SoFi Review
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Reviews 9919 
Christine Neuhaus
Same Day Approval!!!
The application process was as easy as could be. I applied through Credit Karma, so I only had to verify my information and provide a pay stub and I applied and was approved within the same day. I had just been denied by Citi Bank where I have had an account for three years since they could not verify my address. This despite me faxing and mailing proof of my address and being a current customer. I did not have a relationship with SoFi prior to this but am very impressed with their application process and follow up.
JACQUELINE BROWN=
This is my second loan with SoFi
This is my second loan with SoFi. I submitted my application and was approved quickly. The funds were also available within a couple of days. The rate wasn't as high as I have seen with other companies. I would recommend SoFi.
Dorisc
My experience was easy quick to get the results and the money.
My experience with SoFi was easy quick to get the money to what i wanted it resolution for. Also if what you want it for consolation it was great they paid it and gave me a % off as well for then doing it and for automatic payments coming out your account. Which is great you never forget to pay or miss payments. It was a fast answer and you get results fast your money quickly as well. Everything was a great experience for me and a weight of my shoulders.🫶🏻
Theresa Valentino
Super easy
Super easy to apply and funding was fast.
Batu
For just online banking
For just online banking, cant ask for much more. But nice to have real branches at times too and they dont
Consumer
Great experience customer service was…
Great experience customer service was outstanding. The process was easy and kept you up to date on the process of the loan
Natasha Hoffman Hoffman
OkThe experience was easy but it’s stink…
The experience was easy but it’s stink they don’t give you more time before your loan payment start and on top charge a fee to get the loan.
JEBARAJ
i got the best rate from SOFi
i got the best rate from SOFi
Emmanuel Thomas
The application and approval process…
The application and approval process was completed in a timely manner.
gabriel garrido
Perfect
Easy to apply so low paperwork and money transfer really quick
Bob
I thought the experience was very good
I thought the experience was very good. I thought the customer representatives very helpful and I appreciate the streamline process. Good job.
Ronald Royce
Always a Great and Easy Experience…
Always a Great and Easy Experience dealing with SoFi. I enjoy All their Financial products.
Celena.
Great and very easy!
I applied for A loan and it was one of the easiest loan, the money was in my account in days.
Goody
Good service.
Good service.
Devonia Hilton
Great and easy experience
Great and easy experience. Definitely wil use them again.
Logan Janish
Here’s a realistic view of it it’s…
Here’s a realistic view of it it’s great for people who make less than 100k a year however if your self employed or need to cash checks consider another bank as a w2 worker with direct deposit it’s a good bank high apr decent customer service however after a certain point you will out grow it if you progress and start making more than 6 figures good for college students people with w2 jobs or those who make under 6 figures if this applies to you consider a physical bank capital one chase or a credit union
Cory
Always pay on time
Always pay on time
William Randall
Ease of getting loan approved.
Ease of getting loan approved.
jz
Deep Thoughts about Sofi
Sofi makes it easy to get a loan. The payment system is a bit convoluted and thier rates are a bit high.
CynD
Awesome experience!
My experience with SoFi was awesome! I was quite nervous since I had never done such a loan before, but SoFi made the process quick and easy! I applied on a Friday and the funds were in my account on Monday!
Dale McIntyre
Very easy process online
Very easy process online, money was in my bank in a day. Kept me informed on every step. Nothing but good things to day
Donald Brown, Jr.
Very easy to get through the process
Very easy to get through the process, and fast funding
Beverly
SoFi is there when you need them
I’m old school, and I appreciate actually talking to people i do business with - it is just more personal. All associates were courteous, knowledgeable and helpful throughout the loan process. The only problem I ran into was with the chat bots; there was a communication barrier that prevented the accurate transfer of information to the correct associates. All in all, though, the process went smoothly and I would recommend Sofii to anyone looking for a loan. The repayment terms are fair and automatic debit each month takes the worry out of staying up to date on the account.
Jonathan Lawson
The process was not difficult
The process was not difficult. I wanted to borrow a reasonable amount given my ability to pay, with reasonable terms and interest rate, and I got exactly that.
Stephanie Nelson
Very easy to get my 5 year debt free…
Very easy to get my 5 year debt free plan underway.
yessenia
Excellent service and faster i get my…
Excellent service and faster i get my money in two days.
Richard Black
Simplicity
Simplicity. The process and procedures could not have been easier. I was so impressed I opened a SoFi checking and savings account.
Brenda
It's was very easy to acquire a…
It's was very easy to acquire a personal loan. No hassle at all. I appreciate the convenience. Thank you so much.
Sandra Jarvis
The process was easy and took about 10…
The process was easy and took about 10 minutes.hte whole thing was simple
ignacio lebron
Excelente.
Excelente.
DENA D
great experience and easy to complete
great experience and easy to complete. received instant approval and was able to add the accounts needed to submit easily
Guadalupe Bernal
SoFi Review Bernal
It was easy to apply for a loan and SoFi response was quick, whether by email or on the app!
