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Wire transfers and direct deposit are both methods for moving money, but they have significant differences. Wire transfers are usually done on an individual basis and allow you to send money from your bank account to someone else’s account electronically, either domestically or internationally. Direct deposit, however, is typically used by businesses and organizations, often on a recurring basis, to transfer funds between bank accounts, though these transactions are typically limited to U.S. banks only. These two kinds of financial transactions are also processed differently and can involve dissimilar fees.
Read on to learn more about the differences between a wire transfer vs. direct deposit so you can use the technique that best suits your needs.

What Is a Wire Transfer?

A wire transfer is an electronic transaction that allows money to move from one bank account to another. You initiate the wire transfer through your bank if you’re the person who’s sending money. The bank executes the transfer on your behalf and typically charges you a fee for that service. Some points to be aware of:

•   Wire transfers can be domestic, meaning you’re transferring money from one bank to another in the U.S., or international. For example, you might live and bank in the U.S. but need to send money to relatives living in Spain. A wire transfer would allow you to do that, without having to send cash or put a check in the mail.

•   Banks and credit unions can offer wire transfer services. The timing can vary, with domestic transfers typically being completed within a business day, while international ones can take between one and five days.

•   The fees you pay for a domestic or international wire transfer will depend on which financial institution completes the transfer for you. Some banks also charge a fee to receive a wire transfer into your account. Typically, outgoing wire transfers can cost anywhere from $0 to $50 depending on the transaction’s details.

•   It’s also possible to wire money through nonbank providers, such as Western Union or MoneyGram, if you don’t have a bank account or you need to send cash to someone. Each company has its own fee schedule that determines how much you’ll pay to send or receive money.

How Do Wire Transfers Work?

Wire transfers work by allowing you to send money directly from your bank account to someone else’s. You can use a wire transfer to send money to an individual or to a business.

Each bank has its own wire transfer policies but generally, the process works like this:

•   The sender provides their bank with the required information to initiate a wire transfer, making sure they have enough funds for the transaction.

•   The bank verifies the information and calculates the wire transfer fee, if applicable.

•   The sending bank initiates a transfer action with the recipient bank through a secure messaging network.

•   The recipient bank acknowledges the message and deposits funds equal to the amount of the transfer into the recipient’s account.

Wire transfers can be sent through SWIFT (Society for Worldwide Interbank Financial Telecommunication), the Federal Reserve Wire Network, or the CHIP (Clearing House Interbank Payments) system.

In terms of processing times, domestic transfers are typically completed within one business day, while international wire transfers may take one to five business days. There may also be cutoff times at a given financial institution, which can impact how quickly the funds are transferred and made available.

Recommended: Emergency Fund Calculator: Estimate How Much to Save

What You Need to Send a Wire Transfer

Wiring money is a fairly straightforward process, and it starts with organizing the required information. Here’s what you’ll need to send a wire transfer at a bank.

•   Domestic transfers. You’ll need the recipient’s name, address, their bank account number, and their bank’s routing number. Some banks may request the recipient’s phone number as well.

•   International transfers. You’ll need the recipient’s name, address, and bank account number (IBAN), as well as their bank’s SWIFT code (this may be referred to as a BIC, or bank identification code).

You’ll also need to have sufficient funds in your bank account to cover the amount of the transfer, plus any wire transfer fee the bank charges. Depending on whether the transfer is domestic or international and the type of account you have, the wire transfer fees could range from $0 to $50, as noted above.

If you’re sending money via wire transfer through Western Union, MoneyGram, or another nonbank provider, you’ll typically need the following:

•   Your government-issued photo ID and personal details

•   Funds for the transaction and to cover any fees (you may be able to pay with cash, a credit card or debit card, or via your bank account, depending on the specific transfer and service involved)

•   Recipient’s name, phone number, and address

•   Recipient’s bank name, account number, and routing number

•   SWIFT code for international transfers

One thing to note is that once a wire transfer is sent, it’s very difficult to get the money back or cancel the transaction. So it’s important to double-check all of the information beforehand to make sure you’re sending the right amount of money, to the right person, and the right bank account.

Advantages and Disadvantages of Wire Transfers

Wire transfers can be a good choice for sending money in certain situations. For example, if you need to deliver funds to someone within one business day, a domestic wire transfer could allow you to do that. There are, however, some downsides to consider.

