What services does Social Finance (SoFi) offer?

SoFi offers student loan refinancing, personal loans, mortgages, investment services, banking products, and insurance. They focus on providing comprehensive financial services to help members achieve financial independence.

How do I contact SoFi customer support?

You can contact SoFi customer support through their mobile app, website chat, or by calling their customer service line. Support is available 7 days a week with extended hours for most services.

What are SoFi's eligibility requirements for loans?

SoFi typically requires good to excellent credit, stable income, and strong financial history. Specific requirements vary by product, but they generally look for creditworthy borrowers with steady employment.

Does SoFi charge fees for their banking services?

SoFi Money (their cash management account) has no account fees, minimum balance requirements, or overdraft fees. They also reimburse ATM fees worldwide and don't charge foreign transaction fees.

How long does the loan approval process take?

Personal loan approval can happen within minutes to a few business days. Mortgage and refinancing applications typically take 30-45 days to complete, depending on documentation and verification requirements.

What is SoFi's loan refinancing process?

The refinancing process involves completing an online application, providing financial documentation, and undergoing a credit check. SoFi will review your application and provide rate quotes if you qualify.

Are SoFi's investment accounts FDIC insured?

SoFi's cash management accounts are FDIC insured up to $2 million through their partner banks. Investment accounts are protected by SIPC insurance, but investments themselves are subject to market risk.

Can I access my SoFi accounts 24/7?

Yes, you can access your SoFi accounts anytime through their mobile app or website. Online banking services are available 24/7, though some features may be temporarily unavailable during maintenance windows.

What are SoFi's current interest rates?

Interest rates vary by product and are subject to change based on market conditions and your creditworthiness. You can view current rates on their website or get personalized rate quotes by completing a soft credit check application.

Social Finance Reviews (Dec 2025): Is It Legit?

How it compares

Same method for every company: overall rating, legitimacy checks, the average rating of reviews mentioning each area and the 6-month trend · Money & Insurance.

Overall rating and review count for this company and similar companies
Company	Overall	Legit	Trend	Reviews
Social FinanceThis company	—	33 out of 100	—	0
International Card Services	4.2 out of 5 (good)	100 out of 100	—	1,200
Frontier Home Insurance	4.7 out of 5 (good)	100 out of 100	—	1,060
JustCover Travel Insurance	4.8 out of 5 (good)	100 out of 100	—	1,060
247 Home Rescue	4.8 out of 5 (good)	100 out of 100	—	1,060