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.
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Select 2 personal loans companies to compare
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Even Financial
9.5 / 10 - Excellent
#3 in Personal Loans
Our Partner
SoFi Personal Loans
9.8 / 10 - Excellent
#2 in Personal Loans
Our Partner
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Key Facts

  • Get personalized loan offers in less than 60 seconds
  • Borrow $1,000 to $100,000 for Debt Consolidation, Large Purchase, Home Improvement, Vacation, and more
  • Rates from 4.99% - 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 - EVEN’s proprietary technology and algorithms will match you with the best loan offer instantly from its top online consumer lenders
  • 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
  • APR from 4.99% – 11.09% (best APR with AutoPay)
  • Loan terms of 3-7 years
  • SoFi Borrowers Improved Their Credit Scores Paying Off Credit Card Debt*
ConsumersAdvocate.org Ratings
9.5 / 10 - Excellent
9/10
Loan Basics
10/10
Service Features
10/10
Qualification
10/10
Additional Fees
10/10
Customer Experience
9.8 / 10 - Excellent
10/10
Loan Basics
10/10
Service Features
9/10
Qualification
10/10
Additional Fees
10/10
Customer Experience
Customer Reviews
 (19)
8.4 / 10 - Excellent
63%
5 stars
21%
4 stars
0%
3 stars
11%
2 stars
5%
1 stars
 (56)
6.4 / 10 - Very good
46%
5 stars
13%
4 stars
11%
3 stars
0%
2 stars
30%
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, Additional Fees, and Customer Experience. However, Even Financial scores better on Qualification. Both companies score similarly on Service Features.

Latest Reviews

Brandy N
Helena, Georgia
SoFi Personal Loans review
5/23/2017
Recently divorced need money to buy vehicle and home I he put everything in his name and now I have 3 kids and nothing and I have to start over from scratch

Leola R
Holland, Michigan
SoFi Personal Loans review
5/22/2017
Easy application. Can finally get to living within my income

[email protected]
Irving, Texas
Even Financial Personal Loans review
4/29/2017
I got a great review.

Beth C
Hendersonville, North Carolina
Even Financial Personal Loans review
4/29/2017
I don't know I had never used them

R
Rd
Linthicum Heights, Maryland
Even Financial Personal Loans review
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
Even Financial Personal Loans review
11/16/2016
Straightforward process, very transparent and easy to understand rates and terms.

P
Peter
Tampa, Florida
SoFi Personal Loans review
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
SoFi Personal Loans review
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.