Great News:
We’re Not a Bank.

We’re a modern finance company. Which means we see our members as partners, not numbers. And because we’re not a bank, we’re able to offer better financial solutions so that our members are set up for success. We invest in people who have a potential for financial greatness, then actually help them get there with benefits like career counseling, entrepreneur programs, member happy hours, and networking events. Because when our members succeed, we succeed.

Pretty awesome, huh?

Here’s how we think about financial greatness:


  • You don’t have a job—you have a career.
  • You’re not into spending more than you make.
  • You can’t predict the future, but you’re saving for it.

Not Great:

  • You think 401k is an Internet speed.
  • You see the lotto as your retirement plan.
  • You recently got financial advice from a fortune cookie.
Get Started

More reasons to SoFi.

Career Counseling &
Unemployment Protection

This might sound weird, but we genuinely want you to succeed. Our career coaches are here to help you do just that.

Customer Service

Your money is serious business. That’s why we’re standing by. 7 days a week on the phone or social media. Just you know, waiting to talk.


Our members are pretty great. So great, we offer member events and happy hours just so they can meet each other.

Hear From Our Members.

With benefits like career coaching, unemployment protection3 and entrepreneur
programs, our members have a lot to say.

SoFi Member
“SoFi had competitive rates, excellent customer service and an easy process using the latest technologies.”

Kyle Lui

Northern California

SoFi Member
“The process was so easy and the turnaround was extremely fast, enabling me to meet a tight payment deadline.”

Susan Devine

Southern California

Personal Loan
SoFi Member
“Making it happen was simple. I’ve been a customer for almost two years and it’s been great.“

Chris Martinez


Student Loan Refinancing
SoFi Member
“I know I’m making progress and [SoFi has] given me the freedom to invest that money in other assets.”

Dr. Jared Pool

University of the Pacific

Student Loan Refinancing
Member Stories

We hope you’re
approved too.

Our unique approach to underwriting looks at where you are today and where you’re headed.
We take a number of dimensions into consideration, including:




Monthly Income
vs. Expenses





Find My Rate
Equal Housing Lender