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.

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