What is the difference between Coach and the older Relay feature?

By Nicholas Wong | Sep 17, 2026 | | Comments Off

The biggest difference is the new SoFi Coach℠ Chat experience. The features you already use, like credit score monitoring, budgeting, and debt summary, are still here. They’ve just evolved into the new Coach experience. Your Relay dashboard is now branded as Coach Insights. It’s the same place to track all your finances in one place—now with Coach Chat, so you can ask questions and get personalized financial guidance.

All your finances.
All in one app.

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ABOUT Nicholas Wong

Terms and Conditions Apply. SOFI RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS AND BENEFITS AT ANY TIME WITHOUT NOTICE. To qualify, a borrower must be a U.S. citizen or other eligible status and meet SoFi's underwriting requirements. Not all borrowers receive the lowest rate. Lowest rates reserved for the most creditworthy borrowers. If approved, your actual rate will be within the range of rates listed above and will depend on a variety of factors, including term of loan, evaluation of your creditworthiness, years of professional experience, income, and a variety of other factors. Rates and Terms are subject to change at anytime without notice and are subject to state restrictions. SoFi refinance loans are private loans and do not have the same repayment options that the federal loan program offers, or may become available, such as Income Based Repayment or Income Contingent Repayment or PAYE. Licensed by the Department of Financial Protection and Innovation under the California Financing Law License No. 6054612. Loans are originated by SoFi Bank, N.A. (Member FDIC) NMLS #696891 (www.nmlsconsumeraccess.org) Equal Housing Lender.

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✝︎ To check the rates and terms you qualify for, SoFi conducts a soft credit pull that will not affect your credit score. However, if you choose a product and continue your application, we will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit pull and may affect your credit.

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What is the difference between Coach and the older Relay feature?

All your finances. All in one app.

All your finances. All in one app.

App Store rating

All your finances.
All in one app.

All your finances.
All in one app.