I can’t believe how fast they are and…
I can’t believe how fast they are and wanted to pay off another acct that was twice the intest. Check them out they are helpful
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
Easy Process…
It was an easy process and seriously lowered my interest rates.
My experience was great easy no hassle
It was very easy to apply good payments i would recommend Sofi to anyone who was looking for a loan
I HAVE USED SOFI FOR THE LAST 8 YEARS.
I HAVE USED SOFI FOR THE LAST 8 YEARS. THEY HAVE COME ON MY THROUGH FOR ME EVERY TIME I NEED A LITTLE HELP.
Loan was approved and sent within days
Loan was approved and sent within days. Easy application process
The process was quick and I loved the…
The process was quick and I loved the fact that they sent the money directly to my accounts. Looking forward to be debt free!
SoFi made it easy to pay off high…
SoFi made it easy to pay off high interest debt and consolidated my cc balances with the lowest interest rate at the time of acceptance. They are perfect for this type of service.
It's a digital bank and financial tech company.
I responded to a 'special' offer from SoFi for a reduced rate loan. When the online application went sideways, I contacted cust serv and got assistance. Only for a higher interest rate. When I inquired about the promotional rate, I was told because I started an application, did not complete it and CS completed one, the system wouldn't honor the rate.
Quick
Quick, accurate and very professional company
Made it very easy to apply
Made it very easy to apply. Also made it very easy and money was transferred to my account within 48 hours. I don't even think it was 48 hours. It was very quickly and I am well, pleased with the sofi, and would definitely recommend it to others
I appreciate SoFi because I was at my…
I appreciate SoFi because I was at my lowest drowning in debt but when I found SoFi on tik tok and Facebook I was relieved. Of course I did my research but I appreciate SoFi for letting me take out a $20,000 loan. I was able to pay off most of my debt. I just wish my interest rate was lower the 25.25%.
Reply from SoFi2026-07-31
Hi there! We're so glad you're getting your money right with us. Your feedback is heard regarding the interest rate, and we appreciate your honesty. We're always rolling out new promos, so keep your eye out for future offers. Don't hesitate to reach out if there's anything we can help with. Thanks for being a loyal SoFi member. 💙
The process was easy &quick,The people…
The process was easy &quick,The people we worked with were very friendly and knowledgeable . We were informed of every aspect of the loan,
Application took less than 20…
Application took less than 20 minutes.Instant approval and I received funds with 3 business days. No hassle.
SoFi - I Will Never Go Back to SoFi
My bank was going to give me an unsecured personal loan until they learned that I had moved to another state. They were not able to go through with the loan. I contacted SoFi on July 8 for a personal loan. They have a minimum of $5k for a personal loan. I had asked for only a $3k loan. Within 10-12 minutes SOFI pre-qualified me for a $7,500 loan, even though I had only asked to borrow $5,000. Two weeks passed without any notice, so I called them. The SoFi Rep said something like, "Oh, we are waiting for the credit bureau reports. Your credit rating has a freeze on it, so we cannot move forward until you unfreeze it." I let the Rep know how unhappy I was that SoFi had not contacted me about this issue. While I was on the call with SoFi I logged into my Experian account and removed the "freeze." My account had been frozen since 2024. I let the young man know that I was not happy with SoFi - I needed to get this loan going because I had a contractor doing some upgrades on my house...I would need to pay him. Today (July 31) I got a PDF letter via email from SoFi to let me know they have denied my load application! The only reason they gave was that I had "too many credit inquiries lately." I just called SoFi and got a supervisor on the phone. She was the first SoFi Rep (this was my fourth phone call) that spoke English as their first language. She did a good job, but would not give me ANY reasonable answers to my questions. It appears to me that she has a script to read and cannot go beyond that script. My questions: 1. How many credit inquiries is "too many?" Response: the credit bureau companies all reported this. I called Experian immediately after my final call to SoFi and asked their Rep the same question. He looked at my credit report and said that my "hard" credit check had only been tapped twice: by Sam's Club and SoFi - twice! 2. So my credit score is 832. How did I get a score that high? She gave me no answer. My guess? That is NOT on her script. Many of you reading this review might wonder: "How could they deny this guy a personal loan when he has a 832 credit score?" That was my third question...crickets..."too many" credit checks! 3. Why did SoFi "pre-approve" me almost immediately (with a "soft" credit check - my guess is they only saw my number)? The supervisor did not have an answer. I asked her twice and let her know that I KNOW why they do this. She never gave me an answer! My answer is "Sales/Marketing." When I saw this pre-approval I figured I would get the loan which meant that I would not need to go get other options. This pre-approval is a ploy to get your business...to make sure you do not go elsewhere which would mean they lose your business. I also called TransUnion - useless. I asked him how many inquiries is "too many?" His response: "more than 2-4." What a stupid answer. The rep would not answer any questions, similar to the SoFi supervisor. He kept saying "protocol" will not allow me to tell you...(something I had asked about). I asked him if this protocol is the policy of TransUnion or the law? He gave me a non-answer so I asked again. His second answer sounded like a politician. That is when I knew it was NOT against the law - and I said that to him. I got silence. He did tell me that if logged into TransUnion (I have an account) I could see it all. Well, it turns out that I have had several credit inquiries: home insurance, car insurance, my cell phone company...there is no end to it. After my experience AND reading some of the other reviews on this site...I would NEVER use SoFi for a loan. My opinion would likely be more positive IF SoFi would have done a better job of communicating with me. Why would they not call me to ask specific questions about my credit rather than just deny me? I would also say that credit score should be more important than having "too many" inquiries. I have a good credit score because I have lived my life by paying my bills on time and paying for my credit purchases.
Reply from SoFi2026-08-01
Hi Al. We're sorry for the frustration with your loan experience and the communication along the way. Lending decisions are based on a variety of factors, so even applicants with excellent scores can be declined. While a high score reflects a strong payment history, there's more to the overall picture than that one number. We also understand the pre-qualification felt misleading, but it's based on a soft check and isn't a guarantee of final approval. We appreciate your feedback, and we'd be glad to look into your case further. To speak with an Account Manager directly, you can reach one here: https://sofi.app.link/e/echat
This was one of the easiest processes
This was one of the easiest processes I have done for such an important venture. I had my dept consolidated with a much lower interest rate than I had expected in very little time.
The process was seamless
The process was seamless fill out the application with what I needed, and I was approved and within days the process have begun and action took place. The money was dispersed. The account was taken care of and now repayment begins.
The experience was great cause the…
The experience was great cause the application was easy and it give you a couple more options for the loan..A peace of mind personal loan that's fits you
Easy process
Applying for a loan was super easy and fairly quick. I would definitely come back here if I need another loan in the future. I got great rates and was so grateful for the loan.
Smooth Process
This process was easy and fast. I highly suggest working with SOFI for your borrowing needs!
Well it was quick and easy to get the…
Well it was quick and easy to get the funds, took a little longer than I expected, two days. Great app, started a crypto and savings account too!
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