Advantages	Disadvantages
Wire transfers are typically quick, with domestic transfers usually processing within one business day.	In most cases, you cannot reverse or change a wire transfer once it’s been sent.
Wire transfers can allow you to send large amounts of money without having to write checks.	Your bank may impose limits on the amount of money you can transfer in a single transaction.
A wire transfer can be a secure way to send money domestically or internationally.	Scammers may use ploys involving wire transfer requests to defraud consumers.
There is no risk of incurring overdraft or nonsufficient funds fees, as there is with payments by check.	Banks can charge fees for domestic and international wire transfers, up to $50 each.

In terms of what’s good about wire transfers, they’re a fast way to send money and they’re more reliable and secure than checks or cash. On the other hand, there are the fees to contend with and the inherent risk of sending the wrong amount or directing funds to the wrong bank account. Additionally, other money transfer services may be just as fast without charging steep fees.

What Is a Direct Deposit?

Direct deposit allows you to receive money into your bank account electronically, without needing to deposit a paper check or cash. Funds move from the sender’s account to your account on a scheduled date. To delve in a little more deeply:

•   Direct deposit can be a convenient way to receive funds in the U.S. There’s no need to wait for a check and then deposit or cash it.

•   Depending on where you bank and the kind of account you have, you may be able to get paid up to two days early with direct deposit payments.

•   This method is often used for recurring payments, such as wages.

•   You can set up direct deposit to receive your paychecks, tax refunds, or payments of government benefits if you receive them.

•   Direct deposit can also be used to send payments for court-ordered child support. Parents who are required to pay support through a wage withholding plan may opt to have that money withdrawn from their paychecks automatically. Those funds can then be routed to the recipient parent’s bank account via direct deposit.

It’s worth noting that direct deposit is a very popular technique for getting paid. In fact, more than 95% of Americans are paid this way.

Also, there are some exceptions to the U.S.-only rule. For instance, if you are eligible to receive Social Security payments but live outside the U.S., you may be able to receive your benefits via direct deposit to an American financial institution or one overseas that has an international direct deposit agreement with the U.S.

How Does Direct Deposit Work?

Direct deposits are a form of ACH (or Automated Clearing House) payment. The ACH is a network that links banks in order to allow for the transfers of funds. An ACH transfer is one kind of electronic funds transfer, or EFT. In terms of the difference between ACH vs. EFT, the former refers to a specific category of payment methods, while the latter includes a broader range of electronic payments.

That’s important to understand when discussing how direct deposit works. Here’s what the process involves:

•   On a scheduled day, the sender forwards a direct deposit request to the Automated Clearing House.

•   The ACH processes the transaction and forwards the appropriate amount of funds to the recipient’s bank.

•   The recipient bank verifies the details of the direct deposit and credits the recipient’s bank account with the money.

•   The deposit amount is then deducted from the sender’s bank account.

There’s typically no fee to enroll in direct deposit as the recipient, though senders may pay a fee to the bank. That can include a set-up fee as well as a fee for each direct deposit transaction.

The average time for direct deposit to be completed and clear your bank account can vary based on where you bank. You may be able to get paid early (up to two days before “payday,” typically). However, the bank’s funds availability policy will determine when you can access the money in your account.

One additional note: Although direct deposit is typically initiated by businesses and government agencies using ACH transfers, individuals may be able to send a version of direct deposit via an app (either your bank’s or a third-party app) to transfer funds to, say, a friend or family member’s account.

What You Need to Send a Direct Deposit

If you would like to receive direct deposits of your paychecks, you’ll likely need to fill out a direct deposit form with some personal and banking details. These may include:

•   Your name and Social Security number

•   Bank account number and routing number where the money should be sent

•   Account type (checking or savings)

•   Possibly a voided check and/or deposit slip

•   Details on whether you want the full paycheck sent to checking or perhaps some of it deposited into a savings account.

You’ll usually sign and date the form; then, your employer’s payroll department will typically handle the processing of these materials. Keep in mind that it may take one to two pay cycles for the direct deposit to take effect, as well as the fact that direct deposit is usually only for use within the U.S.

