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SoFi Reviews 

13,488
•
TrustScore 4.5 out of 5

4.3

Financial Institution
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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

13K reviews

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4.3

All reviews

(13,488)

3,429 reviews in the last 12 months

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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

SOFI Looks at You As a Person - Not a Calculation!

It took a few days longer with a system glitch that was not showing documentation received - but the support team was awesome - everyone I talked to - and I really appreciated SOFI helping me out despite not the greatest score at moment due to high vet bills &husband out of work a while in past year. I feel that SOFI looks at you as a person vs a calculation - thank you!

2 September 2026
Unprompted review
Rated 5 out of 5 stars

Applying was Easy!!

The whole process was done from my comupter. The user interface was responsive, the loan terms were explained without confusing hidden jargon, and electronic signing took less than two minutes.”

6 August 2026
Unprompted review
Rated 5 out of 5 stars

SoFi For All Future Loans

I applied for a large personal loan to pay off a high-interest credit card. The application and approval process was incredibly fast, and the interest rate I received was phenomenal. Any future borrowing I do will definitely be with SoFi. Thanks again for helping me relieve a massive financial burden!

29 June 2026
Unprompted review
Rated 5 out of 5 stars

The loan applicarion experience was…

The loan applicarion experience was easy and straight forward. I am happy with the overall process, loan amount and rate, customer service and ease of getting started. The website is also straight forward and easy to navigate.

4 September 2026
Unprompted review
Rated 5 out of 5 stars

This is my second loan with SoFi

This is my second loan with SoFi, and I’ve had a great experience both times. The whole process is simple, straightforward, and very fast from start to finish. Their technology makes everything easy, and the funding was much quicker than I expected.

What I really like about SoFi is that there are no games or unnecessary headaches. They helped me get a better rate and made the entire process stress-free.

I also appreciate that my information isn’t being sent out to a bunch of different brokers, leaving me with nonstop calls and questionable loan offers.

Overall, I’ve been very happy with SoFi and would definitely use them again. In my experience, they’re one of the best in the industry. Highly recommended!

6 September 2026
Unprompted review
Rated 5 out of 5 stars

Sofi gave me great approval through…

Sofi gave me great approval through Experian. Upon approval the funds were disbursed quickly. There were No fees to obtain the loan.
The online application was not extensive.
The interest rate was not too much.
When I contacted them the agent helped me to understand the process even better.
You have direct contact with a live agent

28 August 2026
Unprompted review
Rated 5 out of 5 stars

Fast and efficient

The loan application process was simple. I was able to review my offers and options to see which one fit my budget.

3 September 2026
Unprompted review
Rated 5 out of 5 stars

An easy experience

The entire process was very easy. I liked that the process was entirely online. The processing of the loan request was fast. The money was transfer to my account within 48 hours.

1 September 2026
Unprompted review

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