4h • General discussion
Lenders
💰 Who actually funds SoFi loans?
SoFi uses a hybrid model:
1. Direct Lending (In-house)
- Personal loans
- Student loan refi
- Mortgages
- Credit cards
👉 These are often originated by SoFi itself as the lender
.💡 What is
Lendio
Lendio is NOT a bank and NOT a direct lender.
👉 It’s a loan marketplace / broker platform that connects businesses to 75+ lenders through one application
Think of it like:
Apply once → get matched with multiple lenders
Just to name a few !
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