SoFi ( SOFI +0.28% ) and Affirm ( AFRM 2.48% ) are both high-growth fintech companies . SoFi, which initially provided student loans, now offers mortgages, auto loans, personal loans, credit cards, insurance policies, estate planning services, stock trading tools, and banking services across its digitally native platform. Affirm provides "buy now, pay later" services, which enable consumers to split their purchases into smaller installment plans without a credit card.

Both of these companies aim to disrupt traditional financial institutions, but which one is a better buy right now? Let's compare their growth rates, valuations, and long-term catalysts to make an informed decision.

SoFi still has plenty of room to grow

SoFi targets younger, digitally native users who pref

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