SoFi Review
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Reviews 9993 
Jay
This was the easiest largest loan I’ve…
This was the easiest largest loan I’ve ever taken out in my life. The process was amazing. The rate was exceptional compared to all the others. I’m glad I waited to use SOFI!!
Mike
This was the easiest loan I have ever…
This was the easiest loan I have ever got. The process was quick and easy. I could not have asked for a better experience. My other experiences with this type of loan through a different bank took a lot more effort from me. Had to talk to people on the phone, find a bunch of information (phone numbers and addresses, ect) for where I wanted the funds to go. SoFi really simplified that process. I liked that I could work on this at my own pace with everything being done online so if I had to stop and do something else I could then come back to it and I didn’t have to try to find a convenient time to talk to someone on the phone.
Renee
First Timer at 50+
The experience, my first, was very easy and rather quickly. The terms of my loan met all my expectations and allowed me to pay off several credit cards and loans. My SoFi payment was incredibly less compared to the combined payment of credit cards and loans together. I had my money in a matter of days!
Ana H Galarza
Fast and convenient process.
The process with the application to apply for the loan was fast and easy. The response of acceptance was fast. And the money was transferred to my bank account fast as well. Their interest rate are reasonable as well the monthly payments. Thank you for your services especially in my time of needs.
Linda Clements
It was extremely flawless to submit
It was extremely flawless to apply for a loan, especially with my credit scores. The funds went directly to my bank immediately after approval.
StacyO
This is my 2nd loan with So Fi
This is my 2nd loan with So Fi. Easy process, fast distribution. Good rates for return borrowers.
Steven V Shull
Great experience
It was easy and fast to get the loan.
Guadalupe Rosales
The whole loan was great
The whole loan was great. They approved me when others just wanted to approve me for a little. I was so appreciative that I decided to get a checking and savings account.
Sand Stone
Easy Transaction
Easy transaction. My loan was approved and finalised within 48 hours. Also talked to a couple of customer service folks. They were very knowledgeable and helpful.
Terri Coursey
I love banking with sofi the app is…
I love banking with sofi the app is very easy to navigate.
Wil
The online application was surprisingly…
The online application was surprisingly easy to complete. I was delighted at how quickly everything went—it took less than ten minutes!
Joseph Eksterowicz
That I received my funds the same day I…
That I received my funds the same day I got approved for the loan 💸
R Flint
It was almost to easy.
It was almost to easy. I was a bit skeptical during the process because it was so easy, but everything went extremely smooth and quick. At this point I highly recommend SoFi.
Ronald Reed
If you meet the qualifications and…
If you meet the qualifications and supply the necessary documents. The loan process is smooth and fair
Dawn Johnson
Easy to apply and setup!
Easy to apply and setup!
Jason Porter PorterPower Racin
It was a great all around experience
It was a great all around experience. Terms were fair, I got what i needed to take care of my finances, and the whole process was quick and hassle free!!!
Brittney Hogue
So far the applying and getting…
So far the applying and getting approved was pretty simple and very easy. The communication so far has been great and the reminder emails about the payments are very helpful.
Jerome Landry
Very friendly and professional.
Very friendly and professional.
Angel
The easy of the application processp
The easy of the application process
Tim Shipe
Worth it!!!
For me, it was difficult to know whether the many positive reviews I read about SoFi were written by real people or bots. When looking for debt relief I was both quite anxious and leary of trusting a service because I was afraid of making my situation worse. I wanted to take time to write a review because I am a real person and have had, so far, a great experience. Everyone's situation is different...so this is not meant to be advice. If your situation is similar to mine, perhaps SoFi can help you as well. When I applied I had about $40,000 of credit debt and a credit score of 640. Nervously, I applied a few different times, right up to the point of doing a hard pull on my credit because I feared making my score worse. After four starts, I finally completed the application. There was some relief in being presented about four or five options to paying off my debt. I chose the best terms for me and then felt some additional relief when I had a specific plan to pay off my debt in three years. I had read reviews about SoFi changing the APR during the course of repayment. My loan is a fixed APR for the term of the loan and the rate is far better than what two of my credit lines were. One question that took some time to find an answer to is that, after the first repayment, I can change the monthly due date. It took me three days to have the loan money show up in the accounts I needed it to...I had most of the loan deposited to creditors directly. I mention this because I did get confusing messaging from SoFi about when the money would actually show up in the accounts...and banks have their own slow processes. All in all, I am very glad a month in that I did this. It feels good to have a plan. The application process itself was easy.
Consumer
It was excellent experience wotrking…
It was excellent experience wotrking with Sofi Easy, fast,
VMatthews
I've had Sofi for maybe almost 10 years…
I've had Sofi for maybe almost 10 years now. I had several loans I had to combine into this one. Sofi was one of the only companies that was able to take on the loans I had and consolidate it into one. The process was quick and easy and I am happy with Sofi so far.
Ronnie Palmer
They were timely and did everything…
They were timely and did everything they said they were going to do,
Aandra Erikson
I got an answer relatively fast.
I got an answer relatively fast.
Cody Roberts
This was the easiest and quickest…
This was the easiest and quickest process I’ve ever had to get a loan. Thank you SoFi!
Marc Michelet
Relatively easy process
Relatively easy process, easy to qualify, had proceeds in my bank almost immediately
Kathy
Topnotch
The process was quick and effortless.
