SoFi, a financial tech startup, is advertising for the first time in this year's Super Bowl. (SoFi)By Bethonie ButlerFebruary 7, 2016By Bethonie ButlerFebruary 7, 2016ShareThe product: SoFi loansThe premise: Some people are great. Other people are not. Identifying characteristics cannot be seen by the naked eye. Somehow, this relates to getting a low rate on a loan. Support our journalism. Subscribe today ArrowRightThe punchline: We're still scratching our heads over here. Apparently, we can only find out if we're great at Sofi.com, where we'll be greeted by… this puzzling ad.The verdict: It's hard to call this one effective, unless you already had your heart set on a loan from SoFi.Read more:Super Bowl 50: Complete coverageWatch the 2016 Super Bowl commercialsGiftOutlineGift ArticleToday's HeadlinesThe most important news stories of the day, curated by Post editors and delivered every morning.