Borow Competitors

SoFi is a values-driven company on a mission to help our members get their money right. We create modern financial products and services that help people borrow, save, spend, invest, and protect their money better, so that they can achieve financial independence and realize their ambitions—from owning a home to saving for retirement, paying off their student loans, and more. CFL #6054612; NMLS #1121636 (www.nmlsconsumeraccess.org) Advisory services through SoFi LLC, a registered investment advisor. SoFi Checking and Savings is offered through SoFi Bank, N.A. Member FDIC. SoFi Money™ is offered through SoFi Securities LLC, member FINRA/SIPC.

Upstart (NASDAQ: UPST) is the leading AI lending marketplace, connecting millions of consumers to more than 100 banks and credit unions that leverage Upstart’s AI models and cloud applications to deliver superior credit products. With Upstart AI, lenders can approve more borrowers at lower rates while delivering the exceptional digital-first experience customers demand. More than 90% of loans are fully automated, with no human intervention by Upstart. Founded in 2012, Upstart’s platform includes personal loans, automotive retail and refinance loans, home equity lines of credit, and small-dollar “relief” loans. Upstart is based in San Mateo, California. Upstart Network, Inc. NMLS #936133 | All mortgage lending conducted by Upstart Mortgage, LLC. NMLS #2443873 nmlsconsumeraccess.org

EarnIn lets you access your money as you earn it — not days or weeks later. We’re reimagining the way money moves to make financial momentum accessible to everyone. That starts with payday every day and builds with tools like credit monitoring, automated savings accounts, and low-balance protection. All with no interest, no credit checks, and no mandatory fees. So our customers have as many options as possible to save and spend on their terms. EarnIn’s pioneering Earned Wage Access app is backed by world-class partners like A16Z, Matrix Partners, and DST. Since our founding in 2013, 3.8 million customers have given it over 380,000 5-star reviews for helping them access over $15 billion in earnings. That means: - 49% can now cover an unexpected expense of $400 since using EarnIn - 73% can budget more effectively with EarnIn - 66% have been able to pay bills on time with EarnIn’s help We’re proud of that impact. Because no one should feel stuck — held back from their ambitions, their life — simply because they can’t access the money they’ve already earned. That’s why EarnIn is here, to help people move forward with the lives they want today and the goals they have for tomorrow. Join us. EarnIn is a financial technology company, not a bank. The Deposit Account, Secured Account, and EarnIn Card are issued by Evolve Bank & Trust, Member FDIC. The EarnIn Card is issued pursuant to a license from Visa USA Inc.