PC
Fast and easy
Fast and easy. Great communication.
Blue Bird
Amazing
Amazing. Very easy steps to get the funds deposited to my bank account at a pretty interest rate. Very professional platform. Highly recommended.
Laura
Process was simple and fast
Process was simple and fast. Excellent customer service.
Harry Sendzischew
It was an easy process.Yes
It was an easy process. Attentive personnel
Frankie Ter Keurst
homeowner emergencies
Due to various homeowner emergencies, we had astronomical credit card debt that we needed to pay down with a lower interest rate. SoFi was recommended in a Reddit post and we went with it. It was super easy and convenient and there are multiple ways to decrease your interest rate, including having the money go straight to the credit cards (as we did) as well as setting up auto pay. Excellent experience and will definitely use them again if needed!
Lee Cox
Sofi loan process was the easiest and…
Sofi loan process was the easiest and quickest I have ever experienced. I would highly recommend Sofi to anyone needing a loan.
Larry Simmons
The loan application process was very smooth.
The loan rate was much lower than current rates. So much so that I could combine all of my debt into one monthly payment that was much lower than what I was currently paying. The debt consolidation loan returned close to three thousand of monthly income back to monthly savings. This extra savings will allow for a faster repayment of this loan.
jeff direnna
Fast and easy
It was much easier than I expected. There was one little glitch so I called and it was resolved immediately. d
Andy
Transparent
The application process was straightforward, with clear instructions and minimal paperwork. I appreciated how transparent everything was — all the terms were laid out in a way that was easy to understand, with no hidden fees or surprises. Approval was quick, and the funds were deposited into my account faster than I expected.
Milad Mesgar
Perfect experience!
Perfect experience!
Octavia Jackson
Excellent Service
SoFi exceeded my expectations with the loan process. It was quick and easy and I had my funds to my account and my payoffs completed within 2 days! I would recommend them 10/10!
Carrie
I didn't have to talk to anybody and…
I didn't have to talk to anybody and the offer was what the offer was with no gimmicks or charges when it came to approval.
Rick Moore
Steamlined approch to the process.
Steamlined approach to the process.
Nancy Flanagan
Our SoFi loan experience
The application process was very easy from start to finish. We were kept aware of what stages our application was in and we couldn't be happier. Thank you SO much SoFi!!
Krystal Warman
Fast Consolidation at Decent Rate
The process was very easy and I had $ by the next business day which was a amazing! I would have preferred that the estimated offer be the highest interest rate instead of the estimated rate with discounts. I also could not get the discount for directly paying my credit cards because it could not connect for certain reasons outside of my control. I still would highly recommended SoFi as I was able to consolidate my high interest credit cards within minutes and still at a decent lower interest rate.
Juanita Powell
It was fast and easy
It was fast and easy. 💖
Evie
Highly recommend SoFi loans!
I am so glad I finally decided to give SoFi a try! I read reviews and decided to see if I was going to be approved, with no harm to my credit, to atleast see my options first. I was blessed to be approved for an amount that helped me consolidate my credit card debt and have money left over to cover unexpected costs that came up. I highly recommend anyone seeking a personal loan, to work with SoFi. Fast and easy process and is very thorough to make sure your information is protected.
Rene Velazquez
I had a great experience with SoFi
I had a great experience with SoFi. The loan process was very simple. It's very uncomplicated compare to other companies. They're the best loan company I have ever dealt with. I highly recommend SoFi without reservations.
ALYSSA
Very easy
Very easy, all done on line and received a fast approval
Des Williams
I decided to take out a personal loan…
I decided to take out a personal loan for debt consolidation. So glad I did. The process was easy in terms of getting accepted. SoFi provided rating and length of time options that were suitable for me. From there, it took about a day or two for the money to hit my account. When the money arrived, I did exactly what I set out to do. I paid off all of those predatory cards/rates. I won’t ever get myself in a situation like that. Now, I’m eager to start paying off my SoFi loan and maintaining the discipline.
Rajesh Murali
Very easy process to apply for personal…
Very easy process to apply for personal loan, revise your loans or do refinancing. Never felt so confident and comfortable at the same time in past.
Susan
Sofi, the ADA, and reasonable accommodations
It didnt start of great but Abe heard me out, went through the details on sofi's website (regarding reasonable accommodations) and the ADA's website regarding what banks are to do when it comes to customers with disabilities, and being able to access sofi's services. We worked this out together, and came to a a conclusion that Sofi was able to accommodate and stopped an acute panic attack... that could have triggered something worse. I want to thank the representative in loans (yes loans) who got me to the right person/department and to Abe for helping me out. While this should be understood, most banks will wait for a class action lawsuit to truly "care." However, Sofi and Abe demonstrated my value to them, as a customer, no matter my personal, or financial situation. Many thanks, Susan
Neka
Very easy
Very easy! Everything was at my fingertips. I was alerted every step of the way as to the status. Disbursement was VERY fast! Plus they saved me money on my monthly bill.
Ricky Wood
Process was all done from your phone
Process was very easy
Gary
I applied for a debt consolidation loan…
I applied for a debt consolidation loan with Sofi through Credit Karma and was pleasantly surprised by how easy it was. After a short pre-qualification process I was offered several options to choose from. Upon my selection I received final approval without any documents being required and my loan was processed within 2-3 business days.
Kannan Chandran
They did amazing
They did amazing
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.