Social Finance Healdsburg Ave, Healdsburg

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.

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 When I logged back in to find out what the hold up was, it stated on my application that I had voluntarily withdrawn my application.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.

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!

Note their mortgage doesn't take gift as the part of down payment and reserve for more than 5%. This policy is not in anywhere on the website, phone, and ads. They will not tell you until they collect all your information and made a hard pull credit report.

data mining.. they're referral program is a FRAUD. I've send many many customers.. THEY DON'T ACTUALLY APPROVE ANYONE.. THEY FORWARD ALL THE INFO THEY ARE NOT A BANK

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.

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.

Where do I begin I used the SoFi application and today they locked me out of it after I did nothing but bring to their attention things that seemed sketchy and was unresolved I have 1000 dollars in my account that they stole and they locked me out of the application for me to even access it after I told them I was gonna take this matter to the legal level if I were anyone smart don’t trust this company they will use you to get your money and after any incident occurs they will turn their back on you and not want to pay you back for it they are shady and not to be trusted I’ll show you screenshots of conversations and of things that they have done to me and now I’m in a financial hardship with my bills

Bad rates and bad service. Avoid if possible. I found much better rates with another lender.

Please don't make my mistake, save yourself a headache and find a better lender.