If you want to send money to someone via direct deposit as an employer, you’ll have to coordinate with your payroll processor to initiate a program. You’ll need to provide your employees with a direct deposit form and get their personal and bank account information, as noted above, in order to start direct deposit payments.

Advantages and Disadvantages of Direct Deposit

Just like wire transfers, direct deposit can have some pros and cons. It’s important to consider both if you have the option to enroll in direct deposit to receive your paychecks, tax refunds, government benefits, child support, or other payments.

Advantages	Disadvantages
No need to visit a bank branch to deposit payments to your bank account.	Tech snafus could result in delays in receiving direct deposit payments.
Potentially get paid up to two days early when you enroll in direct deposit of your paychecks.	Initial set-up can take time to process, and you may still need to get paid via paper check in the meantime.
Direct deposit is typically free for employees.	Changing banks means updating direct deposit information, which can slow down payments temporarily.
You can split direct deposit payments into multiple accounts to make paying bills or saving easier.
Direct deposit payments of certain government benefits may be protected from being seized by creditors.

Direct deposit can be a convenient and cost-effective way to get paid. As with wire transfers, it’s important to make sure your account information is accurate and up-to-date. Sending a direct deposit to a closed account or to the wrong bank account could create financial headaches that may take time and effort to untangle.

Why You Might Use a Wire Transfer Over a Direct Deposit

There are some situations where it might make sense to choose a wire transfer in place of a direct deposit payment. For example, you might choose a wire transfer if you:

•   Need to make a one-time payment to another person or business

•   Want to send a large amount of money securely, without having to write a check or purchase an official check from the bank

•   Are making a time-sensitive payment and don’t mind paying a fee to be able to do so

•   Want to send money to another person or business internationally

•   Have sufficient funds in your account to cover the payment and fees

The most important thing to consider may be the fees you’ll pay. Again, the cost of sending or receiving a wire transfer can vary by bank. Also, you might find yourself in a situation in which the recipient of the wire transfer has to pay a fee to receive it and wants you to cover that cost. Being aware of fees upfront can help you decide if a wire transfer is the best option.

Why You Might Use a Direct Deposit Over a Wire Transfer

Direct deposits can be useful in a number of situations. You might choose to enroll in direct deposit if you:

•   Want to get paid without having to deposit a paper check and waiting for it to clear

•   Prefer to access your pay up to two days early, thanks to your bank’s policies

•   Receive government benefits that you may be able to protect from creditor actions

•   Would like to be able to split your paychecks, government benefits, or tax refunds across multiple checking and savings accounts

•   Receive child support payments and would like them to be delivered to you without having to interact with the other parent

•   Prefer to avoid the fees associated with wire transfers

Whether you choose a direct deposit vs. wire transfer can ultimately depend on the situation. If you need to send money, you can do that with a wire transfer. If you want to receive money, you could do so using wire transfers or (in the case of paychecks and certain other payments) direct deposit. Direct deposit is often a convenient way to receive recurring payments from a business or government agency.

The Takeaway

Wire transfers and direct deposit are both convenient ways to move funds. Typically, a wire transfer is a one-off way to quickly and securely send funds, domestically and internationally, though fees are often involved. Direct deposit, on the other hand, is usually used by businesses and government agencies to send money (such as paychecks or tax refunds) within the U.S., with the recipient not having to pay any fees.

SoFi currently offers incoming and limited outgoing domestic wire transfers, and our Checking and Savings accounts can offer a great place to receive direct deposits. Qualifying deposits may even be available up to two days early.

Interested in opening an online bank account? When you sign up for a SoFi Checking and Savings account with eligible direct deposit, you’ll get a competitive annual percentage yield (APY), pay zero account fees, and enjoy an array of rewards, such as access to the Allpoint Network of 55,000+ fee-free ATMs globally. Qualifying accounts can even access their paycheck up to two days early.

Better banking is here with SoFi, NerdWallet’s 2024 winner for Best Checking Account Overall.* Enjoy 3.60% APY on SoFi Checking and Savings with eligible direct deposit.

FAQ

Can you send direct deposits with a mobile app?

It’s possible to send direct payments to friends and family via a mobile app. Person-to-person payment apps allow you to forward funds from your bank account to someone else’s; your bank’s app may also have this capability. Depending on the particular transaction, there may be little or no fees involved.

Can you send direct deposits internationally?

