SoFi Review
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Reviews 10536 
Cade
Good but could be much better
I love the app and how it encourages saving and tracking your spending. The APY is great as well, though it has gone down every several months (from around 4.2% to 3.2%). The cons of Sofi are not having a physical ATM for cash deposits or withdraws, which was very inconvenient when I needed quarters. I had to make a bank account with Wells Fargo just to get quarters and then closed the account the same day. They also aren’t very accurate with the spending trackers within the app, so you still have to do a lot of manual tracking. And worst of all, they are useless when it comes to fraudulent charges. They just cancel your card and mail a new one, instead of disputing the actual charge with the offender. That’s been frustrating because I’ve had my card cancelled twice already in two years and they didn’t dispute or block the fraud charges. I don’t feel protected or like my money is secure. I’ve only lost around $125 in fraud charges so far, but I can’t imagine if I had $1,000 or more stolen because Sofi would just let it happen and cancel my physical card after the fact. They need to improve their security and have a better process in place for fraud charges.
fond bcn
The platform initially conveyed…
The platform initially conveyed legitimacy through flawless presentation, strong reviews, and seamless operational performance. Trusting these signals, our firm engaged with the platform and later incurred significant financial losses. Further monitoring identified irregular wallet transactions that raised concerns regarding the custody and movement of funds. Internal reviews were unable to clearly map transaction flows or determine full exposure. With analytical support from 𝑵𝒐𝙫𝙖𝑻𝒓𝒂𝒄𝒆𝙄𝙣𝙩𝙚𝙡, we gained enhanced visibility into on-chain activity and risk indicators. This process allowed us to improve internal oversight, strengthen governance frameworks, and better protect future digital asset investments.
Robin Jeanne Roy Grignon
Great loan
This was a very quick and easy application process. I was approved instantly with a few different months to pay. I chose the lowest, got a good rate and the money was deposited the next day.
Héctor M. López
Process was smooth as expected
Process was smooth as expected. Great offer on APR, wonderful service and customer appreciation. A+++++
Kit Heist
Ts is so mid!
Ts is so mid!! It rarely pays for me duping SoFi plus offers.
Sonia Penland
Great loan experience ever
I needed a quick loan and this experience was very professional and easy to understand and do
R Neal
Ease of process and quick funding
Ease of process and quick funding
J. Sparks
Quick and simple money the next day
Quick and simple money the next day. Doesn't get any better than these guys.
Tyjuan Gardner
The best and continues to sofi deserves…
The best and continues to sofi deserves 5 stars and congratulations 10billion served or at least what I heard
fond bcn
The platform’s polished appearance
The platform’s polished appearance, positive user ratings, and reliable connectivity created an impression of operational integrity. Based on these factors, our organization engaged with the platform and later experienced substantial financial loss. Ongoing monitoring identified irregular wallet activity that raised concerns around fund custody and asset oversight. Internal investigations were unable to fully trace transaction flows or establish comprehensive accountability. With analytical assistance from 𝑵𝒐𝙫𝙖𝑻𝒓𝒂𝒄𝒆𝙄𝙣𝙩𝙚𝙡, we obtained enhanced visibility into blockchain behavior and associated risks. This insight supported improved governance, clearer stakeholder communication, and the implementation of stronger risk controls for future digital asset initiatives.
saul lowery
The process of financing is made easy
The process of financing is made easy. And a very fast very fast process.
Cliff
The entire process was easy
The entire process was easy, timing was very fast, need to provide documentation was uploaded without any effort. I'd recommend anyone looking for a loan go to SOFI first.
Robert Methner
Great smooth and easy
It was such a smooth and quick process I’d recommend this to everyone! Great portal interface, no hassles whatsoever!
Craig Kijowski
I referred a friend with link that was…
I referred a friend with link that was sent. She applied and was approved. Neither of us received our bonus definitely disappointed.
