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.
Kait was incredible! Very helpful and patient helping me with the documents I needed.
Hi Jay, thank you for your review! We're so glad Kait was able to provide helpful and patient support throughout the document process. We’re proud to have team members who make refinancing feel easier every step of the way.
Stan was great helping us settle with everything. Great experience!
Hi Gordon, thank you for the review! We're happy to hear you had a great experience and that Stan was helpful throughout the process. We appreciate you choosing ELFI!
The process was smooth and the communication from Stan was great.
Hi Codi, thank you for sharing your experience! We're glad the process went smoothly and that Stan kept communication clear and consistent. We’re happy to have been part of your refinancing journey.
I highly recommend ELFI for your student loan consolidation and Jeremiah Simmons in particular. Jeremiah was quite patient with me walking through the steps to secure the loan. He kept in touch when more documentation was required and easily reachable by phone and email. Very good experience overall.
Hi Jacob, thank you for the great review and recommendation! We're so glad Jeremiah was patient, communicative, and supportive throughout your consolidation process. It’s wonderful to hear you had a positive overall experience with ELFI.
The process is fairly simple. Wait time was approximately one week. Disbursement was two weeks after initial contact. I’m very pleased with the service I received from ELFI. I would recommend them.
Hi BL, thank you for your review! We're glad to hear the process was simple and that you were pleased with the service and timeline. We appreciate the recommendation and are happy ELFI could help with your refinancing.
The whole process was fast and seamless, the instructions were clear. The person assigned to help on my case was very helpful.
Hi Taylor, thank you for sharing your fast and seamless experience with ELFI. We are glad to hear Didier was helpful and made the process clear!
It was an easy process and finally after years and years of not even making a dent in my student loans, I saw my balance finally decrease after 1 month. The people were great to work with and the entire process was an excellent experience.
Hi Debbie, thank you for sharing your excellent experience with the ELFI team and our process! We’re thrilled to hear we could make a positive difference for you and your loan situation!
Didier Leclaire was wonderful to work with and was extremely helpful every step of the way!!
Thank you for sharing your positive experience with ELFI, Erin! We are delighted to hear Didier was wonderful to work with and very helpful during the process!
Working with this company for my student loan refinancing has been a very smooth process. My advisor, Stan, was extremely responsive and helpful. I was able to cut my student loan payment by more than 50%, which is amazing. I would definitely recommend this company to others.
Thank you so much for sharing your smooth experience with ELFI! We are glad to hear Stan was responsive and helpful, and you were able to cut your student loan payment in half!
Smooth great experience. Josh was great
Thank you for sharing your great experience! We're glad to hear Josh was helpful in assisting you!
I had a unique employment situation going into my refinancing, and the ELFI team (Stan, in particular) were so helpful and accommodating. I was able to secure a good rate and 1/2 my monthly student loan payment.
Hi Micaela, thank you for sharing your positive experience with ELFI! We are glad to hear Stan was accommodating of your unique situation and helped you secure a good rate and half your payment!
Amazing customer service and transparency for the process.
Thank you for the great compliment, Sandra! We are glad our customer service and transparency made your process amazing!
Excellent customer service. Responsive, helpful, trustworthy. Happy to week with ELFI.
Thank you for the fantastic compliment, Nik! We are glad our customer service was excellent and are happy to hear you enjoy working with ELFI!
Jeremiah Simmons was responsive and helpful. Every question I had, he immediately answered. He was able to get me the exact loan I was looking for.
Hi Jeffrey, thank you for sharing your great experience with ELFI! This is a great shoutout to Jeremiah and his excellent customer service!
This is the second time I've used ELFI for my student loan refinance and they have been great to work with both times. I worked with Stan this time and he was very kind, supportive, and proactive. He requested documentation of common information that is often needed beyond the initial application information. Because of this, I was able to request the needed documentation and get it in a much quicker time frame than if we had submitted the application and waited for underwriting to come back asking for the information. I would highly recommend ELFI to anyone looking for student loan refis.
Hi Shannon, thank you for returning to ELFI and for sharing such thoughtful feedback! We're so glad Stan made the process even more efficient by helping you get ahead of the documentation. It means a lot that you’ve trusted us twice and would recommend us to others — we appreciate it!
Erik was cool. The process took longer than I expected, but communication was quick and clear.
Hi Kiri, thank you for your review! We're glad Erik provided clear and responsive communication throughout the process. We appreciate your patience and are happy you chose ELFI for your refinancing needs.
Refinancing was so easy, and the interest rates can't be beat. Overall, great experience!
Thank you for your review! We're happy to hear that refinancing was easy and that you found a great rate. It’s great to know you had a positive experience with ELFI from start to finish.
Very efficient and responsive ELFI reps. Easiest refinance I’ve ever done
Thank you for the kind words! We're thrilled to hear this was the easiest refinance you've ever done and that our team was efficient and responsive throughout. We're glad ELFI could make the process smooth for you.
Erik Hill was fantastic and I am very happy with my interest rates!
Hi Jacob, thank you for the great feedback! We're so glad Erik provided a fantastic experience and that you're happy with your interest rates. We appreciate you choosing ELFI!
I was initially denied by a recommended company. I then Did my research and found Elfi. I’m so glad that I did. Refinancing my student loans is one of the best things I could’ve done for myself. The staff and support received was by far exceptional.
Hi Sharde, thank you for the amazing review! We're so glad you found ELFI and that refinancing turned out to be such a positive step for you. It’s great to hear our team provided exceptional support throughout the process.
62 reviews matching