SoFi (SOFI -2.48%) has been one of the hottest stocks in the market recently, with shares up by 137% in the past six months. But there are some good reasons it isn't too late to invest in SoFi.Many reasons to still love SoFiThere's a lot to like about SoFi. Just to name a few reasons you still may want to invest in SoFi:Momentum is still strong. In the most recent quarter, SoFi's user base grew by 35% year over year.SoFi has massive potential in credit cards. None of its three credit cards are particularly ...