SoFi (Social Finance, Inc.) is a U.S.-based online personal finance company that provides a range of financial products and services, including student and personal loans, home mortgages, credit cards, banking, investing, and insurance. Founded in 2011, SoFi began by refinancing student loans and has since expanded into a full-service digital bank. The company aims to help individuals achieve financial independence through modern, user-friendly technology and educational resources. SoFi also offers member benefits such as career coaching and financial planning. It operates primarily through its mobile app and website, appealing to tech-savvy consumers seeking convenience and low fees.