Independent financial experts helping you find the right loan since 2018
We started SoFi Loans because we were frustrated. The personal loan industry was confusing, filled with misleading advertising, and designed to benefit lenders—not borrowers.
We believed there had to be a better way. A place where people could get honest, expert advice without the sales pitch. Where recommendations were based on data, not commissions.
Our mission is simple: Help you find the right loan for your situation—even if that means telling you not to borrow at all.
We test every lender we review. We analyze real user data. And we tell you what others won't—including when a lender isn't worth your time.
The principles that guide everything we do
We tell you the truth, even when it's uncomfortable. If a lender has problems, you'll know about it. If a loan isn't right for you, we'll say so.
Our recommendations are based on objective analysis—not opinions or affiliate payouts. We analyze thousands of data points to rate every lender.
We don't just read about lenders—we apply to them ourselves. We experience the application process, customer service, and funding firsthand.
Your interests come before everything else. We'd rather lose a commission than recommend a product that isn't right for you.
We don't just recommend—we explain. Understanding how loans work helps you make better decisions, now and in the future.
Rates and policies change constantly. We update our content regularly to ensure you're getting accurate, current information.
Financial professionals with real industry experience
12+ years analyzing consumer lending. Former Goldman Sachs and Moody's Analytics.
8 years in financial journalism. Former editor at NerdWallet and Bankrate.
Former data scientist at LendingClub. Expert in loan performance analytics.
10 years helping consumers navigate debt. Former CFPB policy advisor.
Our work has been featured in leading publications
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