and very professional.

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  • author
    Christa B
    Nov 22, 2022
    An Easy Experience

    The process was easy to understand. My options were laid out very clearly. Every step of the application moved smoothly into the next part, and it was very fast. I applied on a Sunday evening and was funded on Monday evening.

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  • author
    Pablo Negrete
    Nov 22, 2022
    We love how easy to complete the loan love how easy the entire process was…

    We love how easy the entire process was to complete the loan. We are now on path to pay it early but still process was very easily completed

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  • author
    RMG
    Nov 22, 2022
    Great source for personal loan with limited hassle

    Very easy format for applying and providing required documents to support the application for personal loan. Very helpful and professional support staff.

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  • author
    Daniel Medley
    Nov 22, 2022
    The whole process was easy and…

    The whole process was easy and convenient!

    ...

  • author
    Martin Angie de Castro
    Nov 22, 2022
    Approval of a loan is so quick

    Approval of a loan is so quick

    ...

  • author
    Denise Foley
    Nov 22, 2022
    Easy on fast online application.

    Easy on fast online application.

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  • author
    Mark Deacon
    Nov 22, 2022
    So far the process has been smooth and…

    So far the process has been smooth and easy to navigate.

    ...

  • author
    Lisa Makowelski
    Nov 22, 2022
    This is the second time I have chosen…

    This is the second time I have chosen SoFi. The process is quick and easy.

    ...

  • author
    Jazmin Flores
    Nov 22, 2022
    Excellent company they really help me

    Excellent company they really help me, great rate and flexibles payments

    ...

  • author
    Shawn Cummings
    Nov 22, 2022
    Awesome

    Awesome Awesome

    ...

  • author
    Barbara Robins
    Nov 22, 2022
    Superb Customer Service

    My experience was great. The representative was knowledgeable, amiable and patient. In addition he made sure I understood the transaction that I had initiated. My queries were resolved with efficiency!

    ...

  • author
    Cor Mor
    Nov 22, 2022
    SoFi Experience

    Precise, customer oriented & quick

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  • author
    Mark Tiller
    Nov 21, 2022
    The process was quick and easy

    The process was quick and easy

    ...

  • author
    Paul Thulin
    Nov 21, 2022
    Over 45 days and still are Sofi is…

    Over 45 days and still are Sofi is still asking for the same K1 information that I uploaded 4 times. Their analysts don't know that a Schedule C of Ownership shows percentage of ownership not a Business K1. Time to go to a remedial tax return class 101. Plus your website shows an entire section devoted to the Better Business Bureau. Interesting! Sofi is not a listed member. Great way to dodge consumer complaints like this!!

    ...

  • author
    Aubrey Kim
    Nov 21, 2022
    Quick response and follow up, with some flaws

    Quick response and follow up - Joseph was very confused with my direct answer and follow up as if my response wasn’t expected. I asked him to call me back in 15 minutes and he acted like that was acceptable. I was getting a quick medical procedure. The next time he called me he wasn’t updated on what I had done as to the respect of me uploading appropriate documents. If anything deviated from the script, he was unable to proceed.

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  • author
    Jeanne D'arc Uwitije
    Nov 20, 2022
    With sofi

    With sofi, it was so easy and faster to get approval and funds were given the next day.

    ...

  • author
    Marlen Ledbetter
    Nov 20, 2022
    Received excellent customer service from SOFI

    Obtaining a SOFI loan was very fast and secured. I received excellent customer service and a good deal on the loan.

    ...

  • author
    Barry
    Nov 19, 2022
    Very easy process

    Very easy process, received a quick response on my loan request

    ...

  • author
    Ileana
    Nov 19, 2022
    Nick was knowledgeable and friendly

    Nick was knowledgeable and friendly. He helped me go through my options in a matter of seconds! The process was quicker than going the route with a HELOC and no hassle to get the house ready for inspection while working on projects around it. Money was on its way to my bank account as soon as I got approved. Thank you for your help and time.

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  • author
    Nose To Nose Flyball
    Nov 19, 2022
    Very easy to complete the process

    Very easy to complete the process

    ...

  • author
    Steve Clemensen
    Nov 19, 2022
    Excellent and thorough customer experience.

    Very easy experience from begging to end. Once I was approved, the funds were in my account the next day. No wondering where things stood for too long. Communication was often and thorough. Excellent experience so far.

