# SoFi: how AI models rank it, November 2026

Gane Index, November 2026 Edition. Named in 1 judge label across 1 category by 1 of 14 models. Page: https://www.gane.ai/index/hr/vendors/sofi

## Standing by category

| Category | Share | Rank | Negative rate | Labels |
|---|---|---|---|---|
| [Earned wage access](https://www.gane.ai/index/hr/rewards/earned-wage-access/index.md) | 0% | 33 | 0% | 1 |

## What the models said for it

- "Free digital banks (like Chime, SoFi, or Current) offer early direct deposit" (Gemini 3.5 Flash, Earned wage access)

## By model

| Model | First choice | Alternative | Mention | Warning | Labels |
|---|---|---|---|---|---|
| Claude Haiku 4.5 | 0 | 0 | 0 | 0 | 0 |
| GPT-5.4 mini | 0 | 0 | 0 | 0 | 0 |
| Gemini 3.5 Flash | 0 | 1 | 0 | 0 | 1 |
| Perplexity Sonar | 0 | 0 | 0 | 0 | 0 |
| Grok 4.20 | 0 | 0 | 0 | 0 | 0 |
| Mistral Small | 0 | 0 | 0 | 0 | 0 |
| DeepSeek V4 Flash | 0 | 0 | 0 | 0 | 0 |
| Llama 4 Maverick | 0 | 0 | 0 | 0 | 0 |
| Qwen 3.7 Flash | 0 | 0 | 0 | 0 | 0 |
| Kimi K2 | 0 | 0 | 0 | 0 | 0 |
| GLM 4.7 FlashX | 0 | 0 | 0 | 0 | 0 |
| MiniMax M2.5 | 0 | 0 | 0 | 0 | 0 |
| GPT-6 Luna | 0 | 0 | 0 | 0 | 0 |
| Muse Glimmer 30B | 0 | 0 | 0 | 0 | 0 |

## Sources returned with these answers

The sites and pages cited by the answers that named SoFi, from 2 of the 2 answers that named it (only the models that return a source list).

### Domains cited

- best-earned-wage-access-providers-usa.lovable.app: 1
- betterment.com: 1
- businessgrouphealth.org: 1
- consumerfinance.gov: 1
- consumerfinanceinsights.com: 1
- consumerfinancemonitor.com: 1
- current.com: 1
- ebri.org: 1
- enterprise.chime.com: 1
- files.consumerfinance.gov: 1

### Pages cited

- https://best-earned-wage-access-providers-usa.lovable.app/: 1
- https://betterment.com/hubfs/PDFs/b4b/reports/b4b-financial-wellness-whitepaper.pdf: 1
- https://businessgrouphealth.org/who-we-are/best-employers/health-and-well-being/Winners: 1
- https://consumerfinance.gov/archive/newsroom/cfpb-rescinds-special-regulatory-treatment-for-payactiv: 1
- https://consumerfinanceinsights.com/2026/01/15/cfpb-says-some-earned-wage-access-products-not-considered-credit: 1
- https://consumerfinancemonitor.com/2024/05/29/cfpb-alleges-dark-patterns-in-suit-against-fintech-peer-to-peer-lender: 1
- https://current.com/blog/best-paycheck-advance-apps-of-2026-get-your-pay-early: 1
- https://ebri.org/content/2024-ebri-financial-wellbeing-employer-survey--employers-see-financial-wellness-benefits-as-a-tool-to-improve-worker-satisfaction-and-productivity: 1

## Record

- Method: https://www.gane.ai/index/hr/methodology
- License: CC BY 4.0. Cite as Gane Index, November 2026 Edition, www.gane.ai/index/hr.