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.
Disclosure: We receive advertising revenue from some partners. Learn more.
Select 2 personal loans companies to compare
vs
Even Financial
8.6 / 10 - Excellent
#4 in Personal Loans
Our Partner
SoFi Personal Loans
9.2 / 10 - Excellent
#1 in Personal Loans
Our Partner
vs
Key Facts

  • Get personalized loan offers in less than 60 seconds
  • Rates as low as 4.83%-35.99% APR
  • Pay back in 24-84 months
  • Funds available as soon as next business day
  • Loan search is 100% free and does NOT affect your credit score
  • Borrow $1,000 to $50,000 for Debt Consolidation, Wedding, Home Improvement, Vacation, and more
  • Shop dozens of providers in one place - our proprietary technology and algorithms find the best options and the best rates available
  • Huge flexibility - up to $100,000 for debt consolidation, weddings, home improvements & more
  • APR from 4.78% – 14.49% (best APR with AutoPay)
  • Loan terms of 3-7 years
  • No origination fees or pre-payment penalties
  • Unemployment protection
  • Qualification credit of 680+ required
ConsumersAdvocate.org Ratings
8.6 / 10 - Excellent
9/10
Loan Basics
10/10
Additional Fees
8/10
Types of Lenders
10/10
Application Process
8/10
Service Features
10/10
Customer Service
9/10
Reviews
6/10
Loan Qualification
9.2 / 10 - Excellent
10/10
Loan Basics
10/10
Additional Fees
10/10
Types of Lenders
10/10
Application Process
10/10
Service Features
9/10
Customer Service
10/10
Reviews
7/10
Loan Qualification
Customer Reviews
 (9)
7.8 / 10 - Very good
56%
5 stars
22%
4 stars
0%
3 stars
22%
2 stars
0%
1 stars
 (41)
6.0 / 10 - Average
41%
5 stars
12%
4 stars
12%
3 stars
0%
2 stars
34%
1 stars
Final Verdict

SoFi Personal Loans has a higher overall rating than Even Financial Personal Loans. SoFi scores better than Even Financial across: Loan Basics, Types of Lenders, Application Process, Service Features, Reviews, and Loan Qualification. However, Even Financial scores better on Customer Service. Both companies score similarly on Additional Fees.

Latest Reviews

L
Lasheka Mackey
Jackson, Tennessee
2/13/2017
I love the that it was a easy process to create a account and apply for a loan.

A
Alexandria
2/12/2017
Medical expenses

M
mercy berry
2/3/2017
Do you need a loan ? we offer all kinds of loans at 2% interest rate.if you are interested, contact us today via email for more information. (Mercyberryloancompany@gmail.com)

C
Cassey
Springfield, Missouri
2/3/2017
Trying to learn what and how to fix my credit

R
Rd
11/24/2016
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
11/16/2016
Straightforward process, very transparent and easy to understand rates and terms.

P
Peter
Tampa, Florida
12/23/2015
The sofi rates are competitive. The online process is easy and you can get pre-qualified without impacting your score. I got approved in a day or so for to refinance credit card debt. Unlike other refinancing options this one also offers a freeze on commitments in the event you lose your income. This is reassuring. Its worth looking into, to reduce interest charges and possibly help to improve your score along the way. This is particularly encouraging as credit card rates are going to be on the upswing going forward.. Get more details here: http://www.sofi.com/refer/148/49352

D
DonaldB
Lubbock, Texas
12/14/2015
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.