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  • author
    Be
    Nov 19, 2022
    No need for a brick and mortar bank… Go with SoFi!

    I got my first loan with SoFi back in 2016. Since that time I have refinanced to a lower rate, and have refinanced my student loans. With this loan, I have now opened a checking and a savings account. I can’t say enough good things about SoFi! in the world we live in today there’s no need to have a brick and mortar bank and SoFi is the perfect alternative to that!

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  • author
    Susan Martin
    Nov 19, 2022
    Easy and quick

    Website ease of use, secure transaction and prompt responses throughout the process!

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  • author
    Frank Pemberton
    Nov 19, 2022
    Fast service and fast deposit of funds!

    Fast service and fast deposit of funds!

    ...

  • author
    Martinique Mickal
    Nov 19, 2022
    Sofi credit card loan

    It was a very easy application process. They are quick and my money was deposited in my bank within 48 hours of applying. I like the fact that you can pay back before the allotted time without penalty. Everything is easy to understand and great customer service.

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  • author
    Virginia Rainbow
    Nov 19, 2022
    Impressively easy…

    Easy to understand, fast through each step, but allowed me time between steps to review what I was doing without pressure …. So I could think.

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  • author
    Justo Montero
    Nov 19, 2022
    the website made everything easy

    the website made everything easy

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  • author
    Karen Francis
    Nov 19, 2022
    Very smooth and easy process!

    Very smooth and easy process!

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  • author
    Alicia Mestas
    Nov 19, 2022
    The Representative was a pleasure to work with

    The Representative was a pleasure to work with on my loan. He was pleasant and very helpful and answered all my questions.

    ...

  • author
    Jenn A
    Nov 19, 2022
    Seamless process!

    The application process was smooth and easy! We received our loan money within 48 hours. Amazing!

    ...

  • author
    Charles
    Nov 19, 2022
    Convenient

    Convenient, helpful, effortless. Exactly how it should be

    ...

  • author
    Tracy
    Nov 19, 2022
    quick and easy

    quick and easy

    ...

  • author
    Crystal Skinner
    Nov 18, 2022
    The process was uper easy

    The process was uper easy. It was not stressful and no pressure. I am very happy with my decision for a loan and glad SoFi found me.

    ...

  • author
    Cliff
    Nov 18, 2022
    I found the process to be fast, fair and easy

    I found the process to be fast, fair and easy

    ...

  • author
    Constance Logan
    Nov 18, 2022
    Consolidation loan

    Timeliness of review and approval. Consolidation loan resulted in savings of $$$. Sofi is the best!

    ...

  • author
    K Baldwin
    Nov 18, 2022
    Don't die with Sofi

    Do you love your family? Then Sofi is not the bank for you. I'm dealing with closing an account for a deceased relative and they have been the worst financial institution that I've dealt with. When I call customer service, the reps don't seem to know what to do. They don't know what an estate department is, they transfer me to multiple people (and 75% they disconnect me), I've had to send the legal paperwork in multiple times to multiple people, and after I send in the paperwork, they don't respond to emails and won't give me a number to call them back. All their reps say is it is processing and they don't have a timeline (it's been almost two months). If you are over 50, have any major medical issues, or just love your family then I would not recommend Sofi.

    ...

  • author
    Evan P
    Nov 18, 2022
    Fast, efficient and effective funding

    I responded to a pre-screened offer from SoFi, and they provided funding within 36 hours. No hassles. Great experience!

    ...

  • author
    Paul
    Nov 18, 2022
    The process was quick

    The process was quick, simple, easy and efficient.

    ...

  • author
    RR
    Nov 18, 2022
    Easy automated process

    Ease of application and closing

    ...

  • author
    Alfred Rappazzo
    Nov 18, 2022
    We have our school loan with SoFi and…

    We have our school loan with SoFi and decided to get a personal loan with them and wow both experiences were amazing

    ...

  • author
    Roy
    Nov 18, 2022
    Great Experience with SoFi

    The application and approval process was very fast and efficient again as this is my second time applying through SoFi, possibly because all the right conditions were met. Just like the first time, it took less than 24 hours to go through the entire process. My application was approved very quickly.And I did it mostly just through the app too, which was very convenient. Customer Service was excellent as well. The only time I had to speak to someone was to confirm my information. I just had a couple quick questions. The Representative was nice, courteous, and knowledgeable. Overall, I’m very happy with the level of service that SoFi offered to me for a second time. It was a very pleasant experience just like the first. By far, they’re one of a very few great financial institutions out there. Highly recommended!