Vicki
It was an easy process
It was an easy process, and the money was deposited quickly.
Larry Dozier
It was fast and easy.
It was fast and easy I applied for the loan on Saturday. I was approved on Sunday. I got the funds on Tuesday. The representative walked me through every step with the application process. They kept me updated on my loan process. It was very professional. OUTSTANDING CUSTOMER SERVICE!
Jerome Mills
Everything went faster and more…
Everything went faster and more smoothly than I ever expected.
Stephanie Weaver
So easy and fast
So easy, great rate and funds were in my account the next morning.
SharonD
Process was simple and easy
Process was simple and easy to understand. The only issue I have is determining whether my direct deposit repayments were scheduled or not. Funds were deposited quickly. Haven't had to contact customer service so I can't rate that service.
Robert Lechlider
A very smooth process
A very smooth process. Easy to navigate
Tina
The loan process was quick and easy
The loan process was quick and easy. We applied on a Friday and our loan was in our bank account on Tuesday. Thank you SoFi!
Sheila Salter
It was easier than I thought
It was easier than I thought, the application online walks you through it. I was approved and within a day I had my money. Great service and process.
Patricia Reilly
The process was very easy and in days I…
The process was very easy and in days I had the funds in my bank account.
Y. Williams
Personal loan
It was very easy to apply. The process was smooth and quick. I would definitely recommend SoFi to everyone.
M. S.
SoFi came through when no one would help me
Lori Z. and Eric were phenomenal. I wanted a fixed rate second mortgage loan, but all other lenders only offered a variable rate Heloc or wanted me to roll over my first mortgage, which is at half the interest, into a new mortgage loan. SoFi was the only lender where I was able to find what I wanted. The only portion of the negotiation I balked at was the title company. The title company listed on my documentation had negative reviews and was a four hour drive away. One does not want a title issue where there could be filing recording errors. I found a local title company and Eric worked tirelessly to arrange the paperwork and fee changes. Another concern was them selling the loan to a sub prime company where I might have issues in locating the company online and physically making payments. With my excellent credit rating they stated my loan was unlikely to be sold, as I have a solid payment track record and have never been late with any payments in over thirty years on any account. While no one knows what the future holds; I hope I never have to deal with a payment issue. Thank you SoFi!
Lucille Arcouet
An EXCELLENT experience, so fast to get my loan!7/26/2025
Your website wss so easy to maneuver, I filed on a Saturday and the money wss in my account on Monday. A great experience. Highly recommended.
DSB
Ease of use
It was very easy to apply and be accepted. Autopay also makes it easy to keep up with payments.
Maria
Quick and Easy!
Quick and Easy! I wanted to consolidate all my credit card bills in one payment. Gave great rates and easy to apply and receive.
Estefania P
Quick and easy.
Quick and easy.
J L
It was painless and stress free
It was painless and stress free. You wouldn't think it would be that easy to request a loan and receive an answer fairly quickly. It literally took a couple of minutes. It took ME longer to chose from the various options and terms provided. It was awesome. Thank you. Once I'm done with this loan... Loan for a car! Thanks Sofi! Go Rams!
Valerie Shannon
Easy and straightforward
The application process was easy and straightforward. I received a response very quickly. The money was deposited within 24 hours. The interest rate was very reasonable and the payment plan is excellent.
Mikey
Can't fit my whole name
To get to the point, much of my frustration has to do with the fact that my legal name does not appear on my debit card. It was shortened to just my first initial + last name without any warning that it would appear this way. This has never happened in my 25 years of holding bank cards and credit cards in my full name. I chatted several customer service reps. One tried to argue what embossing meant. Their cards are not embossed. They're printed. Most tried to gaslight me into thinking my full name is over the 26 character limit and that this standard across all cards. My full legal first name + last name is 20 characters. If I even included my middle name, I'd still be at the 26 character limit. This is absolutely frustrating considering my full name is on my SoFi account profile. There is also a lot of visible space left on the debit card where my name is. There are other issues as I peel back the layers, like for some reason PayPal transactions only show up as "PayPal" which makes it more difficult to tell what I spent my money on. At first I was excited at the promise of sign on bonuses, high APY for both checking and savings, services such as checking, savings, investing all under one roof but the name thing is a terrible first impression and has me contemplating just closing my accounts.
Waleska Parrilla Haddock
Is the best help ever thanks to you…
Is the best help ever thanks to you guys I make a greats decisions
Ahmed Adam
The loan process was…
The loan process was exceptional—efficient, straightforward, and completed in a timely manner.
satisfaction
Simple
As advertised, would highly recommend
Rhonda Merchant
Getting a personal loan through SoFi…
Getting a personal loan through SoFi was super easy, fast and stress free! I highly recommend SoFi to anyone looking for a loan.
Bill
Easy
Alying for the loan was easy and funding was quick. Monthly payments were what the amount wanted not to exceed .
teri garcia
Best terms
Easy to apply and respond time was minimal. Mutiple financial option were available so I could pick and choose the terms I felt comfortable with. The terms were better than the credit card terms I was utilizing at the time.
