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Watch out, because contrary to what your mom said, it turns out there’s a chance you’re actually not that great. At least, not in the eyes of a loan assessor. The SoFi Super Bowl commercial isn’t a great ad itself, to be frank, but it’s not bad. It’s kind of cute, it’s got a touch of humor, but it’s far from memorable, and for as brand that’s not well-known nationally, that’s what is needed from a Super Bowl commercial.

If you want to get on the map via a Big Game commercial, your ad needs to be bigger, and this one doesn’t cut it. On the other hand, if you were already considering a loan application while watching Super Bowl 50, maybe this spot would have convinced you? Hard to say, because our attention is already off to the Snickers ad starring Willem Dafoe…