SoFi has the all-in-one financial app to help you save, spend, earn, borrow, and invest your money—and protect what matters.Over 5 million SoFi members bring their ambitions to life with help from products like: Student Loan Refinancing Personal Loans Mortgage LoansPrivate Student Loans Investing Banking Credit Cards InsurancePlus, SoFi membership includes exclusive perks and benefits other fintech apps can't match. One-on-one career coaching Timely member events Helpful online community Financial insights Exclusive rate discountsVisit SoFiINVESTMENTS ARE NOT FDIC INSURED • ARE NOT BANK GUARANTEED • MAY LOSE VALUETerms and conditions apply. SoFi Checking and Savings offered by SoFi Bank, N.A. Loans originated by SoFi Bank, N.A., NMLS #696891 (www.nmlsconsumeraccess.org). Equal Housing Lender. Brokerage products offered through SoFi Securities LLC, member FINRA/SIPC. SoFi Securities LLC is an affiliate of SoFi Bank, N.A. Advisory services are offered through SoFi Wealth LLC, an SEC-registered investment adviser. The SoFi Credit Card is issued by The Bank of Missouri (TBOM) (“Issuer”) pursuant to license by Mastercard® International Incorporated and can be used everywhere Mastercard is accepted. SoFi Bank, N.A. Member FDIC. ©2023 Social Finance, Inc. All rights reserved. Information as of April 2023 and is subject to change. LND23-1216150
Written by the business, not verified by us.SoFi (sofi.com) has a 4.6 out of 5 rating on OK.one, based on 188 user reviews collected here. It is listed under Money & Insurance and its reputation is excellent. 88% of reviews are 4 stars or higher and 5% are 1 star; The business has replied to 71% of negative reviews; Reviews mostly discuss User experience, Customer service, Price. Last updated 2026-08-11.
Reviewers overwhelmingly had a great experience with this company. Customers frequently mention how fast and simple the entire loan application process is, noting that funds are deposited quickly into accounts. Many people also appreciate the convenience of having their debts paid off directly and managing finances through straightforward autopay options. Some reviewers were not happy with customer support, mentioning that it was difficult to reach a human or that communication lacked urgency. A few consumers also noted frustrations regarding high upfront fees, strict verification steps, or unexpected interest rates that made refinancing less beneficial.
Auto-generated from all reviews of this business. For reference only.SoFi has been a very trustful and reliable source. It was fast and easy. I was treated with a very polite and friendly manner. I'm very happy to have chosen you guys to partner with on this journey. Can't wait to see how much positivity we do together. Thank you!!!
Christopher was very patient with my questions and answered with great information in helping with my decision.
I was very surprised with the information and that it was so easy to apply thank you very much
The application process was quick and easy, plus the funds were made available in a minimal amount of time. Thank you.
Easy process that didn’t take long. Payments were flexible and fair. Better interest rate than my bank offered. No hidden agenda. All around positive experience.
SoFI made the whole process quick and easy. Received my funds with in a couple days. Flexible payment options. Would definitely recommend!
So quick and easy! The process was easy to navigate with a quick approval process and distribution of funds!
SoFi is a great bank with a great platform to work with. I am very impress.
So far made this so easy! They are there to help with any questions or concerns that you have and you find out quickly if receiving the loan
SoFi has made it so easy to track my expenses! Everything from the credit card to personal loans are easily applied for, approved, and dispersed quickly with little to no waiting game. They are straightforward and very easy to work with.
The application process was fast and easy and the customer service with a human by phone was also effective. I also received a rapid response about the status of my application.
I never expected a simple refund correction to take over three months. After refinancing my daughter's student loan from College Ave to SoFi, College Ave received an overpayment and was supposed to return $1,179.02. Three months later, that money is still missing. I've spent more than six hours on the phone, sent countless emails, and followed every instruction provided. The result? No answers, no accountability, and no resolution. Every representative seems willing to acknowledge the issue exists, but no one is willing or able to take ownership and actually fix it. It's incredibly frustrating that in an era when money can move electronically in seconds, neither company can tell me where my funds are or return them to my account. The customer service experience has been unacceptable, and the lack of urgency regarding a customer's money is deeply concerning. I would strongly encourage anyone considering doing business with College Ave to understand how difficult it can be to get help when something goes wrong.
Hi Jan! We're so sorry you've had this experience. Not knowing where your remaining funds are — and feeling like you weren't heard — is incredibly frustrating, and we've let you down. That's never what we want for our members. We'd like to take a closer look with you. Please DM a good callback number and your preferred time, and our team will review your concern and reach out directly. For your security, don't include any sensitive information. We hope to hear from you soon.
If it weren’t for the ease and able to do it all from online, I probably wouldn’t have used SiFi. Very pleased as how the process was and how transparent it was as well. I did my research on the company too and combined with my personal experience I would recommend.
It was a smooth transaction. Not a thing complicated.
Easy, efficient, and timely.
Process was fast and easy on my phone once I decided which loan offer was right for me. I did a debt consolidation loan and they paid my creditors within 48 hours.
The process was easy and intuitive. I just would have liked to see a 3 year repayment option as well. But otherwise I have no complaints.
Applying for and getting approved for my consolidation loan was simple and fairly quick. Then Having the ability to seamlessly pay off credit cards in the process was also a nice feature and raised my opinion of the process.
Quick approval and funding. I would like to set up my payments every other Friday to coordinate with my payday. How do I set that up?
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