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Auto Insurance

Compare car insurance quotes and you could save $1,007 a year on
average*

See quotes in a matter of minutes.


Get my quote

SoFi’s teamed up with Experian® to bring you multiple quotes to compare against your existing car insurance coverage.

We are now directing you to our partner, Experian®, to complete your application.


Get my quote


SoFi will not be your host while there and is not responsible for content provided by third-party sites, including Experian®. Please note that you are subject to the destination site’s Privacy Policy and Terms & Conditions.


*Results will vary and some may not see savings. Average savings of $1,007 per year
for customers who switched and saved with Experian from May 1, 2024 through April
30, 2025. Savings based on customers’ self-reported prior premium. Experian offers
insurance from a network of top-rated insurance companies through its licensed
subsidiary, Gabi Personal Insurance Agency, Inc.


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Experian

SoFi’s teamed up with Experian® to bring you a true comparison insurance shopping experience. Using the right mix of technology and human interaction, Experian® provides an apples to apples comparison against your existing policy to find you a great deal. Real rates, with no bait and switch.


Why Experian?

You’re likely overpaying for auto insurance, and shopping for it is a hassle. Experian® does all of the insurance shopping for you.



  • Compare

    Experian® is your personal insurance shopper. Experian® will do the heavy lifting and check prices for you from their network of insurance providers.



  • Save Time

    With Experian’s technology, within minutes pull new quotes to match your current coverage with little to no manual entry. No need to visit multiple websites.



  • Peace of Mind

    Rest easy knowing you’ve explored your options. Experian® will never share or sell your information, period.



  • Potential Savings

    Comparing multiple quotes can help you find a great rate and potentially save you money.


How it works:

  1. Match.

    Share your current policy details so Experian® can compare your coverage apples-to-apples.

  2. Pick.

    Experian® will show the rates and you pick the quote you want.

  3. Buy.

    Buy your new policy directly through Experian® – they will even help you cancel your old policy!


Get my quote

SoFi’s teamed up with Experian® to bring you multiple quotes to compare against your existing car insurance coverage.

We are now directing you to our partner, Experian®, to complete your application.


Get my quote


SoFi will not be your host while there and is not responsible for content provided by third-party sites, including Experian®. Please note that you are subject to the destination site’s Privacy Policy and Terms & Conditions.



Common Questions



How is Experian® different from other insurance companies?


Experian® is an online insurance broker and agent. Experian® doesn’t replace the insurance company, it just helps you shop. Experian®’s product is a free tool that helps you compare auto and home insurance rates across top providers and finds you the cheapest rate for your exact coverage.



How does Experian® work?


Experian® uses the account credentials to your current insurance account (or a PDF of your policy declarations page) to learn about your current coverage details, so you don’t have to input them manually. Experian® uses those details to get you apples-to-apples comparisons for the same coverage from other insurance providers to find a great rate. If you don’t want to use this feature, you can manually enter your information and select coverages to get a quote.



How does Experian® make money?


Just like all agents, Experian® is paid a commission by the insurance company. There is no upcharge to you, Experian’s tool
is free for you to use. These commissions are from the insurance companies’ marketing budgets given Experian®
brought them new customers, not from your premiums. Your rates are the rates provided and don’t change. Experian®
shows you quotes based on your savings. Experian® does not sell or share your data and doesn’t cold call or spam its
customers.


Ready to go?

Let Experian® start shopping for you now!


Get my quote


Fixed rates from 7.74% APR to 35.49% APR reflect the 0.25% autopay interest rate discount and a 0.25% direct deposit interest rate discount. SoFi rate ranges are current as of 2/8/26 and are subject to change without notice. The average of SoFi Personal Loans funded in 2022 was around $30K. Not all applicants qualify for the lowest rate. Lowest rates reserved for the most creditworthy borrowers. Your actual rate will be within the range of rates listed and will depend on the term you select, evaluation of your creditworthiness, income, and a variety of other factors.

Loan amounts range from $5,000– $100,000. The APR is the cost of credit as a yearly rate and reflects both your interest rate and an origination fee of 0%-6%, which will be deducted from any loan proceeds you receive.

