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SoFi Review

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Reviews 3,325

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Sally Herigstad
Sally Herigstad
Nov. 02, 20214 min read

SoFi summary

SoFi is an online student loan refinancing company, with over 375,000 members who have refinanced over $30 billion in student loans. SoFi offers approval within minutes and funding of your current loans within 7 to 15 days. Student loan refinancing is recommended for borrowers who qualify for lower interest by refinancing than on their current loans.

Pros

  • Fast, online loan approval and processing
  • Loan deferment options for borrowers in graduate school
  • Available in 50 states plus the District of Columbia
  • No application or origination fees, no prepayment penalties

Cons

  • Borrowers don’t qualify for federal loan benefits
  • Bar loans are not eligible for refinancing
SoFiat a glance
4.4

Editorial score

Online experience

Has learning resources, access to rates, mobile app

5.0

Customer services and support

Award winning

5.0

Repayment flexibility

Offers multiple repayment plans- but no special repayment programs

4.0

Loan Types Covered

Covers most student loan types

4.0

Eligibility

Doesn't cover bad credit, low income borrowers

4.0

SoFi SoFi View Rates

Suitable For?

SoFi loans are suitable for borrowers with higher interest student loans and with fair to excellent credit scores. Some borrowers with federally held loans may choose not to refinance in order to remain eligible for benefits applicable to federally held loans.

Loan Features

SoFi offers student loan refinancing with the following features:

  • Variable-rate APRs from 2.24% (with autopay)
  • Loans with minimum size of $5,000 and up (higher in some states)

The Application Process

Click “Find My Rate” on the SoFi website, answer a few questions, and have SoFi tell you if you’re qualified before you fill out a complete application.

SoFi shows you the rates and terms you can choose from. You can choose between a lower monthly payment, or paying off your loan faster and saving on total student loan interest.

You’ll upload screenshots of your information, and sign your paperwork electronically.

Within about 7 to 15 days, funding is sent to your current student loan servicer to pay off your loans. Your first loan payment on your SoFi loan is not due until 30 to 45 days after your previous loan is paid off.

Loan Eligibility Requirements

To qualify for a loan from SoFi, you must meet certain requirements, including:

  • Be employed, have sufficient other income, or have an offer to start work within the next 90 days
  • Have graduated with an associates degree or higher from a Title IV school
  • Be a U.S. citizen, permanent resident, or visa holder
  • Be age 18 or older
  • Meet underwriting standards, including financial history and credit score

If you don’t meet the employment, credit score, or U.S. citizen or residency status requirements, you may still qualify if you have a cosigner who meets these requirements.

Repayment Terms

SoFi offers loans with repayment terms of 5, 7, 10, 15, or 20 years. When considering your loan term choose the monthly payment you can afford that still helps you pay off your loan as soon as possible.

How Safe Is It?

Sofi maintains administrative, technical and physical safeguards to protect your personal information that you provide on their website. You use an encrypted password to access your account and help keep your information safe. 

Your information is stored on servers and in facilities that only selected SoFi personnel and contractors can see, and they encrypt all data you submit through the website using Transport Layer Security (TLS) to prevent unauthorized access.

Help & Support

For questions about student loan financing or help making your application, call 1-(855)-456-7634. Phone support is available Monday through Thursday from 5:00 AM to 7:00 PM PT, and Friday through Sunday from 5:00 AM to 5:00 PM. Or you can chat with Money Support online.

After your loan is complete, you can call SoFi’s servicing agent MOHELA at 1-(877)-292-7470 with any questions about your loan.

Summary

If you’re looking to refinance your student loans, SoFi could be a good place to start. You can apply for refinancing online and see the rates you qualify for in minutes. Within about 1-2weeks, SoFi can pay off your old student loans. You have at least 30 days after your old loans are paid off before you are required your first payment on your SoFi loan.

Physical Address

234 1st Street

San Francisco, CA 94105 

SoFi SoFi View Rates

Disclaimers

Fixed rates range from 3.99% APR to 8.24% APR with a 0.25% autopay discount. Variable rates from 2.24% APR to 7.99% APR with a 0.25% autopay discount. Unless required to be lower to comply with applicable law, Variable Interest rates on 5-, 7-, and 10-year terms are capped at 8.95% APR; 15- and 20-year terms are capped at 9.95% APR. Your actual rate will be within the range of rates listed above and will depend on the term you select, evaluation of your creditworthiness, income, presence of a co-signer and a variety of other factors. Lowest rates reserved for the most creditworthy borrowers. For the SoFi variable-rate product, the variable interest rate for a given month is derived by adding a margin to the 30-day average SOFR index, published two business days preceding such calendar month, rounded up to the nearest one hundredth of one percent (0.01% or 0.0001). APRs for variable-rate loans may increase after origination if the SOFR index increases. 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. This benefit will discontinue and be lost for periods in which you do not pay by automatic deduction from a savings or checking account. The benefit lowers your interest rate but does not change the amount of your monthly payment. This benefit is suspended during periods of deferment and forbearance. Autopay is not required to receive a loan from SoFi.

Sally Herigstad
Written bySally Herigstad

Sally has been writing about personal finance since 1998 and is the author of “Help! I Can’t Pay My Bills” (St. Martin’s Griffin). She is a licensed real estate broker in Washington state and a retired certified public accountant. She writes for BestMoney and enjoys helping readers make sense of the options on the market.‎

SoFi
SoFi
GreatReviews 3,325
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Trustpilot reviews

See what some costumers are saying about SoFi
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GreatReviews 3,325
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Excellent
76%
Great
7%
Average
3%
Poor
3%
Bad
11%
  • author
    Rene Stachelrodt
    a day ago
    There loan process was fast and problem…

    There loan process was fast and problem free. The best loan service I have dealt with!

