SoFi Review
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Reviews 10330 
Kendall Morrison
Very Quick and Easy.
Very Quick and Easy.
Joel Vera
Very easy and trusted process!
Very easy and trusted process!
Vanessa
SoFi has been amazing
SoFi has been amazing. The entire process from start to finish was very easy. I am extremely happy to be with a company that has competitive rates and gives reasonable payment options! I would highly recommend!
James Sabo
Easy and quick process.
Easy and quick process.
SirKerry Green
Easy interest rates to loan duration comparison
Easy comparing interest rates to loan duration for my level of credit. Was able to compare to my Prosper and Wells Fargo accounts, and SoFi was able to provide me the best rate for a 48-month personal loan for a major purchase.
Angelic Samuel
Smooth, Transparent, and Extremely User Friendly.
My Experience with SoFi was excellent from to finish. As a CEO working banking and finance, I naturally Look for clarity, Trustworthy processes, and a well designed customer Journey- SoFi delivered all of that. The platform is clean, intuitive, and easy to navigate. The application process was quick, and the communication was consistent throughout. What I Appreciated most was the transparency: No hidden steps, no confusing language, and everything was explained upfront. Support was responsive and professional, and I never felt like , I was left waiting or unsure of what would happen next. Overall, SoFi has done a great job combining modern digital convenience with strong financial service standards.
Silverpath
The application process was super easy…
The application process was super easy - and they had excellent rates! My loan also funded the next day!
Kimberly B.
Great experience
SoFi has been great. I was approved for a loan within a few days after applying and was funded the day after I signed the paperwork. They made the whole process easy. Very happy so far!
MR. C
⭐️⭐️⭐️⭐️⭐️ 5-Star Review for SoFi
⭐️⭐️⭐️⭐️⭐️ 5-Star Review for SoFi Last month and again this month, I dealt with several frustrating issues involving delayed transactions between SoFi and my car insurance company, Progressive. These delays caused other payments to fail, which created a stressful situation. While I acknowledged that a few of the failed transactions were on my end, the major issue was between SoFi and Progressive—and neither company initially took responsibility. What I didn’t realize was that my concerns had already been escalated to SoFi’s Customer Advocacy Team, and that’s when things took a turn for the better. I want to specifically recognize Jazlyn H. from the advocacy team, whose professionalism and sincerity were truly appreciated. She took the time to fully review my situation, explain what happened, and acknowledge that the source of the delay—whether on SoFi’s side or Progressive’s—couldn’t be fully confirmed. Even so, SoFi still stepped up, apologized, and credited my account $80 to cover the late fees I was hit with. I also want to thank Zane, who communicated with me by email on 12/05 and again by phone on 12/08. He was patient, informative, and genuinely concerned about making sure the situation was resolved the right way. In the end, I chose to stay with SoFi because of how they handled this. Most companies no longer show this level of care, accountability, or appreciation for their customers—but SoFi did. They went above and beyond to earn back my trust and my business. Thank you, SoFi, for still treating people like people—and for having team members like Jazlyn and Zane who truly make a difference.
Luis Enrique Hernandez Figuero
Sofi online is time well spent!
Interacting with Sofi online is easy and productive. I am a satisfied customer.
Grant
This company is very easy to deal with…
This company is very easy to deal with and get a loan. The process is very simple and fast. I highly recommend them!
robles Calero
Best loan offer!
Hands down, this was the fastest and most excellent loan service I’ve experienced. I even approached my longtime bank, where I’ve had my mortgage in the past and have been banking for years, only to be offered a higher interest rate and less favorable terms. I was very satisfied with the service and the offer from So-Fi. I shared my experience with family and friends, and they couldn’t believe the deal I received. Thank you for making a difference with such a customer-friendly app. I’m a happy customer!
customer
It was a very cumbersome process
It was a very cumbersome process. A lot of back and forth to get the application completed. Customer Service was somewhat helpful. It took over a week to get approved. Was asked for a 1099 for confirmation of income and then was told they couldn’t use the information towards the application. Asked the same for the co-borrower
Reginald
the application was painless and quick.
the application was painless and quick.
Pearlie W
I got a preapproval
I got a preapproval. I answered some questions about my finances and income, and that was it. SoFi gave me several options on payments and interest, and I just chose the right one for me. It was a very easy and simple process.
Jaime Navarrete Mancilla
f you want to lower your APR and your financial burden.
It arrived when I needed it most, and yet it was much better than other loans offered, and the flexibility of doing everything online without having to go to an office allowed me to refinance my old loan and have cash in hand to pay off my credit cards. I can only say that it is highly recommended if you want to lower your APR and your financial burden.
