Compare Fiona vs. SoFi Personal Loans
What’s the difference between Fiona Personal Loans and SoFi Personal Loans (Credible)? See how our editors compare the two companies below.
Last Updated: April 02, 2026
Key Facts
- Loans from $1,000 to $250,000 available
- Rates from 2.49% to 35.99%APR
- Loan terms from 2 to 7 years
- See if you're pre-approved instantly. Loan search is free and will NOT affect credit score.
- Use the funds for debt consolidation, home renovation, large purchases, unexpected expenses and more.
- Funding as soon as next business day.
Sample loan: a four-year $9,500 loan with an interest rate of 15.49% and an APR of 18.34% will require an estimated monthly payment of $266.76 and a total cost of $12,804.37.
- Loan Amount: %{loan_amount_range}
- Fixed Rates: %{apr_range}
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- Sample loan: a four-year $20,000 loan with an interest rate of 15.49% and an APR of 18.34% will require an estimated monthly payment of $561.60 and a total cost of $26,956.57.
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OVERALL RATINGS
| Fiona | SoFi | |
|---|---|---|
| Flexibility | 4.0/5 | 4.0/5 |
| Interest Rates | 4.5/5 | 4.0/5 |
| Discounts & Fees | 4.0/5 | 4.5/5 |
| Customer Service and Reputation | 4.5/5 | 4.5/5 |
Final Verdict
Fiona Personal Loans and SoFi Personal Loans (Credible) are very close in quality and have the same overall rating. That said, Fiona scores better than SoFi across: Loan Specifics, and Interest Rates. Whereas, SoFi scores better on Discounts & Fees, Costs, Interest Rates, Discounts & Fees, and Customer Service and Reputation. Both companies score similarly on Flexibility, Qualifications & Flexibility, and Customer Service and Reputation.
Customer Comments & Reviews
SoFi Personal Loans (Credible) review
Quick and very supportive- Won't make loan until 3 payments are made on existing loan. Customer service is good
SoFi Personal Loans (Credible) review
I disagree with the negative reviews on SoFi. The process for me was absolutely phenomenal! The rate offered preliminarily was the rate that we closed at. If you give them factual information upon which to base the terms, they are true to their offer. The only suggestion I would make to them would be to add an automatic notification system in place for when the status of the loan application changes. I figured out that you have to log in to check the status but it moved really quickly. From the date that I requested the preliminary offer to the date that the (substantial) amount was in my bank account, took only 6 business days, and would probably have been sooner if I did not miss two days during the process when I did not actively check-in. The process is so much quicker and simpler than the traditional financial institutions. SoFi's customer service chat is also always available, knowledgeable and helpful, they resolved any question I had promptly. The legal documentation is simply written so easily understandable which is a refreshing change. Thanks for a great experience.
Fiona Personal Loans review
I cannot comment because I have no experience for this provider. I could comment if loan is approved.
Fiona Personal Loans review
I understood everything well.
Fiona 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.
Fiona Personal Loans review
Straightforward process, very transparent and easy to understand rates and terms.
SoFi Personal Loans (Credible) 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!!!!
SoFi Personal Loans (Credible) 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.