It is possible to send direct deposit payments internationally in some situations. For instance, if you live abroad and receive Social Security benefits, you might receive them at a bank which has an international direct deposit agreement with the U.S.

Can you send wire transfers with a mobile app?

You can send wire transfers with your bank’s mobile app if the app is equipped with this feature. You’d need to provide the same information as you would if you were completing a wire transfer in person and make sure that the account you’re sending the money from has sufficient funds to cover the transfer and the fee.

Is there a fee with sending direct deposits?

If you’re sending direct deposit as an employer to one or more employees, your bank may charge a fee for that. If you’re receiving direct deposit of paychecks, tax refunds, or government benefits, there’s usually no fee for that. If you’re sending a direct payment to someone else, the app you’re using might charge a fee.

SoFi Checking and Savings is offered through SoFi Bank, N.A. Member FDIC. The SoFi® Bank Debit Mastercard® is issued by SoFi Bank, N.A., pursuant to license by Mastercard International Incorporated and can be used everywhere Mastercard is accepted. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.

Annual percentage yield (APY) is variable and subject to change at any time. Rates are current as of 11/12/25. There is no minimum balance requirement. Fees may reduce earnings. Additional rates and information can be found at https://www.sofi.com/legal/banking-rate-sheet

Eligible Direct Deposit means a recurring deposit of regular income to an account holder’s SoFi Checking or Savings account, including payroll, pension, or government benefit payments (e.g., Social Security), made by the account holder’s employer, payroll or benefits provider or government agency (“Eligible Direct Deposit”) via the Automated Clearing House (“ACH”) Network every 31 calendar days.

Although we do our best to recognize all Eligible Direct Deposits, a small number of employers, payroll providers, benefits providers, or government agencies do not designate payments as direct deposit. To ensure you're earning the APY for account holders with Eligible Direct Deposit, we encourage you to check your APY Details page the day after your Eligible Direct Deposit posts to your SoFi account. If your APY is not showing as the APY for account holders with Eligible Direct Deposit, contact us at 855-456-7634 with the details of your Eligible Direct Deposit. As long as SoFi Bank can validate those details, you will start earning the APY for account holders with Eligible Direct Deposit from the date you contact SoFi for the next 31 calendar days. You will also be eligible for the APY for account holders with Eligible Direct Deposit on future Eligible Direct Deposits, as long as SoFi Bank can validate them.

Deposits that are not from an employer, payroll, or benefits provider or government agency, including but not limited to check deposits, peer-to-peer transfers (e.g., transfers from PayPal, Venmo, Wise, etc.), merchant transactions (e.g., transactions from PayPal, Stripe, Square, etc.), and bank ACH funds transfers and wire transfers from external accounts, or are non-recurring in nature (e.g., IRS tax refunds), do not constitute Eligible Direct Deposit activity. There is no minimum Eligible Direct Deposit amount required to qualify for the stated interest rate. SoFi Bank shall, in its sole discretion, assess each account holder's Eligible Direct Deposit activity to determine the applicability of rates and may request additional documentation for verification of eligibility.

See additional details at https://www.sofi.com/legal/banking-rate-sheet.
*Awards or rankings from NerdWallet are not indicative of future success or results. This award and its ratings are independently determined and awarded by their respective publications.

Financial Tips & Strategies: The tips provided on this website are of a general nature and do not take into account your specific objectives, financial situation, and needs. You should always consider their appropriateness given your own circumstances.

Third-Party Brand Mentions: No brands, products, or companies mentioned are affiliated with SoFi, nor do they endorse or sponsor this article. Third-party trademarks referenced herein are property of their respective owners.

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Understanding the differences between a FICO® Score and a Credit Karma Score is essential for managing your credit health. Both scores provide insight into your creditworthiness, but they are calculated using different models and data sources.

The FICO Score, developed by the Fair Isaac Corporation, is the most widely used credit scoring model by lenders, while Credit Karma relies on the VantageScore® model, which is based on data from TransUnion® and Equifax®. Knowing how each score is calculated and used can help you make informed financial decisions, whether you’re applying for a loan or simply monitoring your credit health.

Keep reading to learn more on FICO Score vs Credit Karma score, including how each model works, the differences between FICO Score and Credit Karma score, how credit scores are calculated, and more.