Carlos A Amenero
That was an easy process
That was an easy process. Everything came true, according what they promise.
TANYA
Sofi Offers Great Loan Options
Sofi referred a loan to me knowing that I would be approved and I was. I appreciate them doing the "field work" for me.
Susana Maddox
Sofi
This company is outstanding in processing applications and funding a loan or it was my 800+ credit rating that led to such a flawless application. It took less than 30 minutes to create an account, apply and get funded. I could not find anything wrong with the transaction, no marketing calls either. Sofi wow me.
Timothy R McBride
Great Service
Great Service, good product.
customer
Easy Responsive Fast
Easy, responsive to my questions, fast turnaround once issues were resolved, speedy payout. I’m very pleased.
David Westerman
Very easy to apply
Very easy to apply. Fast approval and funding.
Susan Gillespie
Fast and easy!
Fast and easy!
David Ferguson
So easy and so fast
So easy and so fast. Embarrassing, at least for me to ask for a loan but Sofi made it painless. And it was fast. No complaints here. I'd do it again in a heartbeat.
Tammy Gallman
Sofi Loans Credit Card Consolidation EXCEL
My experiences with Sofi Loans was EXCELLENT!!! The process was very easy for me to submit and complete my request for credit card debt consolidations. At first, I was hesitant to apply for the loan because it seemed to good to be true. However, that was my experiences that it was "TRUE". I did online research of reviews from other people's experiences and everything worked out for me wherein I was able to consolidate my credit card debts into one affordable payment. It did not take long for the funds to appear in my account. The funds were available in my account within 48 hours. Sofi Loans EXCEEDED my expectations. I would encourage anyone looking for a solution for credit card debit consolidation to check out Sofi Loans. Thank you!!
Jonathan Macpherson
What a great loan experience
What a great loan experience! I highly recommend it! The process was clean and clear. No confusing process, no unanswered questions, and no waiting to hear the next step. I was really, really impressed!
Fade Professional Barbershop
The Ease of Applying for a personal…
The Ease of Applying for a personal loan was very easy. The customer service consultant was very professional and knowledgeable about what documents were needed to make the process easier to understand . Thanks!
Sandra Mendoza Ramos
The process was quick and easy!
The process was quick and easy!
Patricia Terrance
Fast, Easy, and Exactly What I Needed
SoFi made the loan process incredibly simple and efficient. I was approved quickly, handled everything online, and didn’t need to speak with anyone. The money was deposited into my account the next day and most of my debts were paid off automatically. For a couple accounts that weren’t eligible for direct payment, it was still easy to pay them off myself with the funds. The whole experience was smooth, fast, and stress-free. Highly recommend SoFi if you’re looking to consolidate debt or get a personal loan with no hassle.
customer
Fast and smooth
Fast and smooth
Ivan Romero
Easy to get a personal loan and great…
Easy to get a personal loan and great website
Tammy
The process was so easy
I needed to consolidate. I had an approval on 24 hours
JOSE CASTILLO
I was surprised at how fast and easy it…
I was surprised at how fast and easy it was
David Church
Fast and easy !
Fast and easy !
Roddrick Dunlap
Easy
Easy, fast and efficient process! Will definitely recommend and use again!
Maria Moss
Stress free application
First, the easy of the application. All the information and step by step procedures were user friendly. Quick response. Highly recommend this company.
Lisa Brazil
Easiest loan ever!!
Applying was an easy and aggravation free process. Approval was almost immediate. Funding was fast.
Joey Kolber
Good, Competitive Loan Offers, Poor Review Process and Unhelpful Customer Service
I have yet to get my loan, but they have been very slow to review my application and there should be no issue with me receiving my loan, as I have a decent credit score and a co-signer with an excellent credit score. I chose SoFi because of their positive reviews from others and them being consistently considered high as far as lenders go, but the slow pacing of the review process for the application has left a sour taste with me. Their customer service has been decent, but they provide zero info in communicating how the process is going, only continuously telling me that it's still in review and they will get to it at some point. This has provided zero time frame about when this will happen, so for all I know, it could be two months from now. Other than that, the application process was easy and the offerings have been pretty good, with decent APRs and payment terms that are manageable and affordable. Once I actually get the loan (whenever that is), I can hopefully amend the review to be more positive, but right now, I am not happy with how the application processing is going.
James Aldrich
Very easy to process
Very easy to process
Jeremy Bullard
The app is great, the spam sucks.
The app is great, the application process is great and everything about finding what you want and getting it is so hassle free except the overwhelming spam you have to put up with for the plus membership which isn't required and would be great if I happened to want to change banks and spend hours online to re-setup the dozens of payment accounts but as it is I don't have that kind of time and honestly, the membership fee is ridiculous. You don't get what you pay for.
Jakkar Ruus
Highly Recommend !!
I’m a good risk and they treated me as such with quick funding, lower interest rate and competitive options!!!
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