PERSONAL LOAN INTEREST RATES AND FEES | ELIGIBILITY AND IMPORTANT DETAILS. Annual percentage rates (APRs) shown include the 0.25% autopay discount. If approved for a loan, the rates and terms offered will depend on things like creditworthiness, the length of the loan, and other factors, and will fall within the range of rates available by applicable loan term; check out our full APR examples and terms. Remember, not all applicants will qualify for the lowest rate. Want to learn more? See our eligibility criteria at SoFi.com/eligibility-criteria. SoFi reserves the right to change interest rates at any time without notice, changes would only apply to applications begun after the effective date of the change. Fixed Rates: Fixed rates range from 7.74% APR to 35.49% APR (with autopay). The SoFi 0.25% autopay interest rate reduction requires you to agree to make your scheduled monthly payments by an automatic monthly deduction (ACH) from a savings or checking account. Enrolling in autopay is not required to receive a loan from SoFi. Loan Terms: SoFi Personal Loans offer loans with a period of repayment between 2 and 7-year terms. Loan Fees: SoFi personal loans have no fees required; specifically, no origination fees required, no late fees, no prepayment penalties.

PERSONAL LOAN | REPAYMENT EXAMPLE. The following example depicts the APR, monthly payment and total payments during the life of a $30,000 personal loan with a 2-year repayment term, a 0.25% autopay discount, and a fixed rate between 7.74% APR to 35.49% APR. It works out to 24 monthly payments ranging from $1,356.68–$1,529.07 for a total amount of payments ranging from $32,560.37–$36,697.76. This repayment example assumes that the borrower is signed up for autopay and that all payments are made on time, with no pre-payments. Actual rates may vary based on repayment term, loan amount, creditworthiness, and other terms and conditions. SoFi does not offer variable rate personal loans. State restrictions may apply.


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Learn All About Florida Small Business Loans

Florida has become an economic magnet, with more than 3 million small businesses calling the Sunshine State home. There’s no personal income tax in Florida, and the state’s economy is the fourteenth largest in the world, both of which contribute to its reputation as a business-friendly location.

Whether you’re starting a business or expanding one, finding small business loans in Florida can help you thrive. Here’s what you need to know about getting financing for your company.

Key Points

  • The primary small business loans in Florida include term loans, business lines of credit, equipment financing, and SBA loans.
  • Application process involves defining loan purpose, checking credit scores, and gathering financial documents.
  • Tips for loan approval: improve credit scores, request strategic funding, and create a detailed business plan.
  • Additional funding options: state programs, credit unions, and SBA loans for diverse business needs.
  • State-specific programs support rural, minority, and Hispanic-owned businesses with various loan funds.

Popular Types of Small Business Loans in Florida

Discover business loans in Florida and those that are available regardless of location.

Florida Small Business Loan Programs

The Florida Department of Commerce operates a Small Business Innovation program that includes a number of loans for both new and established businesses. Available loans include:

•   Rebuild Florida Business Loan Fund

•   Florida Small Business Emergency Bridge Loan

•   Rural Community Development Revolving Loan Program

•   State Small Business Credit Initiative

•   Microfinance Guarantee Program

•   Black Business Loan Program

•   Prospera (for Hispanic-owned businesses and entrepreneurs)

•   Urban League of Broward County

Term Loans

In addition to state financing opportunities, Florida business owners can also explore term loans from banks, credit unions, and online loan marketplaces.

A term loan is structured like a personal loan. The business receives a lump sum and the principal plus interest is repaid to the lender as a fixed payment. A business loan calculator can help you estimate monthly payments based on loan amount, interest rate, and term.

Some lenders require that eligible businesses have a minimum time in business, while others offer startup business loans.

Business Lines of Credit

An alternative to a Florida small business loan is a business line of credit. Instead of receiving one infusion of cash, your business can continually draw on a line of credit to borrow funds as needed. It’s similar to having a business credit card, but you can write checks and deposit cash directly into your business account.

Having access to a line of credit can help smooth out cash flow issues or cover financial emergencies. Depending on your lender, you may have to secure your line of credit with assets like real estate, cash, equipment, or inventory.