What Is a Credit Report?

A credit report is a statement that has information about your current and past history of paying loans and other types of credit. People have more than one credit report, as there are several different companies that collect and maintain credit information about consumers.

Three of the largest credit reporting agencies are Equifax, Experian®, and TransUnion, and many consumers have credit reports from all three of these credit reporting agencies. Typically, credit scores are calculated using the information on these credit reports, and you can build credit by improving the information on your credit report.

How Credit Karma Score Works

Credit Karma uses the VantageScore model, which evaluates factors like payment history, credit utilization, length of credit history, types of credit accounts, and recent inquiries to generate a credit score. Unlike the FICO Score, which is used by 90% of lenders, the VantageScore is primarily for educational purposes, helping consumers track their credit health and understand financial habits.

By providing free access to credit scores and reports, Credit Karma allows users to monitor changes, detect potential identity theft, and receive personalized recommendations for credit products. The platform updates scores regularly and offers insights on how different financial actions, such as paying off debt or opening new accounts, can impact credit standing.

Recommended: Differences Between VantageScore and FICO Credit Scores

How FICO Works

The FICO Score is a widely used credit scoring model that evaluates a consumer’s creditworthiness based on five key factors:

•   Payment history (35%)

•   Amounts owed (30%)

•   Length of credit history (15%)

•   New credit inquiries (10%)

•   Credit mix (10%)

FICO Scores are considered highly reliable because they focus on a borrower’s financial behavior over time. Higher scores indicate responsible credit management and lower credit risk, which can help secure better loan terms and interest rates.

Differences Between Credit Karma Score vs. FICO Score

The FICO Score and Credit Karma score differ primarily in the scoring model and data sources they use:

1.    Scoring Model: FICO Scores are calculated using proprietary algorithms developed by the Fair Isaac Corporation. Credit Karma, on the other hand, provides scores based on the VantageScore model, which was created by the three major credit bureaus (Equifax, Experian, and TransUnion).

2.    Credit Bureau Data: FICO Scores can be derived from any of the three credit bureaus’ data, depending on what the lender requests. Credit Karma primarily pulls data from Equifax and TransUnion, which may lead to differences in reported scores.

3.    Usage by Lenders: FICO Scores are the standard used by most lenders when making credit decisions, while VantageScore, which Credit Karma uses, is more common for educational and consumer monitoring purposes.

4.    Score Range: Both models have credit score ranges from 300 to 850, but their algorithms weigh factors like payment history, credit utilization, and new credit inquiries differently, leading to potential score discrepancies.

5.    Frequency of Updates: Credit Karma updates scores more frequently, often providing users with weekly updates, while FICO Scores are updated when requested by a lender or when information on your credit report changes.

How Credit Scores Are Calculated

Each company that creates a credit score has their own proprietary formula for what factors affect your credit score. This is the reason that credit scores from different companies vary. However, most companies use similar types of information. We already discussed what makes up the FICO Score; here is how VantageScore compares:

•   Payment history (40%)

•   Depth of credit (21%)

•   Credit utilization (20%)

•   Balances (11%)

•   Recent credit (5%)

•   Available credit (3%)

As you can see, payment history is weighted more heavily with VantageScore than FICO, and new or recent credit is weighted less. All of these factors will cause your credit score to differ by a few points between companies.

How to Check Your Credit Score and Credit Report

To check your credit score and credit report, you can visit websites like AnnualCreditReport.com, which provides free access to reports from the three major credit bureaus once a year. Additionally, many credit card companies and financial apps offer free access to your credit score and updates.

How to Access Your FICO Score and Credit Karma Score

If you want to know your FICO score, here are five ways to check it:

•   Check with your bank or credit card issuer: Many financial institutions offer free FICO Score access to customers.

•   Visit the official FICO website: Purchase your score directly from myFICO.com.

•   Use credit monitoring services: Paid credit monitoring services like Experian CreditWorks offer regular access to your FICO Score, along with credit report updates and alerts for suspicious activity.

•   Check with credit counseling agencies: Some nonprofit agencies offer free credit score reviews.
Request a credit report: While not always included, some reports might show your FICO Score.

Here’s how you can specifically access your Credit Karma score:

•   Visit the website or download the app: Go to the official Credit Karma website or download the mobile app from the App Store or Google Play.

