No Credit Check Loans Guide | SoFi
Personal loans with no credit check may be an option to access fast cash, but beware sky-high interest rates and fees. Here are key things to know.| SoFi
10 Signs That You Are Financially Stable | SoFi
Financial stability signs include following a budget, saving regularly, and living below your means. Learn more about responsible money management.| SoFi
How to Report Identity Theft | SoFi
If you think your information has been used fraudulently, there are steps you can take. Learn how to place a fraud alert on your credit reports and file an FTC report.| SoFi
What’s a Credit Bureau? Examining the Top 3 Bureaus | SoFi
What is a credit bureau? Learn about the three major credit bureaus, the info they monitor, how they get info, who uses their info, and more.| SoFi
Soft vs Hard Credit Inquiry | SoFi
There are two different types of credit checks: a soft inquiry and a hard inquiry. Here is a look at each type of inquiry.| SoFi
10 Strategies for Building Credit Over Time | SoFi
Establishing good credit is crucial for your financial future. Here are seven ways to build (and maintain) good credit.| SoFi
What Is a Travel Credit Card? How Does It Work? | SoFi
Travel credit cards can allow you to earn rewards, such as airline miles or hotel points, to use on future trips. Learn the details.| SoFi
Credit Card Utilization: Everything You Need To Know | SoFi
This guide covers calculating your credit card utilization, monitoring your credit card spending, and how your utilization ratio affects your credit score.| SoFi
Kylie Ora Lobell, Author at SoFi
You are now leaving the SoFi website and entering a third-party website. SoFi has no control over the content, products or services offered nor the security or privacy of information transmitted to others via their website. We recommend that you review the privacy policy of the site you are entering. SoFi does not guarantee or endorse the products, information or recommendations provided in any third party website. | SoFi
10 Credit Card Rules You Should Know | SoFi
Nobody makes you take a class before they hand you a credit card—but maybe they should. Here are some important dos and don’ts.| SoFi
Understanding Purchase Interest Charges on Credit Cards | SoFi
If you’re carrying credit card debt, a personal loan can help you escape purchase interest charges and take control of your debt.| SoFi
When are Credit Card Payments Due? | SoFi
When are credit card payments due? Learn about credit card payment due dates, billing cycles, and why it is important to pay on time.| SoFi
Are Credit Card Rewards Taxable? Guide to Paying Taxes on Rewards | SoFi
In some cases, credit card rewards may be taxable. Learn the details about your credit card reward tax status.| SoFi
10 Common Credit Card Scams and How to Avoid Them | SoFi
Credit card scams are rising. Protect yourself by knowing about these 10 common ploys, like prepaid card and charity scams.| SoFi
What Credit Score Is Needed to Rent an Apartment in 2025? | SoFi
There’s no standard credit score needed to rent an apartment. However, you’ll generally need a good score for your rental application to get approved.| SoFi
What Factors Affect Your Credit Score? | SoFi
To build your credit score, pay your bills on time, don’t borrow too much money, and watch out for fraudulent charges. Read more about what affects your score.| SoFi
Statute of Limitations on Debt: Things to Know | SoFi
The statute of limitations on debt is the length of time a creditor has to sue you in court over the money you owe. Read on for more info on this important topic.| SoFi
What Is Debt Settlement and Is It a Good Idea? | SoFi
Debt settlement companies promise their clients they can negotiate with creditors to reduce customers’ debt payoff amount, but their for-profit mentality comes with certain financial risks.| SoFi
Using the Debt Avalanche Method of Paying Off Debt | SoFi
Debt is a slippery slope. The popular Avalanche paydown plan can help reverse the momentum with a focus on high-interest debt, but it isn’t right for everyone.| SoFi
What Is a Credit Card Interest Cap? | SoFi
Explore the debate around a credit card interest cap. Learn how a cap would provide debt relief to some, but could also limit access to credit for high-risk borrowers.| SoFi
Credit Card Debt Collection: What Is It and How Does It Work? | SoFi
Debt collectors seek repayment of funds that you owe. Learn how they work and what to do if your credit card debt is sent to collections.| SoFi
33 Ways to Make Money From Home | SoFi
Making money from home might sound like a dream come true, but it isn't always a breeze. Learn about some easy ways to make money right at home.| SoFi
39 Passive Income Ideas to Help You Earn Money in 2026 | SoFi
