Everything done online
Everything done online. Very easy because I’m not very computer savvy.
About SoFi
Data updated- Website
- sofi.com
- Category
- Money & Insurance
- Location
- United States
- Status
- Unclaimed
- Last 12 months
- 188 reviews
- Replies to negative
- 71% (10/14)
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About this business
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.Is SoFi legit?
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.
What reviewers say
AI generatedReviewers 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.What people say
Put in my application
Put in my application, was approved in less the 8 hours. Helped payoff high interest credit cards, and the payment is better then what I was making on my cards
My debt is almost gone thanks to Sofi!
I am soooo happy to have been approved for a lower interest loan to pay off my debt. It is going down so fast, and I have paid off and locked my credit cards with the funds provided to me last year. My life is so much better with one payment, and once this is gone, I will never have to worry about debt like this again. Thank you so much, Sofi.
Quick and easy
Quick and easy. Funds deposited quickly.
The stress of credit card and another…
The stress of credit card and another personal loan was really weighing on me. I had applied for a consolidation loan with other place but was denied. Sofi made it easy to apply and I had a response quickly. I feel like I can breathe a little easier right now.
I have used all online platforms out…
I have used all online platforms out there and I thought Upstart was great until I tried SoFi. This will be my go too moving forward.
The loan process was easy and the staff…
The loan process was easy and the staff was ready available to answer any questions and assist if needed.
Personal loan refi
The process of refinancing my personal loan was quick and easy. I saved almost 4 percent from what I was paying my previous bank. Now it will be paid off a year earlier.
Fast approval fat funding with in…
Fast approval fat funding with in 48hours
This has been the best experience using…
This has been the best experience using a lender I’ve ever had. I provided my I formation the amount I needed and within 30 minutes I was approved and the money was in my account 2 days later. Great percentage rate too! Thank you.
Easy process
Great experience
They were very easy to work with and a quick turn around to get your money. I would definitely use them again.
easy to deal with process smooth
easy to deal with process smooth, had to wait a while but with the interest rate I got Im not ever going to complain love this company hope to do more business soon thanks
interest rate below 3 percent…
with the interest rate below 3 percent , you can not compare with any other loan, took the 36 month option.
It was fast and easy and the approval…
It was fast and easy and the approval process was seamless.
Joseph IraggiUnited States · 1 review · Experienced 2026-07-21 ·
It was efficient and easy to analyze.
Easy access to and loan process
Easy access to and loan process. Low interest rate on personal signature loans.
Thank you 🙏 for the opportunity and…
Thank you 🙏 for the opportunity and your awesome service. What makes this company unique is the ease of access and innovation behind this company. Great customer service and support. Simple process to apply and receive funding quickly.
Don’t like that I did not achieve what…
Don’t like that I did not achieve what I set out for. Wanted to refinance a loan and get a few extra dollars to pay bills. Ended up with a new loan, at a higher interest rate and only $5 less
Reply from SoFi2026-08-07
Hi Ruben, we're sorry to hear that your refinancing outcome fell short of what you were hoping to achieve. We understand how frustrating it is when a new loan doesn't give you the extra breathing room or interest savings you were aiming for. When reviewing refinancing options, factors such as updated credit criteria, current market rates, and requested loan terms can impact the final rate and monthly payment offered. We'd be happy to discuss this further and see what we can do to help. Please feel free to contact us at 855-456-7634!
donald southernUnited States · 1 review · Experienced 2026-06-05 ·
Great overall experience with my loan…
Great overall experience with my loan from SoFi. The process is very simple and smooth. SoFi is thorough through the explanation of terms, but it’s not overwhelming. Several options to choose from length of loan and repayment. This is my 2nd loan...so far SoFi has been awesome.
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