Lender
Rating by Finanso®
i

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3.4
(20 Ratings)

SoFi Mobile App

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SoFi

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SoFi is a financial technology company that provides various financial products and services, including student loan refinancing, personal loans, investing, and banking. SoFi also offers a mobile app that allows its customers to manage their accounts on-the-go. The app is available for both iOS and Android devices and can be downloaded for free from the App Store or Google Play Store. To use the SoFi mobile app, customers must first create an account with SoFi and link their eligible SoFi accounts to the app. Overall, the SoFi mobile app provides a convenient way for customers to stay on top of their finances and manage their accounts with ease.

Mobile App Features

The SoFi mobile app offers several features to its users, including:

  1. Manage Accounts. Users can easily access and manage their SoFi accounts on-the-go, including checking balances, viewing transactions, and making payments.
  2. Invest. The app allows users to invest in stocks, ETFs, and cryptocurrency. The app provides real-time market data and investment advice to help users make informed investment decisions.
  3. Borrow. The app enables users to apply for personal loans, student loans, and home loans. Users can also track their loan applications and make loan payments.
  4. Budget. The app provides a budgeting tool that helps users track their expenses, create a budget, and save money. Users can also receive personalized financial advice based on their spending habits.
  5. Credit Score Monitoring. The app allows users to monitor their credit score and provides suggestions for improving it.
  6. SoFi Rewards. Users can earn rewards points for using SoFi products and services, which can be redeemed for cashback, statement credits, or gift cards.
  7. Financial Planning. SoFi offers financial planning services through its app. Users can connect with certified financial planners for personalized advice on investing, retirement planning, and more.
  8. Mobile Check Deposit. Users can deposit checks into their SoFi accounts using their mobile devices.
  9. Customer Support. The app provides 24/7 customer support through chat or phone

How to Download

You can download the SoFi mobile app from the App Store if you are using an iOS device or from the Google Play Store if you are using an Android device. Here are the steps to download the app:

For iOS

  1. Open the App Store on your iPhone or iPad.
  2. Search for "SoFi" in the search bar.
  3. Select the SoFi app from the results.
  4. Tap the "Get" button and then tap "Install".
  5. Enter your Apple ID password or use Face ID or Touch ID to confirm the download.

For Android

  1. Open the Google Play Store on your Android device.
  2. Search for "SoFi" in the search bar.
  3. Select the SoFi app from the results.
  4. Tap the "Install" button.
  5. Once the download is complete, tap "Open" to launch the app.

The SoFi mobile app is free to download and use.

How to Apply in the App 

To apply for a loan through the SoFi mobile app, follow these steps:

  1. Download the SoFi mobile app from the App Store or Google Play Store.
  2. Open the app and click on "Apply for a Loan" on the main screen.
  3. Choose the type of loan you want to apply for, such as a personal loan or student loan.
  4. Fill in the application form with your personal information, including your name, address, employment details, and income.
  5. Provide the required documentation, such as proof of income, identity verification, and credit history.
  6. Review and submit your application.

After submitting your application, you'll receive a decision from SoFi within minutes in most cases. If your loan is approved, you can review the terms and sign the loan agreement directly from the app.

How to Make Payments Through the App?

Here are the steps to make payments through the SoFi mobile app:

  1. Open the SoFi mobile app and log in to your account.
  2. From the home screen, tap on the "Money" tab at the bottom of the screen.
  3. Tap on the loan or credit card account that you want to make a payment for.
  4. Tap on the "Make a Payment" button.
  5. Enter the amount you want to pay and select the account you want to use to make the payment.
  6. Choose the date you want the payment to be made on and tap "Next."
  7. Review the payment details and tap "Confirm" to submit the payment.

That's it! Your payment should be processed and applied to your account. If you have any further questions or issues, you can reach out to SoFi customer service for assistance.

How to Delete an App?

Here are the steps to delete an app on iOS and Android:

For iOS

  1. Find the app that you want to delete on your home screen.
  2. Press and hold the app icon until it starts to wiggle.
  3. Tap the small "x" icon that appears on the app icon.
  4. A prompt will appear asking if you want to delete the app. Tap "Delete" to confirm.
  5. The app will be removed from your home screen and device.

For Android

  1. Find the app that you want to delete on your home screen or in your app drawer.
  2. Press and hold the app icon until a menu appears.
  3. Tap "Uninstall" or the trash can icon.
  4. A prompt will appear asking if you want to delete the app. Tap "OK" to confirm.
  5. The app will be removed from your home screen and device.

That's it! Please note that some pre-installed apps on Android devices cannot be completely removed. Instead, you may be able to disable them from your device settings

SoFi

FAQ

Why can't I access my SoFi mobile app?

There could be a few reasons why you may be having trouble accessing your SoFi mobile app. Here are a few things you can try:

  1. Check your internet connection. Make sure that you have a strong and stable internet connection, either through Wi-Fi or mobile data. If you don't have a good connection, the app may not be able to load.
  2. Check for updates. Make sure that your SoFi mobile app is up to date. You can check for updates in the App Store (iOS) or Google Play Store (Android).
  3. Clear app cache and data. Try clearing the app cache and data on your device. This can sometimes help resolve issues with the app. To do this, go to your device's settings > Apps > SoFi > Storage > Clear cache/clear data.
  4. Restart your device. Sometimes simply restarting your device can help resolve app issues.
  5. Contact SoFi support. If none of the above steps work, you may need to contact SoFi support for further assistance. They can help you troubleshoot the issue and get you back into the app.

Can I open a SoFi account on my phone?

