SoFi Review
Find a customized quote easily
Reviews 10252 
Jim
User friendly application process
User friendly application process, excellent communication.
Gina Shakir
The process was comprehensive and…
The process was comprehensive and seamless, and funding was super fast! SoFi is among the best!
Julian Burke
Very Easy Process
It was very easy to apply and the payment options were great!
Traveler
quick and easy
quick and easy
Brenda
Excellent Experience
Easy and super-fast turnaround time from applying to funding.
Ruben
This was a very easy and quick process
This was a very easy and quick process. It took a couple days, only because I feel short. This is a great company with reasonable rates.
FRANK WELCH
I got a home equity loan with Sofi
I got a home equity loan with Sofi. Everything was done on the web portal, easy and efficient. I got the interest and fee rate I was looking for. The service was great, from the start of my engagement til the end. My service agents were Eva Gomez, Diana Retzer and Rico Beauford, they all did a great job.
Edward S
Self-Employed IT Pro: Beat Navy Fed rates + NO origination fees like Best Egg and Upgrade charge!
Honestly, being self-employed usually makes getting a loan a nightmare of paperwork, even with a 787 FICO. SoFi was completely different. I've seen a lot of negative reviews on here, but digging deeper, most seem to stem from their crypto and deposit accounts. I don't use those products. Speaking strictly for the lending side, this was flawless. I decided to use their option to automatically link my bank account for verification, and I highly recommend you do the same if you want speed. It streamlined the whole process—I was instantly approved for more than I actually requested. Avoiding the need to upload voided checks or any of that mess. Full disclosure: I do have numerous personal loan payoffs on my record from over the years, which definitely likely helped the approval algorithm move fast. But the experience was still seamless compared to others. The financials were the real win, though: Rates: They beat Navy Federal (which is hard to do). Fees: Unlike Best Egg and Upgrade, SoFi has no origination fees. I didn't have to lose a percentage of my loan just to get funded. Though I could have opted to pay an origination fee to get access to their lowest rate, 8.74. But I chose not to as it wouldn't have made a large enough effect to warrant the loss of funds upfront. Heads-up for S Corp owners: SoFi strictly does personal loans. They do not fund businesses directly. If you need capital specifically for your S Corp, they will just refer you to financial partners. Stick to personal use for this one. If you're a contractor or self-employed looking for personal funding, just link your account and go. Easiest lending experience I've ever had online. I also like the fact that you have a very strong approval with their pre approval tool, so long as your numbers match or exceed on your application, it's as close to guaranteed as you can get. But avoid the mail offers as those are not based on the latest review of your credit reports and SoFi will likely pull from 2 or 3 of your reports.
Patricia
I had a great experience with my recent…
I had a great experience with my recent loan. The application process was smooth and straightforward, and I received a response much quicker than I expected. Everything was handled efficiently, and I’m very pleased with how simple the entire process was. I would definitely recommend their services to anyone looking for a reliable and responsive lender.
Kelsey Bourgeois
Very fast response and approval.
Very fast response and approval.
Keith Evans
Amazing ease of application and…
Amazing ease of application and approval process.
Natalia Patterson
Great experience with SoFi for financing
I recently used SoFi for financing, and I couldn’t be happier with the process. From the very beginning, everything felt simple and stress-free: Quick and Easy Application: The online application was straightforward, and I received approval almost instantly. It was such a relief not to deal with long wait times or complicated paperwork. Clear Terms & No Surprises: One thing I really appreciated was the transparency—no hidden fees and no prepayment penalties. It gave me peace of mind knowing exactly what I was signing up for. Competitive Rates & Helpful Discounts: The rates were very competitive, and I was able to take advantage of an autopay discount, which made my monthly payments even more manageable. Extra Perks: Beyond the loan itself, SoFi offers great member benefits like financial planning tools and career resources. It feels like they genuinely care about helping you succeed financially, not just lending money. Smooth Digital Experience: Managing everything through their app has been effortless. I can track my loan, make payments, and explore other tools without any hassle. Overall, SoFi made what could have been a stressful process feel easy and empowering. If you’re looking for financing that combines speed, transparency, and extra benefits, I highly recommend giving them a try.