Equipment Financing

If you need cash specifically to purchase equipment for your business, consider equipment financing. The loan is secured by the asset you purchase, which can make your payments more affordable. Plus, you could qualify to finance up to 100% of the purchase price in order to preserve your business’s cash.

Another advantage of equipment financing is that your Florida business doesn’t need to use heavy machinery in order to qualify. Other eligible purchases include office furniture, vehicles, and computers.

SBA Loans

Small Business Administration loans are guaranteed by the federal government but executed by private lenders. There are three primary types of SBA loans:

  • •  7(a) loans: Florida business owners can use this type of financing to pay for real estate, working capital, debt refinancing, machinery and equipment, furniture, ownership changes, and more. An SBA loan calculator gives you a sense of total costs and monthly payments.

  • •  504 loans: 504 loans finance projects that foster business growth and job creation. The funds can be used for major fixed assets.

  • •  Microloans: An SBA microloan provides up to $50,000 in funding for small businesses.

How to Apply for a Small Business Loan in Florida

Learning how to apply for a small business loan in Florida could improve your approval odds.

Define Your Loan Purpose and Amount

It’s helpful to know how you’re going to use the funds so you can estimate your ideal loan amount. Many business owners apply for financing to be used towards upfront costs, expansion, cash flow, or large purchases like property, equipment, and inventory.

Recommended: Small Business Financing Guide

Know Your Credit Score

Lenders typically look at your personal credit score for your business loan application, as well as your business credit score. Banks usually require a minimum personal score of 680 or above, while online lenders may have more flexible requirements.

Business credit scores range from 1 to 100, with 70 considered the threshold for a “good” score. Having a below-average score doesn’t necessarily mean you can’t get approved for a Florida business loan, but you may have to pay a higher interest rate and secure the loan with collateral.

Gather Your Key Documents

In addition to filling out the lender’s application, you’ll also need to submit supporting documentation. Here are common documents that may be requested when you apply for any type of business loan:

•   Credit report

•   Income statement

•   Bank statements

•   Budget

•   Income tax returns (both business and personal)

•   Business plan

•   Collateral valuation and supporting documents (such as titles, deeds, or invoices)

Compare Lenders and Loan Offers

Lenders evaluate business loan applications differently, so it’s worth checking with a few different options to compare your offers. You might qualify for different financing structures and even different loan terms (including interest rates) with various lenders.

Submit Your Application and Await Approval

Once your application is complete and you’ve gathered the required documentation, you’re ready to submit your package to the lender. From there, you’ll need to wait to find out whether you’ve been approved. Online lenders tend to offer quick decisions, while banks and other SBA lenders have a longer wait time.

Grow Your Business the Right Way.
Explore small business funding options in one place with no impact to your credit score.*

Grow Your Business the Right Way.
Explore small business funding options in one place with no impact to your credit score.*

Grow Your Business the Right Way.
Explore small business funding options in one place with no impact to your credit score.*

Tips for Improving Your Loan Approval Chances

Maximize your approval odds for a small business loan in Florida with the following best practices:

•   Improve your business and personal credit scores

•   Request a strategic amount of funding, not more than you need

•   Create an in-depth business plan

Other Funding Options for Florida Small Business

FloridaCommerce recommends a number of additional resources for Florida small business owners, including:

•   Miami Bayside Foundation’s loan programs

•   Florida A&M University Federal Credit Union

•   Florida First Capital Finance Corporate

•   Minority Business Development Agency (U.S. Department of Commerce)

•   The National Minority Supplier Development Center

Explore these organizations for additional Florida business loans and help in growing your company.

Additional Business Resources in Florida

Florida’s Small Business Development Center network helps businesses at all stages. Search to find one of nine regional offices closest to you. All locations offer three core service areas:

    •   Training: Access hundreds of live trainings each year, covering topics from business basics to management skills.

    •   Consulting: You can work with a no-cost business consultant to help you grow your business in areas like strategic planning, financial analysis, marketing, capital access, government contracting, and more.