    ...

  • author
    Wilson Tina
    Jan 01, 1970
    I was scammed. Refund was successful by Brandonlinton268 gmail com

    I was scammed. I’m thankful for my successful Refund by Brandonlinton268 gmail com

    ...

  • author
    Diane Laden
    Jan 01, 1970
    If I could give 0 I would

    If I could give 0 I would. This company doesn’t report to the credit bureau on time, then they use it against you by charging whatever interest they want based on your credit that they screw with! In addition I opened it with 0 interest rate and that lasted 1-2 months then they started charging high interest. I made 1400.00 in august in payments one being Sept 1st for my Sept bill due on the 27th for 400.00 it was a 44.00 payment. They tried to say my payment was late because I paid it the first and my bill came out the second. And think I’m gonna pay a late fee!…. Don’t hold your breath, I’ll take the hit before you ever get a late fee out of me. Since when is a billing cycle 26 days if I made a payment Sept 1st. Seriously messed up punishing me for making extra payments over 1000.00. If I see a late fee I will also deduct the interest charged seeing they are gonna mess up credit anyway! I don’t play with ridiculousness!

    ...

  • author
    Andrew Keaveney
    2 days ago
    Integrity missing here

    The company is in shambles when it comes to communication and organization. They ran a promotion offering a reward for opening up bank accounts with direct deposits, and then chose to tell me my direct deposits (which were much more than the required amount) "didn't qualify", a disqualification that was absurd and self-serving. When I asked for a transcript of our chat, the representative refused, ended the chat, and suddenly within seconds I found myself force-logged out of the system. Respect was lost after this. And when I tried to withdraw my investment, after waiting a week they "declined" to withdraw it. I was shocked. I had to repeat the whole process. They also have recently tried to merge banking with investing and credit cards and there are a lot of visible loose threads between the products, which kind of defeats the prospect of having a unified place for your money. Moving on to somewhere more established and with more integrity.

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  • author
    Tyler Statia
    Jan 01, 1970
    My honest review of the SoFi Mobile…

    My honest review of the SoFi Mobile checking account. Don't let them make a comparison to anything to Wells Fargo, Chase, BofA, Capone, etc. Stars -1/5 Pros: The Standard They at least offer tap-to-pay, on their debit cards, and it comes quick :)) But are still running on medieval ancient time technology. Their excuse will be, well "We don't have any branches." Be in for a ride. If you work, a Mon-Friday job & You get a check, You're going to be waiting for 7 days for this to clear. They will make you write on the check "For Mobile Deposit at SoFi only." Just like every other company you've been with before that makes your funds available in minutes or the worst one day. I had a certified check. (Funds are set aside which means another institution should 100% allow these funds in minutes.) 0% chance of scam. My funds have fully cleared. SoFi has received the money. The check cleared in the Automated Clearing House. WOO!!! Now my funds are waiting for 5 business days. 7 days in total. We're in 2022 now guys. And this is still going on? Online on the company website completely contradicts what is actually true from their reality. "Mobile deposits are made instantly available in Minutes." Why would anyone want to switch to SoFi if this isn't the case? Do you know what's actually so bad about this? Is I've waited 3 business days (5 days total) My CHECK CLEARED TODAY!!! But GUESS WHAT? They're making me wait 7 business days. I've made tons of transactions on this account, and my check was made out as a certified check completely legit. How many frustrated workers have to find this outcome payday, let alone the week after if they're hurting for funds, to figure out, oh wow a company is robbing me? That's not it though, wait. They only offer phone Support until 6 pm EST. (website says 24 hours) We're available 24 hours by phone. Why bother with this? And this isn't from experience, but if you look at all of their loan deals, they don't allow you to pay the principal. You have to pay the agreed interests, even if you're paying the complete full price. Stay away, very scam.

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  • author
    Christine
    Sep 25, 2022
    Debt consolidation loan

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

    ...

  • author
    Darrell
    Sep 24, 2022
    Blue eyes

    Fast decision no hassle when needed a loan

    ...

  • author
    Balthis
    Sep 23, 2022
    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.

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  • 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

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  • 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 .

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  • 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

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  • 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.

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  • 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.

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  • 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.

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  • 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 !

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  • 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

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  • 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!!

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  • 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.

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  • author
    Jose Arevalo
    Sep 16, 2022
    Peace of mind

    Easy to apply, fast and reliable.

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  • 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!

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  • author
    Melinda Kurth
    Sep 16, 2022
    Great

    Great! Quick and easy!

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  • 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.

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  • 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.

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  • 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 .

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  • 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.

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  • 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.

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  • 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.

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  • 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.

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  • 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!

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  • 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 .

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  • 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.

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

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

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  • author
    Kelley
    Sep 16, 2022
    Great lender!

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

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  • author
    Fernando Lopez
    Sep 16, 2022
    Perfect

    Everything was easy really smoth

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  • 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.

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  • 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.

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  • 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!

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  • 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!

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  • author
    Garrett
    Sep 16, 2022
    Fast

    Fast, easy and trustworthy

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  • author
    Nancy Micheletti Kiss
    Sep 15, 2022
    No hassle

    They were hassle free and quick.

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  • 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

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  • 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.

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  • 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.

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  • 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.

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  • 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!!!!!

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  • 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.

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  • author
    Mark
    Sep 15, 2022
    Easy to set up

    Easy to set up. The approval process was painless.

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  • 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!

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  • 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.

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

    Getting a personal loan through SoFi was easiest ever.

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  • 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.

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  • 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.

    ...

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