Tena Brown
It was fast and easy :)
It was fast and easy :)
Kurt Bauman
SoFi made my experience easier than any other bank I’ve dealt with in the past
The system that you have in place makes it quick and easy, regardless of acceptance or rejection of your loan application. That’s what I like the most about SoFi.
Timothy Watkins
Great responce
Great responce
Blanche
Quick
The process was very easy and quick. The experience was very pleasant. I do recommend So fi.
Dusty Leeming
The process was super easy and quick
The process was super easy and quick. The decision was fast with a great rate too. Upon approval I had my funds the next day. Highly recommend.
customer
Very quick and easy!
Very quick and easy!
Brianne Denofio
Saved me financially
Was a victim of government shut down. Couldn’t apply for unemployment because we still needed to work a 10 hour day without being paid. If we refused, we’d be fired. I am a single parent and have a child and decided that any job is better than no job and in this market/economy, no job is very likely. Sofi really helped save me financially. I’ll be able to afford a Thanksgiving dinner. And I’ll be able to afford presents for Christmas. And the interest rate to pay it back is low. Thank you so much to Sofi!
Jeff
Very easy and achievable process
Very easy and achievable process. SoFi made it possible for me to pay most of my debt off other than my mortgage and RV everything else paid off. Good rates and payoff timelines. I’m grateful to this company for making it possible. 10 out of 10 here.
Juan Alvarado
SOFI
SOFI , It is not just a Arena also a great place to bank with .
Rod Gipson
Very fast and thorough service
Very fast and thorough service; very much appreciated. my only issue is my interest rate...hoping it can be lowered at some point during my loan and lowering the payment
Happy Shopper
Simple with lots of options
Great company, simple, easy process, lots of options for rates and repayment terms.
Joy Despino
I’ve been with them for a long time and…
I’ve been with them for a long time and have great success
Naomi Dean
Very easy process
Very easy process
Thomas Marrone
Rapid efficient process = satisfied customer
I was able to apply, receive approval and get funded with a minimum of effort and in just a couple of days.
Katrina C.
Sofi made the process easy
Sofi made the process easy. I applied then called and approved within 24-248hrs. My check was deposited within 3 days. Customer service is awesome as well. Thanks, Sofi, for your help right on time!
Javier Rivera
Smooth and easy Process
Very impressed with process,never would have thought that the process to obtain a loan would be this smooth and easy.
Sam
Great customer service
Very easy process and quick turnaround
Lynda Holden
Everything was seamless
Everything was seamless, I really appreciated how quickly the process was.
Elaine G
My loan experience
It was easy to apply for my loan
Earl
SoFi Loan Process
The entire loan process was very fast. The instructions were easy to understand and the funding was completed quickly. This was, by far, the easiest loan application that I've ever experienced!
Calvin Gilreath
Very Easy Process
This was a very easy process to apply for a personal loan. The web site was very user friendly and the payment was fast.
Shane Downs
Easy process and quick turn around of…
Easy process and quick turn around of funds disbursement.
Rodney
SoFi came through when I needed it the most!
SoFi came through when I needed it the most. My major credit card debt is eliminated, and the payback is financially palatable.
John Sexton
SoFi offer through Experian
I got an offer through experian and decided to do some research on the company. I made a call to SoFi, they answered all of my questions. Afterwards, I applied for a personal loan. I was approved the same day and the next morning the loan was deposited into my bank account. Fast and easy. I am completely satisfied with the process.
Roger Gonzalez
The process was simple to complete.
The process was simple to complete.
Debbie
Sofi was able to help me get back on…
Sofi was able to help me get back on track after 2 years of financial difficulties. I am happy they trusted me and was able to help. I am referring Sofi to all my family and friends
April Pfeiffer
SoFi is easy to work.
SoFi is easy to work with and the banking system is easy and manageable . There are lots of opportunities to make change in how you manage your money and I would choose SoFi every time.
