SoLo Funds (solofunds.com) has a 4.6 out of 5 rating on OK.one, based on 104 user reviews collected here. It is listed under Money & Insurance and its reputation is excellent. Praise is nearly unanimous, with 91% rating it 4 stars or higher; The business has replied to 88% of negative reviews. Last updated 2026-08-10.
When I first signed up I was hesitant about using it however I did and I have to say they are theee best. Will use them over a payday loan place.
Dear Murphy, We do not take it for granted that you trusted us with your financial needs. We are pleased you joined our community and we look forward to helping you meet your goals again. Thank You, SoLo Community Expert
I'm very glad that this particular app is a community that operates with the mentality of ethical teamwork!
Dear JW, We're grateful to hear that you value the community-driven spirit of SoLo. Building a platform centered on people helping people is at the heart of what we do, and we're so glad you've had a positive experience. Thank you for being part of the SoLo community! Thank You, SoLo Community Expert
It didn’t take long for anyone to fund me the funds at all. I was totally amazed. I would definitely use this app again.
Hello, We're so glad to hear your request was funded quickly and exceeded your expectations. It's wonderful to know SoLo was there when you needed it, and we truly appreciate your trust. Thank you for being part of the SoLo community, we look forward to helping you again whenever you need us! Thank You, SoLo Community Expert
Amazing! I was able to get a loan and it keep increasing after paying on time.
Dear Samantha, We're so glad to hear you had a great experience and that making your payments on time has helped you build your SoLo Score and access higher loan amounts. We appreciate you being part of our community and thank you for choosing SoLo! Thank You, SoLo Community Expert
Dear Mark, We're so happy to hear you found SoLo easy to use and safe. Providing a simple and secure experience for our community is important to us. We appreciate your support and thank you for choosing SoLo! Thank You, SoLo Community Expert
appreciate that the app still gave me an option and approved me for a smaller amount when I wasn’t approved for the higher loan. The process was quick and easy. It would be helpful if there were more clarity on what factors affect loan amounts and how to qualify for higher limits.
Hello, We're glad the app was able to offer an alternative option and that you found the process quick and easy. We also appreciate your suggestion about providing more clarity on loan amounts and qualification factors. Feedback like yours helps us continue improving the experience, and we'll be sure to share it with our team. Thanks for being a valued member of the SoLo community! Thank You, SoLo Community Expert
Hello, Thank you for your continued support. We're incredibly grateful that you've chosen to share your positive experience with Solo. Being part of our community inspires us to constantly strive for excellence. If there's anything else we can do to assist you, please let us know. Thank You, SoLo Community Expert
When I first came across Solo Funds, I thought it was too good to be true and that there’s no way it would be as simple as just borrowing some money and being able to pay it back with no catch. But I was proved to be wrong because it is just that simple! Being able to borrow funds when it’s needed (whether it be to reward for good grades or to help buy school supplies or repair repairs for the car) in the process is so easy and the funds become available almost immediately. The amount you’re able to borrow starts small because obviously they want to see your trustworthy person to pay back but every time you pay back a loan on time or even early they increase the amount you can borrow for the next time. It’s just really reassuring to know that this is a possibility if needed and I’m very thankful for it
Dear Jillian, Thank you for taking the time to share such a thoughtful review! We're so glad your experience with SoLo exceeded your expectations and that the platform has been a reliable resource when you needed extra support. It's wonderful to hear that the simple process, quick funding, and opportunity to build borrowing power through responsible repayment have made a positive difference for you. Thank you for being a valued member of the SoLo community—we truly appreciate your trust and look forward to continuing to support you whenever you need us! Thank You, SoLo Community Expert
It was there when I needed it no hassle no problems and it was fast
Hello, We developed SoLo to help people using something different, something more human, and we are glad to hear from you that it works. We were tired of financial services not designed for our needs and the lack of transparency, simplicity, and unfair terms. Thank You for being part of our community where people support each other. Thank You, SoLo Community Expert
My home was condemned and I was suddenly left with no where to go. Within an hour of posting my loan was approved without question... For that, there is no way to measure how grateful I was... An am... Hope to become a part of this movement for financial freedom, for the people,. By the people🙏💪💯
Dear Michael, Thank you so much for sharing your story with us. We're truly sorry to hear about the difficult circumstances you faced, but we're grateful the SoLo community could be there for you when you needed support most. Your words mean a great deal, and we're honored to be part of your journey. We appreciate your desire to give back and help others in the future—that spirit of people helping people is at the heart of SoLo. Wishing you all the best as you move forward, and thank you for being part of our community. Thank You, SoLo Community Expert
Quick funding, easy process overall!