Earning passive income can help you to achieve financial independence and greater wealth. Learn about the best ways to get started earning passive income.| SoFi
How to Increase Your Credit Limit | SoFi
Increasing your credit limit can be as simple as contacting the card issuer. But you'll want to minimize the impact on your credit score. Learn how.| SoFi
Tips for Financially Surviving a Layoff | SoFi
Losing your job can be financially challenging. Learn smart ways to budget, tap resources, and avoid debt while unemployed.| SoFi
What Is an Unsecured Personal Loan? | SoFi
What is an unsecured loan, and how are they used? This article discusses secured vs unsecured loans and the most common uses for an unsecured personal loan.| SoFi
What Are the Effects of Carrying a Balance on Credit Cards? | SoFi
Carrying a balance on a credit card can make it challenging to get out of debt and can cost more in interest.| SoFi
What Is a Secured Credit Card & How Does it Work? | SoFi
A secured credit card is a card for people with limited or damaged credit and requires them to put down a security deposit as the line of credit.| SoFi
Tips for Using a Credit Card Responsibly | SoFi
We’ll share tips to help you use your credit cards responsibly and, if applicable, tips to get your outstanding credit card balances under control.| SoFi
Apply for a Credit Card: Step-By-Step Guide | SoFi
Applying for a credit card usually requires gathering your information, filling out a form, and managing the credit impact of the process. Learn more.| SoFi
How to Dispute a Credit Card Charge: All You Need to Know | SoFi
Looking to challenge fraudulent credit card purchases, billing errors, or bad service? Learn all you need to know about disputing a credit card charge.| SoFi
Credit Card Rewards 101: Getting the Most Out of Your Credit Card | SoFi
What are credit card rewards and how do they work? Learn about the different types of credit card rewards and tips for maximizing them.| SoFi
Average Credit Card Interest Rates | SoFi
The latest average credit card interest rate is over 20%. Learn more about how credit card APR works and interest rates here.| SoFi
How Old Do You Have to Be to Get a Credit Card? | SoFi
Typically, you need to be at least 18 years old to get a credit card. Learn the full story about becoming a young cardholder here.| SoFi
What Is a Credit Card Issuer? All You Need to Know | SoFi
A credit card issuer is a financial institution that offers, provides, and manages credit cards used by consumers. Learn more here about how they work.| SoFi
What Is a Credit Card Chargeback? Should You File One? | SoFi
What is a credit card chargeback? Learn how a credit card chargeback works, when to use it, and how to submit a dispute.| SoFi
What Is APR on a Credit Card? | SoFi
A credit card's APR is the annual interest rate you will be charged for accessing credit Learn more about how this important financial concept works.| SoFi
How Do Credit Cards Work? In-Depth Guide | SoFi
Credit cards allow you to borrow money on a revolving credit line for daily or emergency purchases. Learn about what credit cards are & how they work.| SoFi
Credit Card | SoFi Learn
With SoFi, you can get closer to accomplishing your goals—whether it's refinancing your student loans, paying off your credit cards, or growing your wealth.| SoFi
What Is the Average Credit Card Limit for Americans? | SoFi
The average credit card limit for Americans is currently $28,930. Learn more about this number, plus how to get a credit limit increase.| SoFi
Ashley Kilroy, Author at SoFi
You are now leaving the SoFi website and entering a third-party website. SoFi has no control over the content, products or services offered nor the security or privacy of information transmitted to others via their website. We recommend that you review the privacy policy of the site you are entering. SoFi does not guarantee or endorse the products, information or recommendations provided in any third party website. | SoFi
Where to Cash a Check Without Paying a Fee | SoFi
Cashing a check is often free, but some places charge a hefty fee to convert a check into cash. Learn where you can cash a check for free (or a minimal fee).| SoFi
What Is a Debit Card? | SoFi
Debit cards can be used to make payments in person and online and access money from an ATM. Learn more about your wallet’s workhorse.| SoFi
How to Deposit Cash at an ATM | SoFi
You may be able to deposit cash at an ATM, depending on your banking network. Fees may be charged. Learn the details of depositing cash at an ATM.| SoFi
Can I Use My Debit Card in Another Country? | SoFi
If you’re thinking about using your debit card internationally, read this advice on how to do so with minimal or no fees and while keeping your finances safe.| SoFi
ATM Took My Money but Did Not Deposit! What Do I Do? | SoFi
