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ELFI is an online company. Based on 50 reviews on TrustPlane, it has an average rating of 5.0 out of 5 stars. Last reviewed February 23, 2026.
I worked with Ryan Cooke and could not have chose a better advisor. He was very informative and answered every question. Ryan would also respond very quickly which I value. Looking forward to continue working with the company.
Great experience refinancing my student loans with ELFI. Stan was professional, responsive, and made the entire process quick and easy. Highly recommend!
Elfi made this experience super simple by reaching out and helping you every step of the way. I was pleasantly surprised when they called me after my initial application to introduce themselves and ask if I had any questions.
I did extensive research on student loan refinance options and ultimately chose ELFI, which turned out to be an excellent decision. Before starting the application, I called to ask a few questions—specifically to confirm that the initial interest rate I was quoted would not change significantly once I officially applied. I was assured that the estimated rate would be honored.I began the online application on Monday, and by today—Thursday—I was approved and had signed all of my documents (and the process could have been even faster if I hadn’t delayed a step on my end). The entire experience was fully online, extremely straightforward, and very easy to navigate.My loan advisor, Stan, was fantastic. He stayed in close contact with me via email and text throughout the process. I couldn’t be happier with the experience and will definitely recommend ELFI to my friends.
Stan Mitchel made this process so much less stressful for me. This is the first loan I have ever successfully refinanced, i had a lot of questions and he broke everything down for me so i understood what needed to be done, and replied to me very quickly. im so excited and thankful to have refinanced with his guidance. He is a very nice and professional person.
I worked with Ryan Cooke who was very helpful and responded timely to every question I had asked him.
Stan Mitchell was our lender. He was prompt and responsive and made the process smooth and easy for us. Thanks, Stan!
This process was very seamless and there was someone who reached out to me immediately after I put in my application to answer any questions I had and to guide me through the rest of the process.
My student loan advisor, Ryan Cooke, was super helpful, knowledgeable, and very prompt in answering questions I had. He simplified the process a great deal and made refinancing my loan easy peasy.
Very easy to work with, great with guidance and answering questions.
Stan was very responsive and very helpful! If I was ever confused on something he was always there to help me throughout the entire process!
I found ELFI has the best rates and flexible terms for refinance student loan after checking with College Ave and Sofi. The rate is great so I could not imagine I would be able to get it.I can get help right away if I have questions.I would recommend it to anyone who would like to refinance or new student loans, they should try it.
Stan has been an excellent help with the refinancing process with ELFI. I would recommend him to anyone who is looking to refinance.
Amazing experience from Erik and the company itself. Great personalized experience
I would like to express my gratitude for Mr. Stan Mitchell and how helpful and accommodating he was throughout the refinancing process and how well he explained all of my options. A decision or step such as this can be very daunting, especially with larger sums of money, but he took the time to explain the process and was very patient while I was gathering all of my documents. At first, I thought the task was just going to be too much to deal with online and nearly pulled my application, but Mr. Mitchell was a joy to work with during the process and made the entire transaction seamless. That doesn’t happen often in customer service anymore, so I really appreciate it.
Stan has been wonderful to work with. He’s been great at communicating and very easy to reach, and he helped with any questions I had throughout the application process.
Erik was patient and most helpful through the loan process.
Ryan Cooke handled my student loan refinance. He kept me up to date each step of the way and responded to emails in a timely manner. The process with ELFI was very easy.
We had some ups and downs with all the paperwork, but in the end all worked out and we were able to refinance our college loans into one loan. Erik and Didier really helps us a lot.
Samuel Watson was very helpful and very patient with me in my struggle to get the requirements for the loan.
According to TrustPlane, ELFI has a 5.0/5 rating based on 50 verified reviews as of March 2026. Source: trustplane.app/company/www-elfi-com