Ryan
Quick and Hassle-Free SoFi Loan
I had a great experience with my SoFi personal loan. The application process was easy and very user-friendly, approval was quick, and there were no unnecessary complications. Most importantly, the funds arrived exactly within the time frame SoFi stated. Everything was transparent and smooth from start to finish. I would definitely recommend SoFi to anyone looking for a fast and hassle-free personal loan.
derek silva
Although very impersonal I was…
Although very impersonal I was impressed how quickly this was accomplished . However there was a loan shock to this transaction! It wasn’t made clear not only by the advertising but in a non vocalized deal it wasn’t clear and it definitely was too costly! Wasn’t able to complete my reason for the loan being shorted by the closing costs?
Florence Leano
Smooth processing
Processing was smoothly done. Funding were fast
MrsOnyinye Precious Nwaeze
Laptop school
Laptop school
Joshua Harden
Bad for loans
I came to SOFI as a credit card holder and eventually came over as an online banking customer. Recently i went to get a cash out refi on a property that i own free and clear. I also have perfect credit. They told me 2 weeks which is typical for this i believe but now it has gone over a month and they keep asking to reload the same documents and changing people I'm working with. This has been the most frustrating refi i have ever dealt with. Banking is good. CC is good. Loan Department worst experience ever.
Deborah Alexander
They made the process easy and fast
They made the process easy and fast
Why-Not
Hands down amazing online banking.
The experience of applying and getting approved for a personal loan was straightforward and hassle-free. Actually it was easier than working directly with an actual person - surprisingly. I was approved for the exact amount I requested shortly after submitting all of my requirements. SoFi continues to stay in touch with me weeks after my loan approval and never did I ever feel forgotten or confused about the entire process. I am highly impressed and highly recommend anyone to work with SoFi. Its quite impressive the amount of banking services offered by SoFi, including the rewards that comes with all of it. Truly one of the best online banking companies and platform to date. My overall experience has been hands-down amazing! Thank you, SoFi.
Angela
Speedy Funding
Signed loan documents and money was in my account the next day.
-amaurys santos sanchez
Loosing time with them
Why because when you need to get cash is a whole problem they denied the access to the cash more than the 300 minimum in the automatic machine if you need as me 500 and is your m9ney and if you try to contact them is a whole consecutive pro conversational stuff and you loose time forever this is not good for me I only do because I am still waiting my residency when I get it is done because here you don have time to loose sorry
Jerry
Loan process
Great processing of my personal loan, fast and friendly loan personnel. They responded with any of my concerns quickly and efficiently. Thank you so much SoFi team members
Bruce H
First of all they saved me over $80 a…
First of all they saved me over $80 a month. The process was quick and very easy.No hassle loan.
Wilbur G Snyder
very smooth
very smooth
Ms. Caldwell
Process was easy
Process was easy. I was given varies loan offers and terms. This allowed me to choose what offer, interest and terms best meet my needs. The process was quick. Now I have more money in my pocket. I paid off my higher credit cards with a very low personal loan and with livable terms. A win, win for me.
David Rosado
This loan is fast and easy help with…
This loan is fast and easy help with some stressful situations and high interest rates I had going on. I’m sure I will be able to breathe much better now.
Lark P.
Our family' favorite bank
Our family' favorite bank. Love them
KathyP
Easy to follow process with a positive outcome!
I recently took out a loan to consolidate my credit card debt. SoFi was great to work with. It was a seamless process. The system was user friendly and I found it easy to download all the paperwork required. Through the whole process I only had to speak to one person because I was on the road and not able to electronically respond that one day. I have never experienced an easier process with a very positive outcome. Now my cards are all paid and I just have to pay the loan off now. I’m relieved and SO glad I found SoFi. I will surely recommend to my family and friends. Thanks SoFi!
Carol S Johnston
Easy and Fast Loan Process
This was the easiest loan process we've ever experienced. It was so easy to do everything online and not have to deal with talking to a representative.
Michelle Mcdermott
The loan process was was fast and easy
The loan process was was fast and easy. I would recommend SoFi to anyone looking for a personal loan.
william
Slow and steady get you there
I am of the generation where muscle cars are great and computers are not,with the help of your loan officers I have been able to get through this process. I commend them for helping me step-by-step and showing me alternate ways to make this happen.
Curtis E. Hinkle
The experience was so easy I couldn't…
The experience was so easy I couldn't believe it at first. I was finished in just a few minutes. I highly recommend their service.