    •   Research: Get research your business may not otherwise be able to afford. Then you can make better informed decisions with customized reports related to your industry and geography.

    Recommended: Small Business Grants: Where to Find Funding

    The Takeaway

    Fueling your company with a Florida business loan can help you launch and expand more quickly than simply bootstrapping each step of the way. Explore SoFi’s small business loans to compare loan offers from multiple lenders.

    If you’re seeking financing for your business, SoFi is here to support you. On SoFi’s marketplace, you can shop and compare financing options for your business in minutes.


    With one simple search, see if you qualify and explore quotes for your business.


    Search for financing

    (without impacting your credit score)

    FAQ

    How do I get a small business loan in Florida?

    You can get a small business loan in Florida by applying with local financial institutions and online lenders, or by searching opportunities from the Florida Department of Commerce’s Small Business Innovation program.

    Can I get a startup business loan in Florida with no money?

    Getting a startup business loan can be tricky because many lenders like to see a minimum time in business and revenue. Applying through a small business loan marketplace can save you time by narrowing down lenders that are comfortable working with startups.

    How hard is it to get a small business loan in Florida?

    Florida has a business-friendly environment, but just as in any other state, you’ll need to submit a strong business loan application to get approved. Expect to have lenders evaluate your credit scores and financial documentation for both your personal and business backgrounds.

    What is the easiest type of business loan to get approved for?

    It’s usually easier to get approved with secured business financing than unsecured. That’s because the lender can repossess the collateral if the loan goes into default.

    What credit score do I need for a small business loan?

    The typical minimum for a small business loan is a 680 for personal credit and a 70 for business credit.

    What can I use a small business loan for?

    Small business loans can be used for working capital, debt consolidation, inventory purchases, real estate, equipment, and more.

    Are there any small business grants available in Florida?

    Yes, you can research several online grant aggregators to search for online small business grants by locations, including those available in Florida.


    SoFi's marketplace is owned and operated by SoFi Lending Corp.


    Advertising Disclosures: The preliminary options presented on this site are from lenders and providers that pay SoFi compensation for marketing their products and services. This affects whether a product or service is presented on this site. SoFi does not include all products and services in the market. All rates, terms, and conditions vary by provider. See SoFi Lending Corp. licensing information below.



    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.



    SOSMB-Q425-004


    More Small Business Financing Resources

    Business loans don’t have to be complicated. Get clear answers on applications, learn what providers really look for, and understand popular loan options.

    Search for small business funding in minutes.

    Your time matters. So we’re making business loans as easy as possible by helping you find small business funding fast.


    Search for financing

    (without impacting your credit score)

    Read more

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SoFi Checking and Savings

Bank better with up to 4.30% APY2
and no account fees1.

For a limited time, boost your APY to 4.30% for six months. Plus, you could get a welcome bonus of up to $300.3


Open an account

2Earn up to 4.30% Annual Percentage Yield (APY) on SoFi Savings with a 0.70% APY Boost (added to the 3.30% APY as of 11/12/25) for up to 6 months. Open a new SoFi Checking & Savings account and enroll in SoFi Plus by 1/31/26. Rates variable, subject to change. Terms apply here. SoFi Bank, N.A. Member FDIC.


  • Pay no account fees1


    No account, overdraft, or monthly fees—just great banking.

  • Earn $50 or $300 with eligible4 direct deposit3

    Just open your account and set up eligible direct deposit of $1,000 or more. Terms apply

  • Earn up to 4.30% APY2 with eligible4 direct deposit

    Limited-time only: Get a 0.70% boost on our highest savings APY of 3.30%4 when you set up a new account with eligible direct deposit. Terms apply

  • Up to $3M additional FDIC insurance through a network of participating banks5

    Learn more and opt in here.

SoFi Bank 2024 accolades
SoFi Bank 2024 accolades

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{/* Fuel your savings with a 0.70% APY boost */}

Fuel your savings with a 0.70% APY boost.2 Here are the necessary steps.

  • Open a new SoFi Checking and Savings account by 1/31/26.

