SoFi logo
Visit website

SoFi Reviews 

13,523
•
TrustScore 4.5 out of 5

4.3

Financial Institution
Write a reviewVisit website
Write a review

While we don't verify specific claims because reviewers' opinions are their own, we may label reviews as "Verified" when we can confirm a business interaction took place. Read more

To protect platform integrity, every review on our platform—verified or not—is screened by our 24/7 automated software. This technology is designed to identify and remove content that breaches our guidelines, including reviews that are not based on a genuine experience. We recognise we may not catch everything, and you can flag anything you think we may have missed. Read more

Review summary

Created with AI, based on recent reviews

Looking at 3,463 reviews, reviewers overwhelmingly had a great experience with this company. Customers frequently praise the seamless and efficient loan application process, noting that funds are successfully deposited into their bank accounts exceptionally quickly. Many people also strongly appreciate the clear communication and friendly staff who make managing debt consolidation a straightforward and pleasant experience. However, some people mentioned that customer support was unresponsive and failed to provide any proper answers or timely updates during their process. A few other consumers also noted unexpected rate increases after submitting their applications or faced challenges when trying to qualify for their preferred terms.

What people talk about most

User experience

Reviewers highlight positive aspects of user experience, describing the application process as fast, smooth,... See more

Payment

Reviewers mention ambiguous feedback about payment, highlighting both highly efficient experiences and... See more

Service

Users describe positive interactions with service, highlighting a quick, efficient, and exceptionally easy... See more

Customer service

Customers had ambiguous experiences with customer service. While many reviewers praised the responsive staff... See more

Price

People report ambiguous experiences with price, featuring both strong praise and severe criticism. Many... See more

Reviews shaping this summary

Rated 5 out of 5 stars

One of the smoothest processes I’ve ever went through getting a personal loan. The website was easy to use and uploading any information they needed was a breeze. Very fast and responsive customer ser... See more

Rated 5 out of 5 stars

I’ve never had a more perfect experience. I applied for a personal loan and within seconds I was given a pre approval. Then next day my loan was approved, and the funds were in my account within hours... See more

Rated 5 out of 5 stars

Sofi made it easy to be approved. Once approved I was given options on to pay an origination fee or pay a little higher interest rate. I was able to save 1/4% by choosing to have the payment drafted f... See more

Rated 5 out of 5 stars

I was approved for what I actually needed the loan for—paying off high interest credit card debts. Another company advertised paying off debt as the reason I should apply for their loan, but then deni... See more

Company details

  1. Financial Institution
  2. Bank
  3. Investment company
  4. Savings Bank

About SoFi

Written by the company

logo

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:

Plus, 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 discounts
Visit SoFi

INVESTMENTS ARE NOT FDIC INSURED • ARE NOT BANK GUARANTEED • MAY LOSE VALUE

Terms 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

equal housing lender

Contact info

4.3

Excellent

TrustScore 4.5 out of 5

14k reviews

5-star
4-star
3-star
2-star
1-star

No recent history of asking for reviews

This company hasn't invited customers recently, so reviews may not be representative

At Trustpilot, it's all about human content. This business can also access our AI-assisted response tool which helps them draft replies.

How this company uses Trustpilot

See how their reviews and ratings are sourced, scored, and moderated.

4.3

All reviews

(13,523)

3,429 reviews in the last 12 months

Write a review
Companies on Trustpilot aren't allowed to offer incentives or pay to hide reviews. Reviews are the opinions of individual users and not of Trustpilot. Read more
Rated 5 out of 5 stars

My experience was great

My experience was great. Doing the loan was easy and not hard to do. Once you are approved the loan goes to your bank within the next day. It was really a smooth transaction to the end.

31 August 2026
Unprompted review
Rated 5 out of 5 stars

The process was absolutely exceptional…

The process was absolutely exceptional & from start to finish completely hassle free and transparent, with no hidden surprises or complicated paperwork. What impressed me the most was how incredible quick the approval & funding turnaround times, also managed to obtain a great rate, I highly recommend their lending service to anyone looking for a reliable and fast personal loan solution.

19 July 2026
Unprompted review
Rated 5 out of 5 stars

SOFI was quick and easy!made the experience so simple that…

SOFI made the experience so simple that I was surprised on how fast and so little need of multiple pages to fill out and then bam ready for signature and done. I had tried other online sites and they had interest rates so high I just couldn't make a dissision to keep going to sign. It was fast and simple and never asking if I had collateral to offer. Best experience for a loan I've ever had, thanx!

1 September 2026
Unprompted review
Rated 4 out of 5 stars

I love that there is an app that I can…

I love that there is an app that I can manage my bill and make my payments. What I wish were different is being able to select a different date on the app or website to make my payment. I want to set my own date according to when I get paid. I don't want a set date that you have to make the payment. Give me options!

5 September 2026
Unprompted review
Rated 5 out of 5 stars

It was easy and fast

It was easy and fast. All transactions were done online. No annoying phone calls and once approved money was in my bank within a couple of days. Thank you!

27 August 2026
Unprompted review
Rated 5 out of 5 stars

Easy Process

The process for the loan application and approval was quick and easy to follow. the speed of the process was great.

3 September 2026
Unprompted review

The Trustpilot Experience

Anyone can write a Trustpilot review. People who write reviews have ownership to edit or delete them at any time, and they’ll be displayed as long as an account is active.

We use dedicated people and clever technology to safeguard our platform. Find out how we combat fake reviews.

Learn about Trustpilot’s review process.

Here are 8 tips for writing great reviews.

Verification can help ensure real people are writing the reviews you read on Trustpilot.

Offering incentives for reviews or asking for them selectively can bias the TrustScore, which goes against our guidelines.

Take a closer look