Uh-oh: What if an ATM eats your cash and doesn’t credit your account? While it’s a rare occurrence, learn the smart steps that can resolve the issue.| SoFi
Jacqueline DeMarco, Author at SoFi
You are now leaving the SoFi website and entering a third-party website. SoFi has no control over the content, products or services offered nor the security or privacy of information transmitted to others via their website. We recommend that you review the privacy policy of the site you are entering. SoFi does not guarantee or endorse the products, information or recommendations provided in any third party website. | SoFi
What Is Insolvency and How Does It Work? | SoFi
Learn what insolvency means, how it works, and what options are available when a business or individual can’t meet their financial obligations.| SoFi
Guide to Debt Covenants | SoFi
Debt covenants are limitations placed on borrowers to restrict their actions. They are important for small business owners to understand. Learn more.| SoFi
Understanding Business Liabilities | SoFi
Business liabilities go to the right side on a balance sheet and include loans, accounts payable, mortgages, and deferred revenues. Learn more today with SoFi.| SoFi
What You Should Know About Short-Term Business Loans | SoFi
Wondering if a short-term business loan could help your business thrive? Here’s a look at some pros and cons so you can make an informed decision.| SoFi
15 Types of Business Loans to Consider | SoFi
Need money for your business? Learn about the many different types of small business loans to get the right funding.| SoFi
What Are Business Audits? How Can You Prepare for Them? | SoFi
While the chance of an IRS small business audit is low, you should still be prepared. Learn about avoiding audits, and how they can be beneficial today.| SoFi
Guide to Off-Balance-Sheet Financing | SoFi
Off-balance sheet financing is when businesses keep some assets and liabilities off of their balance sheets to change certain financial ratios. Learn more.| SoFi
Understanding Business Debt Consolidation Loan Options | SoFi
Business debt consolidation involves merging several small business loans into a single loan with the goal of securing a lower interest rate and streamlining repayment.| SoFi
What Is Bankruptcy? Is It Ever the Right Option? | SoFi
Is bankruptcy the right option for you? Read on for information on how bankruptcy works and if it may be an option you should pursue.| SoFi
Private Student Loan Statute of Limitations: What You Need to Know
A statute of limitations is a legal time limit that determines how long lenders have to sue borrowers for unpaid debt. It doesn’t erase the debt itself, but it prevents legal action like wage garnishment after the period expires. While this concept applies to many types of debt, its role in private student loans is […] The post Private Student Loan Statute of Limitations: What You Need to Know appeared first on SoFi.| SoFi
401(k) vs Pension Plan: Differences and Which is Better For You
A 401(k) plan is a retirement savings plan in which employees contribute to a tax-deferred account via paycheck deductions (and often with an employer match). A pension plan is a different kind of retirement savings plan in which a company sets money aside to give to future retirees. Over the past few decades, defined-contribution plans […] The post 401(k) vs Pension Plan: Differences and Which is Better For You appeared first on SoFi.| SoFi
How Much Income Is Needed for a $150,000 Mortgage?
If you earn around $50,000 to $60,000 a year or more, you may be in a good position to afford a $150,000 mortgage. The exact amount you’ll be able to borrow — even if you are in that salary range — will likely depend on several other variables as well, including how much debt you […] The post How Much Income Is Needed for a $150,000 Mortgage? appeared first on SoFi.| SoFi
10 Top Monthly Dividend Stocks for January 2026
Table of Contents Top 10 Monthly Dividend Stocks by Yield What Are Monthly Dividend Stocks? How Does Dividend Investing Work? Types of Monthly Dividend Stocks Ways to Evaluate Monthly Dividend Stocks Pros and Cons of Investing in Monthly Dividend Stocks Things to Avoid When Investing in Monthly Dividend Stocks FAQ While most dividend-paying stocks do […] The post 10 Top Monthly Dividend Stocks for January 2026 appeared first on SoFi.| SoFi
How Refinancing Credit Card Debt Works
Spending is on the rise — and so is consumer debt. Americans carry, on average, four active credit cards and have $6,523 in credit card debt, In Q2 2025 alone, U.S. credit card debt rose by $24 billion over the previous quarter, according to the Federal Reserve Bank of New York. Credit card debt can […] The post How Refinancing Credit Card Debt Works appeared first on SoFi.| SoFi
How Can Consolidating Student Loans Affect Your Credit?