  • Become a SoFi Plus member within 60 days by setting up an eligible direct deposit or enrolling in a $10/month (every 30 days) subscription.6

  • Enjoy a 0.70% APY boost on savings for six months as long as you maintain your SoFi Plus membership. Heads up: you’ll still get our 0.70% bump on top of the standard savings rate, even if our variable APY changes.


Open an account

2Earn up to 4.30% Annual Percentage Yield (APY) on SoFi Savings with a 0.70% APY Boost (added to the 3.30% APY as of 11/12/25) for up to 6 months. Open a new SoFi Checking & Savings account and enroll in SoFi Plus by 1/31/26. Rates variable, subject to change. Terms apply here. SoFi Bank, N.A. Member FDIC.

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{/* WHAT DOES BETTER BANKING LOOK LIKE? UPDATED 11Feb25*/}

This is what better banking looks like.


Open an account

No account fees1

No overdraft fees. No minimum balance fees. No monthly fees. Plus, 55,000+ fee-free ATMs within the Allpoint® Network.7

Earn up to 4.30%2
with SoFi Plus

Limited-time only: Get a 0.70% boost on our highest savings APY of 3.30% 4 when you set up a new account with eligible direct deposit. Terms apply.

Up to 2-day-early-paycheck8

Feel the magic of payday up to two days earlier—automatically—when you set up direct deposit.

No-fee Overdraft Coverage

Overspent by accident? No problem. You’ll be covered up to $50 with no fees with eligible direct deposit of at least $1,000.9

Do it all in one app.

Pay bills, deposit checks, send money, manage your digital wallet, and get live customer support 7 days a week, all in the SoFi app.

Additional FDIC Insurance

Access additional insurance up to $3M on deposits through a seamless network of participating banks. Learn more and opt in here.5


Sign up




{/* Horizon */}

{/*Get award winning banking NEW 2025 Assets Updates*/}

Get award-winning banking.

See for yourself why SoFi won 10 banking awards from 9 industry publications last year.


Open an account

Awards or rankings are not indicative of future success or results. Neither SoFi Bank, N.A. nor its employees paid a fee in exchange for ratings. Awards and ratings are independently determined and awarded by their respective publications.


{/* Savings rates above the national average */}

Savings rates that are way above the national average.10

Get ready to earn 3.30% APY 4 with eligible direct deposit—that’s 9x the national average savings rate 10—on your savings and Vault balances. Plus now through 1/31/26 new members can get a 6-month 0.70% boost on our highest savings APY of 3.30% with eligible direct deposit. Terms apply.


Open an account

2Earn up to 4.30% Annual Percentage Yield (APY) on SoFi Savings with a 0.70% APY Boost (added to the 3.30% APY as of 11/12/25) for up to 6 months. Open a new SoFi Checking & Savings account and enroll in SoFi Plus by 1/31/26. Rates variable, subject to change. Terms apply here. SoFi Bank, N.A. Member FDIC.


{/* Mobile banking made easy */}


Mobile banking made easy.

Securely log in to our easy-to-use app and access popular online banking features: pay bills, find ATMs, send money, make a mobile deposit, and more. And rest easy with no minimum balance, and no monthly maintenance fee1.


Open an account


Open an account

Mobile banking made easy.

Securely log in to our easy-to-use app and access popular online banking features: pay bills, find ATMs, send money, make a mobile deposit, and more. And rest easy with no minimum balance, and no monthly maintenance fee1.


Open an account


Open an account


{/*FAQs*/}

FAQs


What is an online bank account?

An online bank account conveniently allows you to manage your accounts from your computer or mobile device. This includes sending money, depositing checks, paying bills, and everything you’d normally do at a physical branch. Because SoFi does not have any physical branches, we’re able to pass those savings to our members!


How easy is it to open a bank account online?

Opening an account is quick and easy. All we need are a few pieces of information such as name, home address, and Social Security number. In some cases, we may need additional documentation like a copy of your driver’s license, and/or a current photo ID to verify your identity.


Can a student open an account?

Of course. Anyone over 18 can open an individual or joint online bank account. In fact, we have some special offers for students (must have an .edu email address to qualify).

Learn more about our Student Checking and Savings Offer.


