SoFi Personal Loans Reviews

If you like your sanity, do not, under any circumstances, do anything with SoFi. They were great when they were just starting out as a company, but have absolutely gone down the drain. I refinanced my house with SoFi after a reasonably smooth student loan refinance process. It took two and a half months of back and forth with people who had absolutely no idea what they were doing. I was sent forms marked INTERNAL ONLY- when I argued that I had no idea what some of the terms on the form were (because they referenced INTERNAL PROGRAMS AT SOFI), the underwriter argued with me and basically called me an idiot. She then went behind my back and harassed my HOA to get this wrong form filled out. I had to get to the point where I refused to speak to her and would only work with her slightly less incompetent manager. We had to push the closing twice because the underwriter was so slow and so bad at her job. Then, the morning of closing, I'm told they're sending a lawyer and that I need a witness to the paperwork. Gee, that would have been nice to know the morning of. 

It was an absolute train wreck, start to finish. Go anywhere else. 

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I have had 2 loans with Sofi and both loans were approved in minutes with absolutely no hassle. I received very low interest rates as well. Outstanding company that I would recommend to anyone. 

I go a recommendation from CreditKarma to use Sofi to consolidate my debts with a personal low interest loan.  They were right it was quick and easy and I got a lower finance rate then the others like Upgrade for example because I did have an excellent credit rating.  I would refinance with Sofi again if I needed to do so.  Thank you Sofi you freed up a $927 monthly loan payment that goes back into my checking instead of paying another loan.

SoFi is really is easy to work with and they offer a lot of services that are helpful. Since becoming a borrower I have refinanced to adjust for living in a more expensive part of the country and I have started using their savings and investing accounts. There loan rates are not the abosulte lowest but no underwriting / origination fees are really helpful along with no prepayment penalties. 

This is crap from lenders, I do not recommend running your credit with this institution

I wanted to get a loan to refinance credit card debt at a better interest rate.  I decided to apply for the loan before my credit moved into the excellent category (as I wanted to try for a better rate) but decided to go ahead as part of my debt paydown plan.  The application process was very easy and not tedious.  It did take longer to get approved than stated, but that was partially due to needing to use a more recent pay stub, and verify my income.

Customer service was very knowledgeable, and helped me make a slight adjustment to the loan to get the terms I wanted.  Interest rate is not fantastic, but it beat some of the other competitors who charge fees, and it is much better than the 27% or more I was paying on a discover card. Once the loan approved, the funds were deposited the next day, and I immediately began paying off the credit cards; which has already greatly improved my credit score, and put me in a better position to refinance my home mortgage soon!

I spent months looking at loan options and offers from other lenders, and I would definitely recommend SoFi to others.

I had a great credit score but still received a loan with a higher interest.  Check around