NMLS# 1121636
SoFi is reinventing consumer finance for the better as a leader in marketplace lending. SoFi helps ambitious professionals accelerate their success with student loan refinancing, mortgages, mortgage refinancing, personal loans, parent loans and more. Their nontraditional underwriting approach takes into account merit and employment history, among other factors, to provide financial products that can't be found elsewhere.
SoFi is BS
I have a 740 score and had paid off a SoFi loan (35k) 2.5 years ago 18 months early!!! Just applied again for a home improvement they sent me into the SoFi nether world for like 7 days and came back that I was late on a payment so no matter how high my score is ( which is a oxymoron how do I have a high credit score) and how much I make 300k I could NEVER get a loan from them. They are not truthful at all and suck you in with a false truth about quick funding. They have internal rules that supersede your credit rating. Just go to a real bank quicker and more honest.
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Look elsewhere if you have perfect credit
I worked with them on a deal in the past. They wanted paperwork to prove retirement. I never heard of such a thing. It was for a loan my daughter that she couldn’t get. The whole thing was so ridiculous, I financed it myself. I have a 850 perfect credit score for over 30 years and no 1099 or other tax work to prove I did work. How can you prove you do not?
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Nope
I have over an 800 credit score and almost no debt, maybe 5% debt ratio and make well over 6 figures. Yet 2 weeks after my application was completed I finally had to call these folks and their response was they needed more info, Seriously? I went to another lender and had the money in 3 days. Don't get jerked around and get your credit score hit with these guys inquiries. Do yourself a favor and go else where.
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The LendingTree Certification Program recognizes Lenders and Loan Officers with outstanding performance on the LendingTree Network, they are committed to providing exceptional customer service and are graduates of LendingTree University.