Consolidating federal student loans can help you manage and streamline your payments. However, it also means that the new loan account shows up on your credit report. You may be concerned then about whether student loan consolidation hurts your credit. The short answer is that it can indirectly affect your credit in both positive and […] The post How Can Consolidating Student Loans Affect Your Credit? appeared first on SoFi.| SoFi
What Happens to Your 401(k) When You Leave Your Job? | SoFi
Ever wonder what happens to your 401(k) when you leave a job? Learn more about what you need to do with your 401(k) when you change jobs.| SoFi
Working Capital Loans: Compare Top Options | SoFi
Learn about working capital loans and how they can help cover daily business operations and short-term expenses.| SoFi
Average US Salary by State for 2025 | SoFi
The average salary in the U.S. is $66,622. How yours compares can depend on the state you live in. Learn the average and median salaries in each.| SoFi
Guide to Insolvency vs Bankruptcy | SoFi
While insolvency and bankruptcy are often used as synonyms, they have very distinct meanings. Learn how these two terms differ, as well as what they mean.| SoFi
What Do You Need to Open a Bank Account? | SoFi
Opening a bank account may require government ID, personal information, an opening deposit, and more. Learn the details here.| SoFi
Julia Califano, Author at SoFi
SoFi receives compensation in the event you obtain a loan, financial product, or service through SoFi’s marketplace. This webpage is owned and operated by SoFi Lending Corp., licensed by the Department of Financial Protection and Innovation under the California Financing Law, license number 6054612; NMLS number 1121636. ((www.nmlsconsumeraccess.org)). This page is NOT operated by SoFi Bank. Loans, financial products, and services may not be available in all states. All loan terms, including...| SoFi
What To Do When Money Is Tight? Tight Budgeting | SoFi
Even when money is tight, you have options. Learn some spending and saving strategies that can help you get ahead when you're living paycheck to paycheck.| SoFi
How to Secure Your Bank Account From Hackers | SoFi
Learn essential tips to protect your bank account from hackers. Practice safe online banking by setting up account alerts and more.| SoFi
What Is Credit Card Protection? How It Works | SoFi
Credit card protection programs can be helpful if, say, you are traveling or if you lose your job. Learn about the free and paid options here.| SoFi
Pros & Cons of Charge Cards | SoFi
Charge cards aren’t the same thing as debit or credit cards. For instance, they don’t charge interest. Learn more, plus the pros and cons, here.| SoFi
Average Car Loan Interest Rate by Credit Score | SoFi
Learn how your credit score impacts your auto loan rate, monthly payments, and total loan cost, plus tips to secure the best rates.| SoFi
What Is an Asset? | SoFi
Assets are tangible and intangible items — such as stocks, a home, a copyright — which have monetary value or offer a potential future benefit. Learn more.| SoFi
What Is a Guaranteed Minimum Income Benefit (GMIB)? | SoFi
A guaranteed minimum income benefit (GMIB) is an optional rider that can be included in an annuity to provide to the holder. Read on.| SoFi
What Is a Required Minimum Distribution (RMD) for IRAs? | SoFi
According to IRS rules, you must begin to take required minimum distributions (RMDs) from your IRA when you reach a certain age. Learn how RMDs work.| SoFi
How taxes and fees impact return on investment | SoFi
Understanding the costs associated with your investments can help you make a plan to maximize your returns. Read on to learn more.| SoFi
What is Risk Tolerance? Take the Quiz to Find Your Level | SoFi
With its ups and downs, investing is a lot like riding a roller coaster, and knowing your own risk tolerance is an important part of investing. Take our quiz!| SoFi
IRA vs 401(k): What is the Difference? | SoFi
One common question is—what’s the best option: an IRA or a 401(k)? The answer is: over time, you’ll probably use both. Keep reading to learn more!| SoFi
What Is the Average Retirement Age? | SoFi