•   Create an account: Provide personal information such as your name, address, Social Security number, and email to set up an account.

•   Verify your identity: Answer security questions related to your credit history to confirm your identity.

•   Access your credit score: Once verified, you can view your credit score and credit report for free, updated regularly.

•   Monitor your credit health: Use Credit Karma’s tools to track changes, receive alerts for unusual activity, and get personalized tips to build your credit score.

Recommended: Free Credit Score Monitoring with SoFi

The Takeaway

Understanding the differences between FICO Score and Credit Karma score is helpful for managing your credit effectively. While both provide insights into your credit health, FICO Scores are widely used by lenders, whereas Credit Karma offers free access to VantageScores. Monitoring both is never a bad idea, as they can help you stay informed and improve your financial standing.

Take control of your finances with SoFi. With our financial insights and credit score monitoring tools, you can view all of your accounts in one convenient dashboard. From there, you can see your various balances, spending breakdowns, and credit score. Plus you can easily set up budgets and discover valuable financial insights — all at no cost.

See exactly how your money comes and goes at a glance.

FAQ

Is Credit Karma or FICO Score more accurate?

FICO Scores are considered more accurate for lending decisions because they are the standard used by most lenders. Credit Karma provides VantageScores, which can differ from FICO Scores due to different scoring models and criteria. While helpful for monitoring credit, Credit Karma scores may not reflect what lenders see.

Is my FICO Score the same as my credit score?

Your FICO Score is just one credit score, but it is one of the most popular credit scores used by lenders. When many people refer to their credit score, they are often referring to their FICO score.

Which credit score is most accurate?

There isn’t a consensus on which credit score is the most accurate — each company that produces a credit score believes their own proprietary formula is the best. What’s most important is likely to be the credit score model that is used by the lender that you are using (FICO is the most popular one), since that is the one that will affect your lending decision. The good news is that typically the different credit scores will be within a few points of each other.

What is a good FICO Score to buy a house?

A good FICO Score to buy a house typically falls within the range of 620 to 740, depending on the loan type. Conventional loans often require a minimum of 620, while FHA loans may accept lower scores. Higher scores can secure better interest rates and loan terms.

How do I build my FICO Score?

You can work on building your FICO score in a number of different ways, including regularly paying your bills, loans, and other debt obligations each and every month. Another way to build your FICO and other credit scores is by lowering your credit utilization.

How do I clean up my FICO Score?

One of the first things you can do to clean up your FICO score is to regularly review your credit reports. You can get a free copy of your credit reports each year from each of the major credit bureaus. Make sure that there is no incorrect or out-of-date information on your credit report. If there is, make sure to dispute it with the credit bureau. You can then work to pay off your debts, lower your utilization, and make on-time payments. Over time, this will likely clean up and build your FICO score.

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SoFi Relay offers users the ability to connect both SoFi accounts and external accounts using Plaid, Inc.’s service. When you use the service to connect an account, you authorize SoFi to obtain account information from any external accounts as set forth in SoFi’s Terms of Use. Based on your consent SoFi will also automatically provide some financial data received from the credit bureau for your visibility, without the need of you connecting additional accounts. SoFi assumes no responsibility for the timeliness, accuracy, deletion, non-delivery or failure to store any user data, loss of user data, communications, or personalization settings. You shall confirm the accuracy of Plaid data through sources independent of SoFi. The credit score is a VantageScore® based on TransUnion® (the “Processing Agent”) data.

*Terms and conditions apply. This offer is only available to new SoFi users without existing SoFi accounts. It is non-transferable. One offer per person. To receive the rewards points offer, you must successfully complete setting up Credit Score Monitoring. Rewards points may only be redeemed towards active SoFi accounts, such as your SoFi Checking or Savings account, subject to program terms that may be found here: SoFi Member Rewards Terms and Conditions. SoFi reserves the right to modify or discontinue this offer at any time without notice.

Financial Tips & Strategies: The tips provided on this website are of a general nature and do not take into account your specific objectives, financial situation, and needs. You should always consider their appropriateness given your own circumstances.

Third-Party Brand Mentions: No brands, products, or companies mentioned are affiliated with SoFi, nor do they endorse or sponsor this article. Third-party trademarks referenced herein are property of their respective owners.

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