    ...

  • author
    SABRINA GOLSON
    Nov 18, 2022
    Quick and easy process

    The application and approval process was easy and processed quickly. I was updated throughout the process. I would highly recommend their services.

    ...

  • author
    Esther Moniba
    Nov 18, 2022
    I was able to speak to someone who had the answer to my many question

    I was able to speak to someone who answered my question upfront.

    ...

  • author
    Shelton Strawder
    Nov 18, 2022
    SOFI is so amazing

    The process was easy they didn’t make it difficult at all I look forward to building a long relationship with them 😊

    ...

  • author
    Jean Mandell
    Nov 17, 2022
    Don't refinance with sofi..you will…

    Don't refinance with sofi..you will lose protections that a federal loan provides. I have stage 4 pancreatic cancer and i am receiving SSDI. If my loan was a federal loan it woumd be excused...since i refinanced with sofi and Mohelha i am not eligible. Additionally, they bait you with liw interest and at the last minute interest is higher..STAY AWAY FROM THIS COMPANY

    ...

  • author
    Danielle
    Nov 17, 2022
    FALSE $300 REFERRAL BONUS

    I referred a friend for the $300 referral bonus in May and after we both met the ever changing requirements to receive this bonus, my friend spoke with a manager today 11/17 that said we were denied the bonus back in August because we did not meet the qualifications. When in fact we met ALL qualifications that were communicated to us the day they were communicated. Neither myself or my friend ever received any communication throughout the entire process or notification that we were denied and we could not challenge it because we found out we were denied too late and terms had lapsed...so we were told. The supervisor was rude to the customer and said she could not provide the transcript she was reading off of after my friend said that did not align with the conversations she remembers having with the online representative. So apparently Sofi keeps ZERO record of their communications. Sofi is a sketchy company that uses false referral programs to pull more people into their unorganized business. I will never recommend this company to another person and will in fact tell people to avoid this company at all cost.

    ...

  • author
    Roman
    Nov 17, 2022
    Full of server errors

    Full of server errors. Took two days for my debit card to work. And direct deposit. Is the worst. Don't bank here. Customer service is a joke no one can tell you where your direct deposit is. Was told they don't hold any funds And they can't trace it. But on there site if you search for it. it say when signing up for direct deposit you may have to wait up to 4 weeks for your deposit to post. A prepaid card would post faster.

    ...

  • author
    Traci
    Nov 17, 2022
    The application process was fast and…

    The application process was fast and easy! I received my loan amount within two days. SoFi has given me peace of mind.

    ...

  • author
    Guest
    Nov 17, 2022
    SoFi is quick and reliable

    Before I applied for a personal loan with SoFi I had applied at another company...I was approved right away but they didn't follow through on anything...after 2 weeks of waiting I had to call to even get someone to start processing it...multiple phone calls to supposedly set up this this verification that they had to initiate...but nobody ever called me back!! At SoFi I applied on a Friday and had the money in my bank by Tuesday!! Thank you SoFi!!

    ...

  • author
    Trevor Steer
    Nov 17, 2022
    Fast and Easy Process to apply for…

    Fast and Easy Process to apply for Personal Loan

    ...

  • author
    Chris Rocheford
    Nov 17, 2022
    The app never seemed to work or load…

    The app never seemed to work or load and neither did the website, I spent 2 days trying to move up in steps to complete the application for my personal loan, it was a long and painful process

    ...

  • author
    Dean
    Nov 17, 2022
    Super experience

    Super experience, even with SoFi having a major site crash that morning. Once they recovered, I finished my application, was approved in a few minutes, and the money was actually in my account by early evening. Super quick and efficient.

    ...

  • author
    kelly kaimana
    Nov 17, 2022
    Was quick & easy process

    Was quick & easy process. Customer service is great!

    ...

  • author
    Tinkie
    Nov 17, 2022
    Easy application process

    Easy application process. Fast efficient service. Easy payment process.

    ...

  • author
    J Rod
    Nov 17, 2022
    Easy process

    Easy application, competitive rates, and quick approval process.

    ...

  • author
    Rick Herget
    Nov 17, 2022
    Fast

    I am in awe of how fast and simple the process was!

    ...

  • author
    Louied Lagunay
    Nov 17, 2022
    Fast transaction

    Very fast transaction. Helpful support

    ...

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