How do I set up direct deposit?

Simply download this

Learn more: How to Set Up Direct Deposit


What will my APY be?

As long as you direct deposit your pay or add $5,000 every 30 days, you’ll earn 3.30% APY on your savings & Vaults balances and 0.50% APY on your checking balances.* If you do not have a direct deposit or $5,000 in deposits every 30 days, you’ll earn 1.00% APY on savings & Vaults balances and 0.50% APY on checking balances. 3

Interest rates are variable and subject to change at any time. Additional information can be found at sofi.com/legal/banking-rate-sheet.



Why do I need to sign up for direct deposit?

When you set up direct deposit into your account, you are trusting your paycheck with us. We want to repay that trust by making sure that we give you the best of what SoFi has to offer, including up to 3.30% APY (annual percentage yield)3, plus features like No-Fee Overdraft Coverage7 and up to 2-Day Early Paycheck.6


Are online bank accounts safe?

All SoFi Checking and Savings accounts receive industry-standard FDIC insurance of up to $250,000 per member (joint accounts are insured up to $500,000). SoFi Checking and Savings members can earn up to $3M of FDIC insurance by enrolling in the SoFi Insured Deposit Program 4. For more information on FDIC insurance coverage, please visit www.FDIC.gov.


How do I withdraw and deposit cash?

SoFi makes it easy to both withdraw and deposit money. To withdraw, simply visit any of the 55,000 Allpoint ATMs (more locations than Chase, Wells Fargo, and Bank of America combined!). You won’t pay any fee as long as you visit one of these ATMs. In order to deposit money, simply visit a retail location that offers GreenDot services.5


Do I need a minimum balance to open an account or get the highest interest rate?

There is no minimum balance required to open a SoFi Checking & Savings account. Members can unlock 3.30% APY savings balances with either direct deposit (no minimum required) or by depositing at least $5,000 every 30 days.4 For more information, please visit sofi.com/banking/#4/.

Learn more: How Much Money Is Needed to Start a Bank Account?


Is there a minimum age?

You must be 18 years or older to open an individual or joint bank account.

Learn more: How Old Do You Have to Be to Open a Bank Account?


Can I sign up for an individual checking or savings account?

When you sign up for a SoFi online bank account, you will receive both a checking account and a savings account. We do not currently offer standalone checking or savings accounts.


If I keep my entire balance in savings, will funds automatically move to checking as needed to pay bills?


Yes. As long as you have Overdraft Protection enabled, we’ll automatically pull from your available savings balances in the event that your checking balance is insufficient. Overdraft protection covers ACH withdrawals (bill pay, loans, P2P), checks and debit card transactions. Note that overdraft protection will not pull from your Vaults. To turn on Overdraft Protection, open the SoFi app, tap More > Overdraft and toggle the feature on.


Any limits on savings account withdrawals per month or transfers between accounts?


No, there are no current limits on saving withdrawals or transfers between checking, savings and Vaults.


To unlock the highest APY, does it matter where I direct deposit my funds
(checking vs savings?)


Nope, it doesn’t matter. To unlock the highest the highest APY, you may either:

-Get paid via direct deposit (into either your checking or savings). Eligible direct deposits are the electronic deposits of your paycheck, pension or government payments (e.g., Social Security) from your employer, benefits provider, or the government.

-Add $5,000 or more to your checking or savings account every 30 days.


Is there a maximum or ‘cap’ on the 3.30% APY?


There is not currently a maximum on the 3.30% APY for savings or Vaults.


What about fees?

We’re proud to say that banking with SoFi has no account fees and no service charges—and we’re working hard to keep it that way.1 There are no fees on overdraft, account open, minimum balance, dormant account or regular maintenance. We also offer no ATM fees at 55,000+ Allpoint ATMs worldwide.5 Check out a full list of fees and service charges: No Fees.


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More banking tips and resources
just clicks away.








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Earn up to 4.30% APY2
with eligible direct deposit.

Limited-time only. Terms apply.


Open an account


SoFi > Banking

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Only 40% of Jobs Pass This New Test

This article appeared in SoFi's On the Money newsletter. Not getting it? Sign up here.

