Straight forward Process
Straight forward Process It was very easy to apply and to set up my payment option. Funding of the loan was fairly quick.
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
Everything has been super easy
Everything has been super easy; from application to repayment.
Applying was easy and I had approval…
Applying was easy and I had approval right away. The loan was funded and payment sent to my credit card companies in a couple of days.
Paid off 4 credit cards with higher…
Paid off 4 credit cards with higher interest rates. Purchased brakes and new tires for my SUV!
They say and do what they advertise
Easy process
It was a very easy process for the loan. Will be a repeat customer
Nothing difficult about doing business…
Nothing difficult about doing business either Sofi. I appreciate you
The loan experience was flawless from…
The loan experience was flawless from application to approval. It literally took less than 10 minutes to get approved. The money was deposited into the account the next day. Lots of options for payment timelines and interest rates. Online setup was easy too.
The process was easy
The process was easy, fast and very user friendly
It was so easy to apply and qualify for…
It was so easy to apply and qualify for a loan with SoFi. I had a great experience and got my money within a couple of days! I definitely recommend them for loans. Customer service was great too!
Having a loan with SoFi was very…
Having a loan with SoFi was very helpful for cash flow. Easy to apply for and pay for! We paid it off with and Equity Credit line from...SoFi! Will come back for more, if needed.
After adding up the interest I was…SoFi makes saving money easier!
After adding up the interest I was paying on some large credit card bills I needed a solution. SoFi provided me with a plan to consolidate those bills into one lone payment. Not only was I able to save a lot of money but SoFi did a soft credit check to give me the loan details without affecting my credit score! Now I have one manageable payment and it’s automatically deducted from my bank account which gave me a better rate. Thanks for making my loan easy SoFi!
Worst Bnaking Experience Ever
I recently had $50,000 wire transferred without any verification from SoFi...They refuse to take responsibility for their oversight and refund my funds...Their tagline: Your Security is our highest priority" is completely untrue. Recently retired, losing $50,000 really hurt. They do not seem to care. No resolution.
Crazy easy. Instant approval.
I had an amazing experience with SoFi from start to finish. They helped me consolidate my high-interest credit card debt into a 24 month loan with an incredible 6.74% interest rate, which will save me thousands. What impressed me most was how simple and fast the entire process was. Almost too easy. The online application was straightforward, approval was nearly instant, and everything happened exactly as promised. The remaining loan funds were deposited into my bank account within 24 hours, and SoFi paid my credit card companies directly within 48 hours. Their app is impressive too.
Hassle free personal loan process
Hassle free, quick processing and funding, no gimmicks or pressure, great app.
It was so easy to get along when nobody… the best credit card and loan company
It was so easy to get along when nobody else wanted to give me one and I really appreciate the chance and the customer service
SoFi is amazing
SoFi is amazing. I applied and was approved and got loan in my account next day. I love doing business with them.
Very efficient
Very efficient, painless and smooth process
Excellent and fast service tailored to…
Excellent and fast service tailored to the customer's needs—thank you!
The SoFi loan approval process was very fair
The SoFi loan approval process was very straight forward, and fair.
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