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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Even Financial
9.6 / 10 - Excellent
#3 in Personal Loans
Our Partner
SoFi Personal Loans
9.7 / 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
  • 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

9.6 / 10 - Excellent
9/10
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

 (37)
7.8 / 10 - Very good
59%
5 stars
19%
4 stars
0%
3 stars
8%
2 stars
11%
1 stars
 (76)
7.0 / 10 - Very good
50%
5 stars
16%
4 stars
11%
3 stars
0%
2 stars
22%
1 stars

Final Verdict

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


Latest Reviews

A
Aaron
, Texas

9/14/2017
Even Financial Personal Loans review
Quick simple easy loan no credit checks no account required


Wendy L
Columbia, Mississippi

9/1/2017
Even Financial Personal Loans review
I desperately need a loan


L
Latroy
Richmond, Virginia

8/28/2017
SoFi Personal Loans review
It seems like a good loan place an i want to try it out and found out how it work


D
Deb c
Columbus, Ohio

8/25/2017
SoFi Personal Loans review
I would like to borrow $1000 to get caught up on some of my bills


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.