Short for Social Finance Inc., SoFi is a personal finance company and online bank headquartered in San Francisco, US. It provides a comprehensive range of financial services such as loan refinancing, banking, investing, insurance, personal loans, mortgages, and credit cards.Short for Social Finance Inc., SoFi is a personal finance company and online bank headquartered in San Francisco, US. It provides a comprehensive range of financial services such as loan refinancing, banking, investing, insurance, personal loans, mortgages, and credit cards.