Most of us know why we don’t like a job.

But how would you define a quality job? The size of the paycheck is no doubt a big part of it, but how else do you measure how good it is?

It’s a worthwhile question. If pay is only one piece, how much weight should you give things like career mobility, workplace culture, or workload?

A new Gallup study found that only 40% of Americans have what it defines as “quality” jobs. The study surveyed over 18,000 U.S. workers, scoring their jobs based on established minimum thresholds for not just fair pay and benefits, but also opportunities for advancement, sustainable schedules, and a voice in decisions.

“Quality jobs are still the exception in the U.S. workforce,” the researchers wrote when they released the findings last month. “Our experiences on the job shape the decisions we make, the companies we trust and how we show up each day — at work and at home. And yet, too often, conversations about the economy focus on job quantity, not quality.”

Roughly half of workers in professional services, finance, and wholesale met Gallup’s quality standard compared with less than 30% in leisure and hospitality, retail, and warehousing.

So what?

At the end of the day, you want a job that helps you thrive. But many employers still fall short in providing livable wages, opportunities for advancement, and a healthy work-life balance.

When the economy is unpredictable, many people understandably hold on to unsatisfying jobs. But that shouldn’t stop you from identifying what you want from your job — and strategizing how to make it happen, whether it’s now or in the future.

Here are some highlights from the study to help you assess:

Gallup, in partnership with the W.E. Upjohn Institute for Employment Research and other researchers, defines a quality job first and foremost by fair pay. For full-timers, that means earnings of at least three times the federal poverty level for a two-person family, currently $5,287 per month. (Though the researchers acknowledged that this isn’t always enough, depending on someone’s location or other circumstances.) Yet half of respondents fell short.

To qualify, a job also had to score well in at least two of four quality-of-life areas: a healthy working environment, providing opportunities for advancement, getting a say in workplace decisions, and having a sustainable schedule. Gallup found that:

•  62% lacked a predictable schedule they could control.

•  54% worked extra or unplanned hours sometimes or often.

•  25% reported no opportunities for promotion or advancement.

•  24% experienced discrimination or unfair treatment at work.

•  69% said they/their co-workers didn’t have enough influence over pay and benefits.

•  55% said they/their co-workers didn’t have enough say over the use of new technology like AI.

Taken together, the findings show that job satisfaction involves more than just a paycheck — and that, for most Americans, stability and autonomy at work remain out of reach.

Related Readings

5 Things to Do To Feel Less Stuck at Your Job (SoFi)

Nearly Half of Workers Are “Job Hugging” as Comfort and Security Take Priority (Monster)

Job Seekers Stare Down a Gloomy Holiday Hiring Season (The Wall Street Journal)


Please understand that this information provided is general in nature and shouldn’t be construed as a recommendation or solicitation of any products offered by SoFi’s affiliates and subsidiaries. In addition, this information is by no means meant to provide investment or financial advice, nor is it intended to serve as the basis for any investment decision or recommendation to buy or sell any asset. Keep in mind that investing involves risk, and past performance of an asset never guarantees future results or returns. It’s important for investors to consider their specific financial needs, goals, and risk profile before making an investment decision.

The information and analysis provided through hyperlinks to third party websites, while believed to be accurate, cannot be guaranteed by SoFi. These links are provided for informational purposes and should not be viewed as an endorsement. No brands or products mentioned are affiliated with SoFi, nor do they endorse or sponsor this content.

SoFi isn't recommending and is not affiliated with the brands or companies displayed. Brands displayed neither endorse or sponsor this article. Third party trademarks and service marks referenced are property of their respective owners.

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Week Ahead on Wall Street: From Shutdown to AI Takedown

With the long government shutdown behind us, the market can finally get its bearings. But the fog hasn’t fully lifted. As we head into the week, the major questions for investors have shifted from “When will this end?” to “What’s the damage, and what do we do now?”

Getting the economic reports that were delayed, especially some of the monthly jobs and inflation data, will finally give investors a real read on the economy’s health. That said, we may never learn everything: While the data for September will eventually be released, the shutdown disrupted some of the October data collection.

