SoFi vs Capital One
SoFi is a personal loans with low APR and fees. Must have good credit to qualify. How does it compare to Capital One? Read our comparison chart below.
 | ||
| Learn More | Learn More | |
SoFi | Capital One | |
|---|---|---|
Personal Loans: Borrow Between $5k-$100k - | Personal Savings Account - $1,500 Bonus - | |
Benefits and Features | ||
| Savings | 3.60% APY on savings balances with direct deposit or qualifying deposits (1.00% APY without) | |
| CD | 3.50% to 3.90% APY. Terms of 6 months to 5 years. 12-month CD APY of 3.90% | |
| Checking | ||
| Mobile App | ||
| ATMs | over 70,000 no-fee Capital One, MoneyPass, and Allpoint ATMs | |
| Customer Service | Checking and Savings Support: Phone: (855) 456-7634 Monday - Thursday: 5AM - 7PM PT Friday - Sunday: 5AM - 5PM PT 24/7 online chat | Phone: 800-655-2265 Monday - Sunday: 8AM - 11PM (ET) |
| Locations | ||
CreditDonkey® Reviews | ||
| ||
| Fees |   | |
| Interest Rates | | |
| Eligibility |  | |
| Savings | | |
| Checking | | |
| Mobile App | | |
| Customer Service | | |
| Pros & Cons | Pros:
| Pros:
|
| Bottom Line | Personal loans with low APR and fees. Must have good credit to qualify... | Good online bank with access to in-person support... |
Capital One: Pricing information from published website as of 12/05/2025. | ||
Which is Better: SoFi or Capital One?
Still need help deciding which bank reviews & deals is better? Read the in-depth reviews below. You may also be interested in comparing SoFi or Wells Fargo.
Articles on SoFi
SoFi Personal Loan
SoFi offers unsecured personal loans if you need to borrow money ASAP. But is it legit (or not)? Learn how SoFi personal loans actually work.
SoFi Bank Review
Seeking high rates and a great digital banking experience? SoFi Bank offers solid accounts and a top-rated mobile app. Read on to know more.
SoFi Bank Locations
SoFi is an online bank offering checking and savings accounts. But does it have physical branches? Keep reading to find out.
SoFi High Yield Savings
Want a high APY and easy access to your money? Get the best of both worlds with SoFi's Checking and Savings account.
Articles on Capital One
Capital One 360
Capital One 360 offers free checking and savings accounts with competitive APY rates. Does it live up to its claims? Find out if it's right for you.
Capital One Money Teen Checking Account Review
Is Capital One a good bank for your teenager? Here are the pros, cons, and fees of a Capital One Money Teen Checking account.
Capital One Savings Account Bonus
Looking for a Capital One savings bonus? Read on to see the available promos today and how to qualify for them.
Capital One CD Rates
Interested in Capital One 360 CDs? Here are their rates and how to open one.
Capital One High Yield Savings
Want to grow your funds passively? Capital One offers a high-yield savings account with a solid APY and easy accessibility. Read on to find out more.
Capital One Checking Account Bonus
Curious about Capital One promotions? Discover their latest checking bonuses, how to qualify, and more to optimize your rewards.
Capital One Bank Hours
Capital One Bank is open 6 days a week. Take a look at their operating hours.
Capital One Routing Number
What is the routing number for Capital One? Find the right one for your account with our guide.
Which Do You Think is Best?
Which Bank Account is Right for You?
You Might Also Like
Banks That Don't Use ChexSystems
Denied a bank account due to your poor banking history? Fret not, some banks don't check your ChexSystems report.
Banks with No Overdraft Fees
Banks are slowly starting to ditch overdraft fees. If you're looking to open a new account without overdraft fees, here are some of the top picks.
Easiest Bank Account to Open Online
Find bank accounts you can open online with no minimum balances and credit checks. Choose from over 10 top choices like Chime, Capital One, and more.
Best Joint Checking Accounts
Explore an expert review of the top joint checking accounts for your needs: married couples, unmarried couples, parents-teens, and businesses.
Next Page: SoFi Personal Loan Review