Phil
This was one of the most simple loan…
This was one of the most simple loan applications I’ve ever done. After some basic minimum personal information and a few questions it was completed in less than 15 minutes. And funded within 24 hours . This SoFi process really made me think these guys have this thing down and got it together. Great job! Thanks
Dagne Abraham
Simple as 1,2,3…
SoFi was very easy process and time saver. I would spend more time at bank to Apply for loan,however I find SoFi more helpful and lower APR and fast. I got the funds in 12 hours which I was surprised and very helped me to paid off my credit debt with higher interest. I think SoFi is fair APR not to high interest of course based your credit score.
Jane Oldaker Delligatti
Easy to apply for
easy to understand directions
Felipe
Quick application and loan funding.
Quick application and loan funding.
Jackie
Very quick and easy to apply and get…
Very quick and easy to apply and get approved! Best way to reduce debt and raise your credit score.
David
The entire loan pros very easy…
The entire loan process was very easy and great.
customer
I would recommend this to my friend and…
I would recommend this to my friend and family
Arlie Miller
The entire loan process was convenient…
The entire loan process was convenient and quick. I am even going to be doing all my other banking with them.
Jon Garand
simple and quick process
simple and quick process
Simch
Very easy to get approval for a…
Very easy to get approval for a personal loan 30k was very happy how fast the process was less then 10 minutes
SP
They are simply Amazing.
The application process was very easy. The answer for whether the loan was approved or not stupid fast. Fortunately, it was approved. The funds were hitting my selected accounts the very next day. From application to paying off accounts in under 24 hrs? Who could possibly have any negative feedback about that? It was awesome.
James Simmons
Great!…
The ease of the loan process was terrific. Customer service is great and I am glad that I applied.
Joy
My experience was great due to the fact…
My experience was great due to the fact I did it online. The response and approval was fast and I find their website or app user friendly and straightforward. Once I completed the requirements, I got approval and payout. Thank you SOFI for helping me improve and reduce my financial debt.
Cheryl Tye
It was super easy
It was super easy. There was great communication and response.
Graciano Lopez
Easy and fast
The process was easy, fast with only a festejar questions and information aborto me. I send it during the morning, and the funds were in my bank account, 12 hours later. Thank you SoFi
Linda
The approval process was seamless and…
The approval process was seamless and prompt
Russell Jones
Quick process
Quick process
Rory
Quick approval of the loan I needed to…
Quick approval of the loan I needed to retain a lawyer.
Rodney
Easy to apply
Easy to apply. Fast response. Great job!
Diana Ryan
This loan process was straight forward…
This loan process was straight forward and very simple to apply. Also fast approval and funding.
Terry
Easy to use
Company was easy to work with and gave a rate of interest 🙂
Tommy Groover
Very easy and simple applying process…
Very easy and simple applying process and you know your interest rate and payment before having to accept the loan, without a hit on your credit report. Quick and easy funding. Very satisfied with entire process.
Judi
Easy application
Easy application, I knew what I was eligible for before the hard inquiry then funded in a few days! What a relief to pay off those high interest cards. Thank you Sofi!
James Elmore
The process Personal Loanwas very streamlined and…
The process was very streamlined and easy to accomplish.
Hollie Collatt
It was an easy application and was…
It was an easy application and was approved immediately.
Janice Brigman
Surprised and Grateful
I applied and was accepted for a loan with no issues whatsoever and I was offered a bonus for accepting the loan. I was surprised and grateful. The process from beginning to end was easy and convenient.
USAF Retired
Easy process and fast approval!
Easy process and fast approval!
Tony Mendoza
The process was easy to follow
The process was easy to follow. Once I was approved the money was in my account quick.
Greg G
Easy to work with
Easy to work with. Approval was fast. Money deposited within hours of approval
F Garrobo
It was easy and user friendly…
It was easy and user friendly throughout the entire process
Louis Moody
Very nice transaction was great and easy
Very nice transaction was great and easy
Yeni Sorto
Very satisfied
Very satisfied, it was very fast and without having asked for so many documents.
Yvette Wallace
Fast funding! …
I applied and received an answer quickly. I had never used this financial institution. The loan was funded within 1 day. The website is user friendly. I went online and saw additional products that I will use with SOFI in the future.
Top Home Loans
Quicken Loans
Read review
LendingTree
Read review
AmeriSave
Read review
Veterans United
Read review
Rocket Mortgage
Read review