SoFi Reviews 10,597

The experience online, I received in receiving a personal loan was awesome and easy. Completed the application online and within a day or so I was approved. I think it took longer because they neede... See more

My personal loan experience with SoFi was truly life-changing. The application process was simple and seamless, and the funds were delivered swiftly at a 5% interest rate. This was more than a blessin... See more

Sofi customer service very helpful, easy process, it is life changing for us. Consolidate all credit card debts becomes just one loans. We put application online and three day later we got approved wi... See more

Although very impersonal I was impressed how quickly this was accomplished . However there was a loan shock to this transaction! It wasn’t made clear not only by the advertising but in a non vocalized... See more

Sofi Bank software has issues. I have been trying to get access and Customer Service, Engineering, all have tried for over 24 hours and cannot resolve my issue. You cannot withdraw your funds. This i... See more

Complete waste of time – denied after weeks of hassle 788 FICO, excellent credit, stable job. Applied for a SoFi personal loan thinking it’d be quick. Instead: over a week of endless document re... See more

I came to SOFI as a credit card holder and eventually came over as an online banking customer. Recently i went to get a cash out refi on a property that i own free and clear. I also have perfect credi... See more

Extremely easy application process , funding and approvals happened quickly less than 24 hrs , by 1week all my elected payoff accounts were directly paid off :). I’m now down to tracking 1 account ins... See more

Terrible customer service. They wouldn't even talk to me unless I sent a picture of my drivers license to a random stranger in India, which I refuse to do ! On top of that they informed me that... See more

The process for applying for the loan was smooth, simple and above all else INSTANT!!! I cannot stand in today’s day and age getting the “we will contact you with our decision” message when applying f... See more

I’ve always gotten loans offers in the mail & it was never the right time. Just so happens I wanted to concentrate my bills & I was able to take advantage of a pretty low & decent interest rate & it w... See more

I got my phone stolen in Brazil and they got into my Sofi account and zelled out 1,000 dollars. I filed a police report and after a month of battling to get refunded Sofi refused because they are sayi... See more

It was easy to apply the terms and offers were very clear and we able to make a decision that best fit our budget yet did not have a hugely long payback period. Once approved, funds were made availabl... See more

Excellent and fast service. I consolidated 14 credit cards. Easy setup for automated pay monthly. Great rates. Instead of 7 years to payoff I'll be done in 2. Doing everything online was fantastic.... See more

$500.00 minimal mobile checking deposit after more than 5 years of banking with Sofi, what a slap in the face of anything respectful and or decent. I will spend the rest of my life doing anyth... See more

Find another financial institution. Uploaded my check studs which clearly show my yearly income 100k a year. Just to receive a email saying I need to upload more documents to breakdown how I’m achievi... See more

Fast Funding for an emergency home repair it what make Sofi great. If you think this is a lowest interest loan keep looking, Sofi is when emergencies arise like home repair it is handy for fast fundi... See more

They have television ads with supposed customers saying that they have over 50,000 in credit card debt. If that was the case, then there credit score would be low. I have less than 18,000 in debt and... See more

Started a Heloc app and completed everything that was asked of us. No follow up or response from Loan Officer A. Cummuta. Total waste of time and effort. As someone who has worked my whole life in cus... See more

I have had 2 loans and always paid on time but Sofi continues to refuse to give me another loan because I have too many credit inquiries on my credit report even though my score is 720. I will never d... See more

Signed up and meet the requirements for Sofi Plus. Each month they change their terms to make it more difficult to qualify without paying a fee. I dread their emails as almost always it’s a reduction... See more

I was honest about a dispute, and they honored the merchants defense but failed to come back to me for a response, although I had initially sent proof with my dispute. And now because I didn't pay th... See more

I went to the website after receiving a letter in the mail to check loan options. After an hour with the website, I got an error message stating "we're having trouble with a third party vendor" an... See more

SoFi does false advertising. They have been sending me letters emails and texts advertising really attractive rates for student loans, between 4 - 10%. With a high credit score, 800+ and a very good D... See more

Horrible experience 10 out 0f 10 dont recommend it took us 3 weeks and ended up canceling our loan because our loan office cesar arredondo would not return our calls or emails. We even reached out to... See more

SoFi was great, until I needed access to my money. Recently lost my job and rolled the funds from my 401k to SoFi, a simple enough process. Unfortunately, after the third month without finding any w... See more

I’ve borrowed from SOFI multiple times in the past. Each time, I made every payment on time and even paid the loans off early. Despite this solid history—and a credit score around 800 and a heal... See more

Sofi can start by getting rid of their Dumbbot. Here's stupidity at it's finest: If you don't have direct deposit you can't set up Zelle to send or receive payments .... and the Dumbbot can't help a... See more

This lending institution misleads you with their so-called pre-approvals just to get you to agree to a hard inquiry. There is no personal interaction with the underwriter whatsoever. It doesn't matter... See more

Apparently, SoFi's version of “financial expertise” includes not knowing how to add. Despite multiple income documents, they insisted I earned $20,000 less than reality. I submitted everything they... See more

Worst Bank experience ever. Our account was frozen for over 20 days, not allowing us to access the account due to "fraudulent" activity. Sofi then closed our account without warning and sent a check i... See more

No better or any more honest than Wells Fargo. Their teaser promotional offers to open an account with them are fraught with all kinds of conditions, qualifiers and fine print that few people wil... See more

I received an Advertisement from SoFi Bank to transfer $ and for New customers I would receive a 4.3% interest rate on my Savings account. So I transfered $$ and within less than 4 weeks my interest r... See more

They promote high APYs for their high‑yield savings accounts, but they do not make the requirements clear upfront. After opening and funding the account, I learned that this alone does not qualif... See more

Zero Stars: SoFi Froze My Life and Withheld My Funds I had the worst experience imaginable with SoFi. Without any prior notice or explanation, they closed my account and immediately blocked my ac... See more

I would steer clear of this disorganized company. They offer total chaos and confusion. Unless your idea of a smooth process is being asked to upload the same documents every day.... Literally... See more

SoFi made the loan process incredibly simple and efficient. I was approved quickly, handled everything online, and didn’t need to speak with anyone. The money was deposited into my account the next da... See more

This entity is great to build and monitor my credit credentials. The only caveat is the fact that I misplaced my old email address, I couldn't retrieve my score. This company may want to fix glitches,... See more

I set up a banking/investment account with SoFi specifically to invest in stock only available through there brokerage. I transferred $1,000 from my US Bank account to test their systems and to get s... See more

I am so glad I finally decided to give SoFi a try! I read reviews and decided to see if I was going to be approved, with no harm to my credit, to atleast see my options first. I was blessed to be appr... See more