Dear AlabamaGal, Thank you for your positive feedback. We're thrilled to hear that Solo met your financial needs. Your feedback is invaluable to us and plays a crucial role in helping us enhance our offerings. We look forward to the opportunity to serve you again. Thank You, SoLo Community Expert
People arent paying back loans. you want me to fund 20 people a month but only half of them pay back. it wouldnt be bad if you reimburse the full amount back. im going to keep giving 1 star until i see change
Dear David, We understand how frustrating it can be when borrowers don't repay their loans, and we appreciate you taking the time to let us know about your experience. Supporting lenders is important to us, and we recognize your concerns about repayments and reimbursements. Non repayment is not the behavior we encourage in our community. That is why we offer SoLo Loan Protection (SLP) in case of non repayment. We also deter such borrowers by blocking them from the platform while we make best efforts to recover the funds for our Lenders. Thank you for being part of the SoLo community and for sharing your perspective. Thank You, SoLo Community Expert
Fast, simple process
Hello, We always love to hear from you. Your insights are essential in helping us enhance our products and services. If you have any other suggestions or areas where you think we could do better, please feel free to share them with us. Thank You, SoLo Community Expert
As a lender - this has got to be the worst app Imaginable. I have no idea how they can legally operate. Here’s a current example of how it really works. I loan Jennifer 650 dollars - in exchange for a 25 dollar tip. She has to repay in 2 weeks. Not a great tip but it helps her and I get a small return for my efforts. This is the best case scenario. Here’s the reality - if Jennifer doesn’t pay you back - you will never recover the money and solo charges u a recovery fee if the money is ever returned - which likely it won’t be . I have loans that are 3 years old and never paid back. But here’s the worst part. Let’s say Jennifer pays me back a couple days late - I as the lender have to pay 15 percent late fee. Yep!!!! If it’s more than 2 weeks late - I get charged a 30 percent late fee. As a lender - u cannot possibly win. It’s a complete scam. Currently- in that same scenario - I am being charged 69 dollars in fees for a single loan that is two days late you will not and cannot make a return. So options are A) person never pays you back- u lose your entire 650 B) they pay you back on time- you get a small return- most loans will pay you around 3-5 percent on the amount loaned. C) they pay you late - which then ends up being a loss for you - even if it’s late by 1 day. They will charge you a fee larger than your expected return - in most cases it’s about 2x. So in two examples - you lose. And if you do win- it’s a small win that can/will easily be erased by any issue. Worst part- you have no idea on the transparency issues - what if they are purposely making loans late - since they have incentive to make more money - you are not provided anything as far as their process and etc . You have no rights
Dear Gibbs, We understand how frustrating it is when a loan is repaid late—or not at all—and we appreciate you sharing your perspective as a lender. Lending through SoLo carries risk, and we recognize that repayment outcomes have a direct impact on your experience. Our recovery process is designed to help recover overdue loans whenever possible, but we know it can be disappointing when recoveries take longer than expected or are unsuccessful. Regarding late repayments and recovery fees, these are outlined in our platform terms and are intended to support the servicing and collection efforts associated with delinquent loans. We understand your concerns about how these fees affect lender returns, and feedback like yours is valuable as we continue evaluating the lender experience. We also want to address your concerns about transparency. SoLo does not benefit from intentionally delaying repayments, and we have no incentive to make loans late. Our goal is to facilitate successful transactions between borrowers and lenders while working to recover overdue payments when necessary. If you'd like us to review your account or discuss any specific loans, please reach out to our Customer Support team through the app so we can take a closer look. Thank You, SoLo Community Expert
Dear Toddrick, Thank you for taking the time to share your positive experience with us. We're pleased to hear that Solo made a difference for you. Your satisfaction is our top priority, and your review reaffirms the hard work we put in every day. We look forward to seeing you again soon. Thank You, SoLo Community Expert
Dear Kerrian, We'd love to see you again! We believe that staying connected is key to building a strong community. Follow us on social media and share your Solo experience with your friends. Our community is made up of people like you who want to help others, and we are grateful that you are a part of it. Thank You, SoLo Community Expert
I have tried to pay the loan of numerous times and it’s not working I tried to pay before numerous times before aug 3 and it wasn’t an issue with my bank. And my loan is been paid
Dear John, Thank you for reaching out. Our records show that you attempted to make a repayment on your loan but the transaction failed due to an issue with your bank card not being authorized for use and needing additional verification. The verification has now been completed on your debit card. We note that you attempted to make a repayment on Aug 3, 2026 but this also failed due to a restriction on your debit card. Kindly note, your loan is presently in delinquent status. You can proceed to make a payment or contact our Customer Support team for alternative methods of repayment. Thank You, SoLo Community Expert
Hello, We're delighted to hear you found the application process easy and were able to get funded quickly. We appreciate you being part of the SoLo community and are here whenever you need us. Thank You, SoLo Community Expert
Dear Tangie, We're happy to hear your experience was fast and easy. We appreciate you choosing SoLo and are grateful to have you as part of our community. Thank You, SoLo Community Expert
This is an Awesome app. This site helped me when I was in a bind and I am forever grateful. Solo you Rock!!!!
Dear Kimmie, Thank you for your wonderful review! We're delighted to know that you loved using Solo. Our team works hard to ensure our product meets your expectations, and it's great to hear that we succeeded. We look forward to serving you again. Thank You, SoLo Community Expert
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