Let's dive into how you can prepare for a financially comfortable retirement and look at what the average retirement age in the United States really is.| SoFi
What Are the Safest Investments? | SoFi
There’s no such thing as a safe investment, but some types of investments may be less risky than others, depending on the market. Read on.| SoFi
How To Calculate Portfolio Beta: Formula & Examples | SoFi
Investors can gauge the risk in their stock holdings better by knowing their portfolio's beta. Here's how they can calculate the figure themselves.| SoFi
401(k) Taxes: Rules on Withdrawals & Contributions | SoFi
The rules on taxes for a traditional 401(k) and Roth 401(k) depend on which plan an employee participates in.| SoFi
What Are Restricted Stock Units (RSUs) | SoFi
Is your employer offering restricted stock units? Here’s what you need to know about RSUs and whether to think about holding or selling them.| SoFi
401(k) Vesting: What Does Vested Balance Mean? | SoFi
What is the meaning of 401(k) vesting? How does 401(k) vesting work? Learn about the vesting period for a 401(k) plan and how to know if you are fully vested.| SoFi
What Is an Expense Ratio? | SoFi
Interested in learning about expense ratios? Everything you need to know about expense ratios, explained.| SoFi
Solo 401(k) vs SEP IRA: Key Differences and Considerations | SoFi
If you’re self-employed, contributing to a solo 401(k) or SEP IRA could help you save for retirement. Which plan should you choose? Read on to learn more.| SoFi
SEP IRA vs. Simple IRA: The Pros & Cons of Each | SoFi
SEP IRAs and SIMPLE IRAs are similar, but there are some key differences between them. Here’s what you need to know about these retirement savings accounts.| SoFi
What Are Index Funds and How to Invest in Them | SoFi
Index investing, also called passive investing, is a strategy where you buy shares of an index fund that mirrors a market index like the S&P 500. Learn more.| SoFi
Dividends: What They Are and How They Work | SoFi
A dividend is when a company periodically gives its shareholders a payment in cash, additional shares of stock, or property. Read on.| SoFi
What Is Capital Appreciation on Investments? | SoFi
Capital appreciation on investments is among the most common investment strategies for growing wealth. Learn how to grow your money with this strategy.| SoFi
How Often Should You Rebalance Your Portfolio? | SoFi
Portfolio rebalancing can seem complicated, but adjusting the asset allocation of your investments is key to any diversification strategy.| SoFi
Tax-Efficient Investing: Strategies for Beginners | SoFi
What is tax-efficient investing? Tax-efficient investing strategies aim to reduce tax bills generated when an investment is profitable.| SoFi
Exploring Different Types of Investments: Pros and Cons
Understand the different types Understand the different types of investments and investment options out there to help you meet your financial goals.of investments and investment options out there to help you meet your financial goals.| SoFi
How Much Do You Need to Retire? | SoFi
Calculating how much you need to retire is based on personal factors like how much you’ve saved, your Social Security, and your lifestyle. Learn more.| SoFi
What Are Unrealized Gains and Losses? | SoFi
An unrealized gain or loss is the change in market value of an asset from its purchase price, before it is sold.| SoFi
Benefits of ETFs — Pros & Cons in Investment Portfolio | SoFi
Exchange traded funds can be a valuable tool for investing. What are the advantages of ETFs? Learn more here.| SoFi
What Is Stock Volatility & How Do You Measure It? | SoFi
What is volatility in stocks? It is the wild up-and-down price changes in the stock market. To be a good stock market investor, learn to handle volatile stocks.| SoFi
Pros & Cons of Car Refinancing | SoFi
There are pros and cons to car refinancing. Drivers may lower their rate or monthly payment, but it's worth it only if their credit score has improved.| SoFi
What Should Your Average Car Payment Be? | SoFi
Are you overpaying for your car loan? Discover the average car payment and typical interest rate to help you compare how your loan stacks up!| SoFi