Yes, you can open a SoFi account on your phone using the SoFi mobile app, which is available for both iOS and Android devices. Here's how to do it:

  1. Download the SoFi mobile app from the App Store (iOS) or Google Play Store (Android).
  2. Open the app and tap on the "Join SoFi" button.
  3. Enter your personal information, including your name, email address, and date of birth.
  4. Provide your Social Security number and agree to the terms and conditions.
  5. Follow the prompts to complete your account setup, including setting up a password and creating a security PIN.
  6. Verify your identity by providing additional information, such as your address and employment status.
  7. Once your account is set up, you can apply for various SoFi products, including loans, investment accounts, and more.   That's it! Opening a SoFi account on your phone is quick and easy, and you can get started right away.

Does SoFi Mobile supports Zelle®?

Yes, the SoFi mobile app does support Zelle®. Zelle is a service that allows you to send and receive money between friends, family, and other people you know and trust, and it's integrated into the SoFi mobile app. Here's how to use Zelle in the SoFi mobile app:

  1. Open the SoFi mobile app and log in to your account.
  2. Tap on the "Money" tab at the bottom of the screen.
  3. Select the account you want to send money from, and then tap "Send Money" at the top of the screen.
  4. Choose "Send with Zelle."
  5. Select the recipient from your contacts list, or enter their phone number or email address.
  6. Enter the amount you want to send and any additional information, such as a note or memo.
  7. Tap "Send" to complete the transaction.

That's it! Your recipient will receive the money in their account, and you'll receive a notification once the transaction is complete. Note that both you and your recipient must have a valid U.S. bank account to use Zelle.

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3.35
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Calculate loan payments in SoFi

SoFi calculator will allow you to calculate an approximate payment schedule for the loan

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Interest rates are given in accordance with the rates of the SoFi of 22.06.2024
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SoFi reviews 2024
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1.4
Cons
I found it highly concerning that this company requested all of my personal banking information, including login details, before even considering my loan application. It raises serious doubts about their legitimacy, as a reputable company typically provides loan terms for review and approval before requesting such sensitive information. This approach appears suspicious and potentially designed to obtain your banking details under false pretenses.
Complain
4.8
Pros
When I made the decision to pursue a debt consolidation loan, I reached out to multiple companies to gauge their approach to customer communication. Surprisingly, Sofi was the only company that didn't inundate me with phone calls after our initial conversation. Every time I called, their staff was consistently courteous and professional, without any undue pressure – they simply addressed my inquiries. The entire application process is conducted online, and I encountered a couple of questions while filling it out. Yet, I experienced no delays and received helpful assistance promptly. I'm grateful for the swift and straightforward process.
Complain
2.2
Cons
I contacted them because they had frozen my accounts, but they refused to provide any explanation for it. They directed me to the IRS, who couldn't offer any insights either. This was, by far, the worst customer service experience I've ever had.
Complain
4.6
Pros
From the initial step to the final stages, our loan booking experience with SoFi was exceptionally straightforward, accurate, and efficient. When we reached out to SoFi and spoke with one of their representatives, they displayed a high level of professionalism and provided us with valuable assistance over the phone. In contrast to previous lenders, we were pleasantly surprised by the prompt funding response from SoFi. We wholeheartedly recommend this lender to others, as our experience with them was entirely positive and reassuring.
Complain
4.4
Pros
So far, my experience with Sofi has been excellent. The loan application process was straightforward, with clear instructions, and it only took about 20 minutes to complete. The app is user-friendly, and I discovered many useful features that I wasn't even aware of.
Complain
4.2
Pros
I have to say that this loan transaction with SoFi has been incredibly smooth and hassle-free. After comparing rates from different lenders, I chose SoFi for several compelling reasons. The application process was straightforward, and to my surprise, I received the funds the very next day. Not to mention, their terms were more favorable than any other option I explored. I'm so satisfied with this experience that I won't even consider looking elsewhere the next time I require a loan. SoFi has definitely won my trust.
Complain
2
Cons
They don't offer pre-approval, and your credit limit remains unknown until after approval. It's not worth taking the risk with your credit, as their credit limits are disappointingly low, and the potential benefits of a low-limit card don't outweigh the drawbacks of a hard credit inquiry.
Complain
1.4
Cons
I was previously approved for a SoFi loan with a maximum limit of $7,000. However, when I requested a loan of $5,000, they conducted a hard credit check and subsequently denied my application based on my income from the previous year. I was left feeling frustrated and disappointed with this outcome. I would caution others to steer clear of this company as there are definitely more accommodating lenders out there. It's wise to keep exploring your options, as my experience with SoFi left me dissatisfied and concerned about the negative impact on my credit score, ultimately leaving me frustrated by the end of the process.
Complain
2.4
Cons
I want to start by mentioning that I've had no issues with SoFi until they unexpectedly froze my account. It has now been frozen for several days, and I have yet to receive any explanation for this action. Despite making multiple calls, I've received the same unhelpful response each time. I'm concerned about becoming one of those individuals who goes months without a resolution or response.
Complain
5
Pros
SoFi provided us with a fast and hassle-free experience! My husband and I applied for a personal loan on a Sunday evening, received approval by Tuesday, and found the funds in our checking account on Thursday morning. The interest rates appeared reasonable, and we were pleased with the variety of payment options available. We wholeheartedly recommend them.
Complain
Company rating
3.4
/ 5
20 reviews
Application
3.6
Support service
3.3
Mobile App
3.4
Service quality
3.2
Your satisfaction level
3.4
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