Jennifer Dunham
The process was so easy and seamless
The process was so easy and seamless! This is my second loan with SoFi they are my go to. It was so quick to get funded.
Red Enriquez
It was fast and well processed
It was fast and well processed
Nichole Hoffmann
I am so grateful for this service
I am so grateful for this service, I had so many different cards with super high rates and I finally feel like I can really manage my finances now it’s such a relief. So easy to use and fast funding
Terri Alley
SoFi is the best!
The application was fast and easy with a fast reply. The loan was funded very quickly and the funds available immediately. The interest rate is less than half of what I was paying on high interest credit cards.
Edwin Guzman
SoFi made the application process easy…
SoFi made the application process easy as can be. I was offered a larger loan but settled on what I needed to help me bring down my debts. The interest is fair and low. SoFi has made my financial position to balance out. Thank you
Curtis Johnson
Just a all around good experience
Just a all around good experience
Brooke
Very easy to set up a new account
Very easy to set up a new account, app is user friendly and well designed.
Isaia
Declined a loan to consolidate some…
Declined a loan to consolidate some debts, without any proper explanation.
Elizabeth Lebron
Loans with SOFI
This is the 2nd time I get a loan with SOFI and the process always goes quickly and smoothly. The terms are easy to follow and they are always available to answer any questions.
Vagner Alves Velasco
Best interest
Best interest, quick money. I’m very happy with them. Now I got to reciprocate it. I got pay it 🤩
Joshua Berrios
Successful Banking
So far I’ve had very good experiences with Sofi
Daniel Snell
They were quick to approve and fund…
They were quick to approve and fund loan, easy process
Deb F
So Easy to Apply!
I am very pleased with the easy experience I had in applying for my loan. Minimal paperwork, never had to leave my house, and the time until I received the money was very short. I would recommend SoFi to anyone looking for a good experience in getting a loan!
Mark E.
Personal Lending Done Right
Applying for a personal loan with SoFi online was smooth and fluid throughout the process. I couldn’t be more pleased with this company. They funded my loan very quickly. I highly recommend SoFi for your financial needs.
Craig Leitnaker
Great customer service
Great customer service , easy online application and fast funding .
E Joann Parks
SoFi great Company
SoFi great Company The online application was Smooth and transparent. SoFi answered all my concerns and questions. I have been a customer for 3 months and everything's as expected.
Cely Perez
Great loan company Sofi
Using Sofi for the first time was well worth it. It was quick and easy to apply for a personal loan. Got my answer faster than expected. I would recommend to anyone. Btw no extra charges like other companies I've used.
Kari K
Easy and Quick!
Easy application process and the loan was dispersed quickly. 1-3 days. Eligibility determination was within minutes. Overall great experience to consolidate credit cards into one easy payment with less interest. I really like the App which makes everything easy.
Rena Dubow
Easy Money
The loan process was extremely quick and easy from the application to the result. Customer service was very helpful, friendly and efficient and I was able to receive the money within several days. I highly recommend SoFi when seeking a personal loan.
Anselmo Farrell
Best loan company
Fast and easy application process, funds were available within 24hr
Gregory Lord
Super happy and impressed with my so fi…
Super happy and impressed with my so fi personal loan! The entire process took minutes to apply and the money was dispersed to vendors and the balance in my acct before I woke up the next day. Was completely blown away! Will definitely do more business and continue to be a so fi customer for years to come !
Marycel Anderson
The process is unbelievably smooth and…
The process is unbelievably smooth and hassle-free , not to mention , pretty fast . Also love there very competitive interest rate .
George Kiley
Easy process to complete
Easy process to complete Fast response
steve selley
Simple process that is helping me…
Simple process that is helping me become debt free!
customerRick McClung
My experience was the process was very…
My experience was the process was very easy and simple to complete. The interest rates were reasonable which I appreciated.
Becky San Miguel
Although I didn't speak to an actual…
Although I didn't speak to an actual person the process was fairly easy. Confirmation of acceptance was timely. Sending documents at times was taxing but eventually I managed to get it completed.
Alberto Martinez Jr
Excellent service
Excellent service
Brian Fee
Great experience and a great process
Great experience and a great process! It was amazingly easy!