ELFI (www.elfi.com) has a 5.0 out of 5 rating on OK.one, based on 62 user reviews collected here. It is listed under Money & Insurance and its reputation is excellent. Praise is nearly unanimous, with 100% rating it 4 stars or higher; 17 of them were added in the last 12 months. Last updated 2026-08-10.
Stan has been wonderful to work with. He’s been great at communicating and very easy to reach, and he helped with any questions I had throughout the application process.
Hi Ethan, thank you so much for taking the time to share your experience! We’re thrilled to hear that Stan provided such exceptional service during your application process. Thank you for choosing ELFI!
Erik was patient and most helpful through the loan process.
Hi Christa, thank you for sharing a 5-star review! We're so glad Erik was able to support you throughout the loan process. We appreciate you choosing ELFI.
We had some ups and downs with all the paperwork, but in the end all worked out and we were able to refinance our college loans into one loan. Erik and Didier really helps us a lot.
Hi Melyndie, thank you for sharing your experience! We’re glad everything worked out in the end and that Erik and Didier were able to support you through the process. Congrats on your refinance, and thank you for choosing ELFI!
Ryan Cooke handled my student loan refinance. He kept me up to date each step of the way and responded to emails in a timely manner. The process with ELFI was very easy.
Hi Ben, thank you for your review! We’re so happy to hear you had a quick and easy application process and that your loan officer provided an amazing experience. We’re proud to make refinancing as smooth and supportive as possible.
Samuel Watson was very helpful and very patient with me in my struggle to get the requirements for the loan.
Hi Brian, thank you for your review! We're glad Samuel was able to support you throughout the loan process. We appreciate you choosing ELFI!
I enjoyed the phone call. I wish we had more of this today.
Hi William, thank you for your review! We're glad you enjoyed the call and appreciate you sharing your experience with ELFI.
Erik Hill made the process simply and easy. He was able to help me lower my monthly payments and reduce my interest rate drastically. The ELFI team was very quick to respond to any questions I had come up.
Hi Cameron, thank you for your review! We're so glad Erik was able to make the process simple and help you lower your payments and interest rate. We’re also happy to hear the ELFI team was responsive and supportive throughout. Congrats on your refinance!
Refinancing with Elfi was super simple, and I’m glad I chose Elfi, most importantly - because their customer service is top-notch. Years after paying off my loans, Mohela changed their accounting systems, and my loans seemed to reappear magically - this was very stressful. But a specialty servicing coordinator, Morgan McWilliams, really helped me resolve the matter by proactively following up with Mohela for OVER A YEAR. Her dedication to advocating for my case and the support of Ivan Marcinko, Director of Operations, made me feel special and taken care of. Thank you so much for all your hard work and dedication!
Hi Samuel, thank you for your incredible review! We’re so glad you chose ELFI and that our team could support you not just through refinancing, but even years later. It’s wonderful to hear that Morgan and Ivan provided such dedicated, ongoing service — we’re proud to have them on our team and grateful they could help resolve such a stressful situation. Your feedback means a lot!
Erik was extremely helpful and made the refinancing process simple and less intimidating. I am going to refer my brother to ELFI to help refinance his as well.
Hi Reese, thank you for referring ELFI to help refinance! We are so glad to hear that Erik was extremely helpful and made the refinance process simple!
Hi Joao, thank you for sharing a five-star rating for ELFI! We are glad to hear you found it easy to apply and experienced great service from our team!
Stan Mitchell was phenomenal during this experience. I had no worries or doubt along this process.
Hi Shontinika, thank you for sharing your phenomenal experience with ELFI! We are so glad to hear Stan Mitchell made the process so easy and amazing for you!
Refinancing my student loans was extremely easy and I got a fantastic rate. This is the second time I have used ELFI and once again they have proven to me that they are the best in the industry.
Hi Evan, thank you for coming back to ELFI and for the kind words! We're thrilled to hear that the process was easy and that you secured a fantastic rate. It's great to know we've earned your trust a second time and continue to stand out in the industry.
Quick and easy application process. My loan officer was AMAZING!
Hi Nicholas, thank you for your review! We’re so happy to hear you had a quick and easy application process and that your loan officer provided an amazing experience. We’re proud to make refinancing as smooth and supportive as possible.
Jeremiah Simmons was an excellent help throughout the application process. He was concise and communicative.
Hi Vaughn, thank you for sharing your great experience with ELFI and our servicing team! This is a great shout-out to Jeremiah for his concise and communicative help throughout your application process.
I didn't realize how much I was losing with my student loan, I applied for refinancing and was approved the same day with a third of the interest rate and my monthly payment almost cut in half! I am so relieved, my monthly payments before were a huge strain on me. I haven't gotten everything switched over yet so I can only review the process before the disbursement to my old lender, but so far it's been great. An employee (Stan) emailed me immediately and gave me genuine information and replies, rather than them having an auto generated email to applicants. I am super relieved and happy to have found ELFI.
Hi Amanda, thank you for the thoughtful review! We're so glad you found ELFI and that refinancing helped lower your interest rate and monthly payment. It's great to hear that Stan provided clear, personal support throughout the process. We’re excited for you to experience the full benefit once everything is finalized and appreciate you sharing your journey so far.
I worked with Stan Mitchell to refinance my loans from 10 years before, lowering my required payments and interest rates at a time when my income and credit score had improved quite a bit. I refinanced 60k and paid it down in 3 years; it wasn't easy! Afterward, I paid down all my Stafford Loans (an additional $25k) and got a mortgage on my first home, with 20% down. I really appreciate how Stan made the experience easier with all the documentation needed. He was responsive and helpful beyond the call of duty.
Hi Nathan, thank you for sharing your journey with ELFI! We're so glad Stan was able to support you through refinancing and make the documentation process easier during such a pivotal financial time. Congrats on paying down your loans and purchasing your first home — that’s an incredible achievement, and we're honored to have played a small part in it.
Process was incredibly straightforward, and the customer service was EXTREMELY helpful. I will be recommending ElFi based on my experience
Hi Ryan, thank you for the great feedback! We're so happy to hear the process was straightforward and that our customer service team was extremely helpful throughout. We truly appreciate the recommendation and are glad you had a smooth experience with ELFI.
They had the best interest rate, which was the initial hook. Then, the whole process was quite seamless. I worked with someone named Stan who was extremely kind, communicative, and understanding. Would recommend ELFI to anyone looking to refinance their loans.
Hi Trey, thank you for sharing your experience! We're thrilled to hear you found a great rate and that the process was seamless from start to finish. It's wonderful that Stan provided such kind and communicative support. We truly appreciate the recommendation and are glad ELFI could help.
It was very easy and fast to get the loan set up
Hi Kimberly, thank you for the review! We're glad to hear the loan setup process was easy and fast. Making refinancing simple and efficient is exactly what we aim for at ELFI.
Erik made the process simple and quick! I was able to refinance my student loans in a couple days and lower my interest rate by 2%! Very easy process that I would recommend everyone with loans look in to!
Hi Liv, thank you for the kind words! We're so glad Erik helped make the process simple and quick, and that you were able to lower your interest rate by 2 percent. We appreciate the recommendation and are happy ELFI could support you in refinancing your student loans.
62 reviews matching