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SoFi vs Chime

SoFi is a personal loans with low APR and fees. Must have good credit to qualify. How does it compare to Chime? Read our comparison chart below.

 SoFiChime
 Learn MoreVisit Site
 

SoFi

Chime

SPECIAL OFFER
Refinance Student Loans - Learn More

Read SoFi Review

SPECIAL OFFER
Get Started - Learn More

Read Chime Review

 

Benefits and Features

Savings 0.50% Annual Percentage Yield (APY). The Annual Percentage Yield ("APY") for the Chime Savings Account is variable and may change at any time. The disclosed APY is effective as of November 1, 2021. No minimum balance required. Must have $0.01 in savings to earn interest.
Checking No monthly service fee; no minimum balance; no overdraft fees; no foreign transaction fees
Mobile App 
iOS & Android
 

CreditDonkey® Reviews

 SoFiChime
EligibilityStarStarHalf StarEmpty StarEmpty Star
FeesStarStarStarStarHalf Star
Interest RatesStarStarStarStarHalf Star
SavingsStarStarStarStarStar
CheckingStarStarStarStarStar
Customer ServiceStarStarStarEmpty StarEmpty Star
Mobile AppStarStarStarStarStar
Pros & ConsPros:
  • Competitive, fixed rates
  • Low fees
  • No collateral
Cons:
  • Slower underwriting process
  • High standards for borrowers
Pros:
  • No account fees
  • Get paycheck 2 days early
  • Up to $200 overdraft coverage
Cons:
  • Hard to deposit cash
Bottom LinePersonal loans with low APR and fees. Must have good credit to qualify... Read full review Read full review
 Learn MoreVisit Site

Blank fields may indicate the information is not available, not applicable, or not known to CreditDonkey. Please visit the product website for details.

Chime: Chime is a financial technology company, not a bank. Banking services provided by, and debit card issued by, The Bancorp Bank or Stride Bank, N.A.; Members FDIC.

Chime

Get Started

Chime is a financial technology company, not a bank. Banking services provided by, and debit card issued by, The Bancorp Bank or Stride Bank, N.A.; Members FDIC.

Chime

Deposit a Check Using a Mobile App

Mobile check deposits allow you to deposit checks without going to the bank. Chime is a financial technology company, not a bank. Banking services provided by, and debit card issued by, The Bancorp Bank or Stride Bank, N.A.; Members FDIC.

Chime

Free Mobile Checking

Chime is a financial technology company, not a bank. Banking services provided by, and debit card issued by, The Bancorp Bank or Stride Bank, N.A.; Members FDIC.


Articles on SoFi

SoFi Personal Loan Review

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 Mortgage Review

Thinking about buying a home or refinancing your existing mortgage? Is SoFi a good online lender or should you stick with a traditional bank? Read on for the pros and cons.

Articles on Chime

Chime Review

Chime has no monthly fees, so what's the catch with the app? Find out how you can get paid two days early and grow your savings.

Chime Alternatives

Chime offers a convenient and rewarding mobile app. But can you earn better rewards and get more account options with one of Chime's top competitors?

Which Do You Think is Best?





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About CreditDonkey
CreditDonkey is a credit card comparison website. We publish data-driven analysis to help you save money & make savvy decisions.

Editorial Note: Any opinions, analyses, reviews or recommendations expressed on this page are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.

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