Social Finance - Healdsburg, California

Peter Hawj

I got a call from this number specifically telling me that they are from SOFI and asked me for my SSN with NO information of the purpose of their call. His excuses was, "I'm unable to disclose that until you inform me of your SSN". This is extremely poor as no information was provided to the reasons as to why they are giving me a call and just demanded my SSN. He refused to inform me the purpose of the call until my SSN was provided. As I refused, he said he'll provide an email instead in which I NEVER received an email from him later. This can easily be a scam and anyone can call and state that they are from SOFI and demand for personal/sensitive information.

Omar Ramos

I'm a big fan hands down. I consolidated may credit card loans under SoFi a couple of years ago. Their interest was much lower than what I was able to shop around for and their terms were decent. The process of getting approved was much faster too.

I eventually paid off my consolidated loan but become a customer of their "money" feature (which is a bank basically). I love it because they reimburse you for any fees you pay to access your money. The only down side is how fast transfers between my SoFi account and my Chase account move.

The other big perk, which take the cake, is their access to their services. I used their Career Coaching services. I had been in same position as a senior analyst for almost four years and I wasn't sure if I wanted to apply for a management position within my agency. After speaking to their career coaching services, I realized I had nothing to loose and she even help me visualize my interview along with a visual resume to bring to the interview. Needless to say, I nailed the interview and got the promotion. "Perks' like this one made me a solid and loyal customer. I would definitely recommend SoFi to anyone.

William Miller

I called the number listed in the home loan section of their website and got a representative by the name of Bill-I asked him a question about who to contact about loan servicing. After not knowing the answer to my question I asked if I could speak to a manager or someone who might know. After all, this was the home loan number. He said "I don't work in home loans, I just answer the phone & we had a shake up last week and I don't know who is in charge" LOL He said and I quote: "no one can help you" I told him I thought that was an odd thing to say to a customer and then asked if he could look up a contact or provide a phone number for a couple locations, and he said his access to information was "limited" Maybe his access to brain cells was limited. No effort whatsoever was put forth on his part to try to get me in touch with someone who could possibly answer my question. This level of horrible customer service is one reason I would NEVER recommend this company to anyone for anything. Companies that provide customer service like this need to be shunned by the public and avoided. Hit them in on their bottom line, maybe then, they will learn a lesson and provide a respectful worthwhile service to the public.

Kevin Danikowski

I've gotten my 2nd personal loan from SoFi. They are hands down the best rates and best amount offered by any lenders (I've shopped around and been denied by many with no reasons what so ever or pitiful counter offers, including Wells Fargo, Citi bank, and some local ones. Disclosure, I do fit the box of high credit score and above average income, so perhaps that made it easy, but every time I called customer service I had no issues. I've now recommended this for every property lender I've spoken with as a method for acquiring additional capital for what ever reason. I would recommend auto pay as well, as it gives the best discounted rates.

stephanie

This is a data mining company, not a legitimate lender. On the surface they promise low rates with quick turn around and no hard credit checks. Two months into my application, following countless additional documents, requirements conveniently not mentioned on their website or by the lending agent when enquiring about the necessary documents prior to the hard credit check. After conducting TWO hard credit checks, destroying my perfect credit score, my loan was approved at 4 times the rate indicated on their promotional page. I called to find out if I could get a lower rate, at which point they suggested I reapply, and canceled my original application, without my knowledge. When I logged back in to find out what the hold up was, it stated on my application that I had voluntarily withdrawn my application. When I contacted the owner of SoFi, I received a series of generic pre-formatted replies, similar to the bot like replies I got throughout the loan process. This is clearly some sort of data mining site. They do not issue loans, even to people with exceptionally high income and perfect credit, like myself.

Ashy Bapat

Social Finance? Please.

SoFi is not reputable or trustworthy. You can be pre-approved for a loan and then submit your application (whilst nothing at all has changed on your credit profile) and be denied for ridiculous reasons. It seems like SoFi declines loans using the dartboard method: They just throw a dart at a dartboard randomly and choose the reason for denial based on where the dart lands.

I had a 750+ credit score on Experian (which is the bureau they use) and four inquiries and using <1% of my $75,000.00 available credit. I was pre-approved but then declined for seemingly no reason. SoFi bills themselves as a non-traditional bank or lender; that's true, they're beneath traditional banks!

John Douville

Possibly the worst lender I've ever worked with. Their customer service is non-existent, skill level is minimal, and they're more detrimental than productive with handling their loans. Do not use them.

Jason Ellis

Absolute worst bank ever! Froze my account for over 3 days now, no way to escalate or talk to anyone in the investigation department. Absolutely insane they can hold your money hostage like this.