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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: November 17, 2017
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Even Financial
9.8 / 10 - Excellent
#1 in Personal Loans
SoFi Personal Loans
9.7 / 10 - Excellent
#3 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 5.17% 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

 (47)
7.8 / 10 - Very good
57%
5 stars
19%
4 stars
0%
3 stars
13%
2 stars
11%
1 stars
 (83)
7.0 / 10 - Very good
51%
5 stars
16%
4 stars
10%
3 stars
1%
2 stars
20%
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.


Latest Reviews

N
Norman
Costa Mesa, California
11/16/2017
SoFi Personal Loans review
Hello, Here comes an Affordable loan that will change your life for ever. I am Mr Norman Erasmo a certified loan lender, I offer loan to individual and public sector that are in need of financial Assistance in a low interest rate of 2%. Bad credit acceptable,The Terms and Conditions are very simple and considerate. You will never regret anything in this loan transaction because i will make you smile. I Mr Norman Erasmo, will render the best of my services to all legitimate borrowers. You will never be disappointed by me in this transaction because you were not born to be a loser. Any interested clients should contact me Asap via Email:(normanerasmo@outlook.com) for further proceeds. Please fill the below application form and get back if interested and you will be glad of knowing a loan lender like Mr Norman Erasmo BORROWER’S DATA 1. Full Names:............................ 2. Contact Address:....................... 3. Loan Amount Needed:.................... 4. Duration of the Loan................... 5. Direct Telephone Number:................. 6. Country:................... I will be looking forward to hear from you so as to proceed. Kind Regards


M
Mr. W
11/15/2017
SoFi Personal Loans review
GENUINE LOAN WITH LOW INTEREST RATE APPLY! Do you need finance to start up your own business or expand your business, Do you need funds to pay off your debt? We give out loan to interested individuals and company''s who are seeking loan with good faith. Are you seriously in need of an urgent loan contact us.Email: (wildloanoffer@yahoo.com) BORROWERS DATA FORM 1)YOUR NAME:_______________ 2)YOUR COUNTRY:____________ 3)YOUR OCCUPATION:_________ 4)YOUR MARITAL STATUS:_____ 5)PHONE NUMBER:____________ 6)MONTHLY INCOME:__________ 7)ADDRESS:_________________ 8)PURPOSE:_________________ 9)LOAN REQUEST:____________ 10)LOAN DURATION:__________ 11)CITY/ZIP CODE:__________ 12)HAVE YOU APPLIED FOR LOAN BEFORE? GET BACK TO US WITH THE INFORMATION ABOVE VIA: (wildloanoffer@yahoo.com)


N
Nathan S
Cleveland, Tennessee
11/7/2017
Even Financial Personal Loans review
I don't have a bank account.. I've got a global cash card that i get my paydays on and I'll gladly give you my card number if you can help me out here


M
Myra L
Aurora, Colorado
11/7/2017
Even Financial Personal Loans review
Fast response and easy.


R
Rd
Linthicum Heights, 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.


P
Peter
Tampa, Florida
12/23/2015
SoFi Personal Loans review
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
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.