Michael Wiegele
I’ve always gotten loans offers in the…
I’ve always gotten loans offers in the mail & it was never the right time. Just so happens I wanted to concentrate my bills & I was able to take advantage of a pretty low & decent interest rate & it was very easy with the website & with easy instructions to follow it made it easy to apply. The funds transferred very quickly once approved. I highly recommend if someone was interested in a loan
Consumer
It’s was so good more people need to…
It’s was so good more people need to try this
Hussein Ahmad
ease of use and awesome experience
ease of use and awesome experience
Alvin Bean
Ease of online application process and…
Ease of online application process and quick responses and results, Thank you.
James Hodges
Easy Process
everything was simple and easy and didn’t take too long to get processed.
George Mitchell
The loan process was quick and easy to…
The loan process was quick and easy to understand. I would definitely recommend SOFI to anyone looking for a loan.
jesse Ramirez
Good way to work on fixing my credit…
Good way to work on fixing my credit more but charging $700.00 plus intrest on a loan seems too much.
Gabriel
Fast & Clear
The process was fast and clear. No hide information.
Carolyn Tucker
SoFi is awesome!…
The application process couldn’t have been easier and the follow up is excellent. It makes you feel like they really care and want you to succeed. SoFi rocks!
Dave Gibbs
This was my first time and it looks…cherry
This was my first time and it looks like it may have worked. Thanks no BS
Elisa Colon
Fast and dependable
Fast and dependable. The rates are a little high, but very reliable service.
Mark
Easy to apply
Easy to apply, fast response, quick turnaround, extremely pleased.
Ronald Morano
SoFi so easy
SoFi made the entire loan experience stress free. The application and funding process was quick and easy; saved me a great deal on interest charges.
Rocky Brooks
If you give me the loan and give it put…
If you give me the loan and give it put on my charlie card ending with 0527 by tomorrow morning and it is 1000 and I will put 2000 back in the account by friday but you don't give it to me by morning iam not putting 2000 backin the account if you can't loan me the 1000 by morning
Glenn Corbett
Quick
Quick, easy and a low interest rate! I will more than likely use SoFi again!
No thank you
Super easy and super polite people to…
Super easy and super polite people to work with.
Miguel Marrero
Sofi responsible loan process
Sofi request important information about my finances and my wife finances ( co-creditor), so they take a credit loan with responsibility
Josh Geibel
Truly easy simple honest loan process with better rates than you'll get anywhere else. Thank you SoFi
I truly and greatly appreciate SoFi. Im currently going through a divorce and losing everything I've worked for my entire life. I needed a loan to consolidate bills and to provide for my son. Ive worked hard my entire life built / provided a loving happy home / life. Most banks forget most people come to them in times of financial needs. My local bank couldn't help me with a personal loan due to the divorce and uncertainty of the outcome. Even though all my finances checking savings loans mortgage are with them over 20yrs. Other banks want to take advantage with 27-36%APR. SoFi accepted my loan request gave a better APR at 15% and funds available in 2 days. I greatly appreciate the help and a chance to rebuild my future. I just wish the rates were more reasonable but when your backs against the wall you'll take any help you can get.
Pete Jordan
The process to apply for a loan was…
The process to apply for a loan was painless. Got an answer in a short period of time. Got a good interest rate. Paid off credit card debt and saved hundreds of dollars on interest charges.
Randa Fry
Loan process was fast and easy
Loan process was fast and easy
Jason Yerg
Fantastic Experience
Easy, fast, helpful process with fast funds availability
Roger Gilbert
The application was very easy to fill…
The application was very easy to fill out and the service was fast. Had the loan within days.
Matthew Price
Quick process
The ease of applying and flowing through personal loan process was unmatched. All completed through app and chat sessions, recommend to anyone looking to re-finance or complete debt consolidation!
Kathy D.
Quick and Easy
Quick, easy, and relatively painless! Will definitely be using SoFi for any personal loan needs in the future!
Edward Lopez
Wow.
Wow.. applied for loan … approved and funded all within 48 hours and all online ! Amazing
Liege Maidana
Easy apply and quickly answer
Easy apply and quickly answer
Yvonne Munn
It was easy to apply for a personal, a few questions.
It was easy to apply for a personal loan. Easy repayment terms that fits within my budget. The money was transferred within 24 hours.
Lynn Neville
I refinanced an existing loan at a…
I refinanced an existing loan at a lower rate. The loan was approved quickly and it took little time to complete the transaction. The payoff to the old loan was completed the following day.
Bob F
Applying was easy
Applying was easy. They reviewed my app. Called me with a few questions. My loan was approved and funds deposited in a day or two.
RP House
Very fast funding
Very fast funding. Easy automatic payments. Awesome interest rate very happy to consolidate my debt witha better interest rate.
Juan Sandoval
It was great very fast and no problems
It was great very fast and no problems
Smith
I never knew that getting a personal…
I never knew that getting a personal loan could be so easy. SoFi makes the process simple and fast.
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.