Meanwhile, this week we’ll pivot to what has been one of the most important earnings reports for several years now: results from Nvidia (NVDA). The company is at the center of the artificial intelligence revolution, making its results and guidance a powerful harbinger of what’s next for the market.

Economic and Earnings Calendar

Note: This list includes all regularly scheduled reports, but most that involve government data may be delayed as the government reopens after the longest shutdown in history.

Monday

•   November Empire State Manufacturing Activity: The New York Fed’s survey of manufacturing executives in the region on business conditions and their outlook.

•   Fedspeak: New York Fed President John WIlliams will deliver welcoming remarks at the regional Fed’s 2025 Governance and Culture Reform Conference. Minneapolis Fed President Neel Kashkari will moderate a fireside chat with the CEO of Ecolab.

•   Earnings: Interpublic Group of Companies (IPG), Occidental Petroleum (OXY), Paramount Skydance (PSKY), Tyson Foods (TSN)

Tuesday

•   October Import/Export Price Indexes: These indexes track the changes in the prices of nonmilitary goods and services traded between the U.S. and the rest of the world.

•   November New York Services Activity: The New York Fed’s survey of manufacturing executives in the region on business conditions and their outlook.

•   October Industrial Production and Capacity Utilization: The industrial sector accounts for much of the cyclical swings in economic activity.

•   November NAHB Housing Market Index: This index tracks how homebuilders feel about the current and future state of the single-family housing market.

•   Earnings: Home Depot (HD), Medtronic (MDT)

Wednesday

•   October Building Permits and Housing Starts: Construction data is a leading indicator of economic activity.

•   FOMC Meeting Minutes: The Federal Reserve releases detailed notes of every FOMC meeting three weeks after their conclusion. Investors often look for more information on Fed officials’ views for hints on the outlook for interest rates and the economy.

•   Weekly Mortgage Applications: Mortgage activity gives insight on demand conditions in the housing market.

•   Fedspeak: New York Fed President John Williams will deliver welcoming remarks for the regional Fed event Making Missing Markets: Connecting Communities and Capital.

•   Earnings: Lowe’s Companies (LOW), NVIDIA (NVDA), Palo Alto Networks (PANW), Target (TGT), TJX Companies (TJX), Williams-Sonoma (WSM)

Thursday

•   November Philadelphia Fed Manufacturing Activity: The Philadelphia Fed’s survey of manufacturing executives in the region on business conditions and their outlook.

•   October Leading Economic Index: This is an index composed of various economic indicators that have historically led changes in the broader economy.

•   October Existing Home Sales: Most home transactions in any given month tend to come from the existing market, and as a result set the tone for the broader housing market.

•   November Kansas City Fed Manufacturing Activity: The Kansas City Fed’s survey of manufacturing executives in the region on business conditions and their outlook.

•   Weekly Jobless Claims: This high frequency labor market data gives insight into filings for unemployment benefits.

•   Fedspeak: Cleveland Fed President Beth Hammack will give opening remarks at the regional Fed’s 2025 Financial Stability Conference. Chicago Fed President Austan Goolsbee will participate in a moderated discussion at the CFA Society of Indianapolis’ annual luncheon. Philadelphia Fed President Anna Paulson will discuss the economic outlook at the regional Fed’s 80th Annual Field Meeting Capstone.

•   Earnings: Copart (CPRT), Intuit (INTU), Jacobs Engineering Group (J), Ross Stores (ROST), Walmart (WMT)

Friday

•   November S&P Global US PMIs: These indexes track how purchasing managers across different industries feel about the business environment.

•   November University of Michigan Consumer Sentiment: How consumers feel about economic conditions affect their spending habits. This survey places a particular focus on inflation and its trajectory.

•   November Kansas City Fed Non-Manufacturing Activity: The Kansas City Fed’s survey of services executives in the region on business conditions and their outlook.

•   Fedspeak: Williams will deliver a keynote speech at the Central Bank of Chile’s annual conference. Dallas Fed President will participate in a panel discussion on economic uncertainty and the design and conduct of monetary policy.

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