✓ Our Commitment to You
We believe in complete transparency. Here's the short version:
- We may earn money when you click links or apply for products
- This never influences our ratings, reviews, or recommendations
- We review products we're not paid to review
- Our team decides what to review, not advertisers
How We Make Money
SoFi Loans is a free service supported by advertising. We earn money in the following ways:
Affiliate Commissions: When you click a link to a lender's website and apply for a product, we may receive a commission from that lender. This is called affiliate marketing, and it's the primary way we fund our operations.
Advertising: We may display advertisements on our site from financial service providers and other advertisers.
Lead Generation: When you use our pre-qualification tools, we may receive compensation from lenders for connecting them with potential customers.
Important: Our compensation never increases your costs. Lenders pay us—you don't pay anything extra for using our site or clicking our links.
How We Maintain Editorial Independence
Our business model depends on trust. If we gave biased recommendations, you wouldn't come back. Here's how we keep our reviews honest:
Separate Teams: Our editorial team operates independently from our business team. Writers and analysts don't know which lenders pay us more.
Objective Methodology: We use a consistent methodology to evaluate every lender. Our ratings are based on objective criteria, not payment.
We Review Non-Partners: We review and recommend lenders even when we don't have affiliate relationships with them. If a non-partner offers a better product, we'll say so.
Negative Reviews: We publish honest reviews, including criticism. If a lender has problems, we'll tell you—even if they pay us.
Full Disclosure: We clearly indicate when content contains affiliate links or sponsored placements.
What Compensation Doesn't Affect
Compensation from advertisers does NOT influence:
- Which products we review
- Our ratings and scores
- Our recommendations
- The order of products in our comparisons (unless clearly labeled as "Featured" or "Sponsored")
- What we write in our reviews
- Whether we include negative information
What Compensation May Affect
In the interest of transparency, compensation may affect:
- Whether a product appears on our site (we can't review every product)
- The placement of "Featured" or "Sponsored" products
- The availability of certain tools or features
Our Review Process
Every review on our site follows the same process:
- Research: We gather data on rates, terms, fees, and features
- Testing: When possible, we apply to lenders ourselves
- User Data: We analyze thousands of user reviews and experiences
- Expert Review: Financial professionals evaluate the product
- Scoring: We apply our objective methodology to assign ratings
- Updates: We regularly update reviews to reflect changes
See our full methodology for details.
Questions?
We're committed to transparency. If you have questions about our advertising relationships or editorial process, please contact us.
Email: editorial@sofiloansapply.com