Compare Even Financial vs. SoFi Personal Loans

What’s the difference between Even Financial Personal Loans and SoFi Personal Loans? See how our editors compare the two companies below.
Last Updated: January 15, 2018
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Even Financial
9.8 / 10 - Excellent
#1 in Personal Loans
SoFi Personal Loans
9.7 / 10 - Excellent
#4 in Personal Loans
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Key Facts

  • Unsecured Personal Loans from $1,000 to $100,000
  • Loans for Debt Consolidation, Large Purchase, Home Improvement, Medical Expenses, and more.
  • Even Compares Top Loan Providers and Matches You Instantly
  • Rates Starting at 4.99% APR 
  • Loan Terms From 24-84 Months
  • Funds Available as Soon as Next Business Day
  • Loan Search Is Free and Will NOT Affect Credit Score
  • Our #1 Choice for Borrowers with Excellent Credit
  • Up to $100,000 for Debt Consolidation, Home Improvements & More
  • No Origination Fees or Pre-Payment Penalties, Unemployment Protection
  • As low as 5.49% Fixed or 5.21% Variable (with AutoPay)
  • Loan terms of 3-7 years
  • SoFi Borrowers Improved Their Credit Scores Paying Off Credit Card Debt*

ConsumersAdvocate.org Ratings

9.8 / 10 - Excellent
10/10
Loan Basics
10/10
Service Features
10/10
Qualification
10/10
Additional Fees
10/10
Customer Experience
9.7 / 10 - Excellent
10/10
Loan Basics
10/10
Service Features
9/10
Qualification
10/10
Additional Fees
10/10
Customer Experience

Customer Reviews

 (18)
7.0 / 10 - Very good
56%
5 stars
11%
4 stars
0%
3 stars
6%
2 stars
22%
1 stars
 (47)
6.0 / 10 - Average
45%
5 stars
9%
4 stars
11%
3 stars
0%
2 stars
36%
1 stars

Final Verdict

Even Financial Personal Loans and SoFi Personal Loans are very close in quality and have the same overall rating. That said, Even Financial scores better than SoFi across: Qualification, and Customer Experience. Whereas, SoFi scores better on Loan Basics, and Additional Fees. Both companies score similarly on Service Features.


Customer Comments & Reviews

T
Tom W
1/16/2018
Even Financial Personal Loans review
My name is Tom Wilson i am from London, married, i have been searching for a genuine loan company for the past 5 months and all i got was bunch of scams who made me to trust them and at the end of the day, they took my money without giving anything in return, all my hope was lost, i got confused and frustrated, i find it very difficult to feed my family, i never wanted to have anything to do with loan companies on net, so i went to borrow some money from a friend, i told him all that happened and he said he can help me, that he knows a loan company that can help me, that he just got a loan from them, he directed me on how to apply for the loan, i did as he told me, i applied, i never believed but i tried and to my greatest surprise i got the loan within 24 hours, i could not believe it, i am so happy and rich again and i am thanking God that such loan company like this still exist upon this scams all over the places, please i advise everyone out there who are in need of loan should go for firstloancompany24@yahoo.com they will never fail, your life shall change as mine did. GOOD LUCK...


J
Jennifer
Clarksdale, Mississippi
12/8/2017
Even Financial Personal Loans review
I understood everything well.


Tonika E
Chicago, Illinois
10/24/2017
SoFi Personal Loans review
Helpful and very on time with the loan I am very please D with this offer


C
Cheryl D
Blackstone, Virginia
8/22/2017
SoFi Personal Loans review
Good Experience with the website. We are look requesting the refinance a church mortgage.


R
Rd
Germantown, Maryland
11/24/2016
Even Financial Personal Loans review
Easy process and simple to use. Highly recommended for you personal loan needs. I was able to find a lender and secure a loan quickly.


J
Jonathan
Brooklyn, New York
11/15/2016
Even Financial Personal Loans review
Straightforward process, very transparent and easy to understand rates and terms.


W
Will H
2/4/2016
SoFi Personal Loans review
Firstly, yes, the process can be a bit lengthy if SoFi needs additional documentation but they are authorizing high loan amounts and need to be cautious. Next, overall this was an excellent experience and I would recommend them to anyone. They are in no way fully FICO driven, rely on history and income more. The experience I had with everyone of their agents was exceptional. Friendly reps who truly helped. Their phones were always answered by two rings. Incredible!!!!


D
DonaldB
Lubbock, Texas
12/14/2015
SoFi Personal Loans review
Loan for $50,000.00 was denied. Although I have a great history of making payments to my outstanding loans, my Expense to Income ratio shows that I am paying at least 55% of my income compared to my income. The reason given was that the underwriter determined that they couldn't be assured that I would use the funds that would be deposited to my bank account would be used to pay down my credit cards. I also indicated that I would pay an additional amount over and above the indicated monthly payment for a 7 year loan. I think this is a downfall for the underwriters which could easily make direct payments to the merchants and they would know where the funds went. This information could come from the applicant as the amount which would go to each creditor. I'm am disappointed.but the score I gave is for the underwriters and not against SOFI. They were very helpful and had a good process for applying for a load.