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Earnest Review

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Reviews 3,836

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BestMoney Staff
Bestmoney Staff
Jan. 31, 20214 min read

Earnest summary

Earnest Earnest Visit Earnest

Overview

Earnest was established in order to use advanced data analysis to make the loan approval process faster and better. Earnest aims to provide high-quality service, fast funding, and low rates to financially responsible borrowers with good credit scores who want better loan terms.

  • No origination, prepayment, early payment, or extra payment fees
  • Low interest rates
  • Loans can be used for any purpose except for business, real estate purchase, or college tuition
  • Borrow up to $50,000
  • Fast loan approval times

Best for ?

Earnest is expressly set up to provide better rates for financially responsible borrowers. Earnest uses advanced data evaluation to look at a borrower’s overall financial profile, so someone with a very short credit history but good financial prospects can get a loan on better terms than with some other lenders. It’s also ideal for anyone with a credit score of 660 or over and a good financial history. Because Earnest has very few restrictions on loan purpose and short loan repayment terms, its loans are best for anyone wanting to consolidate credit card debt, pay for home improvements, or cover an emergency.

Loan Features

Earnest personal loans come without any hidden fees or strings attached. You won’t be charged any origination, prepayment, early, or extra payment fees and application costs are kept low through the online application system.

Earnest leaves the loan purpose wide open, permitting you to use it for anything, from a vacation to an emergency, and from fees for unaccredited tuition programs to home improvements. The only things you can’t spend your Earnest loan on are college fees, real estate purchases, and business capital.

Flexible repayments are built into the Earnest model. You can choose between monthly or bi-weekly payments and request to extend your payment date by up to 7 days if you know you’re going to have trouble making the next payment. Earnest also permits borrowers to increase regular payments or make an extra payment without any charge. You can make payments via autopay, credit card, or through the website or app. Earnest provides forbearance terms to help out borrowers who lose their job and are having trouble making monthly payments as a result.

Earnest offers low APRs that begin at 5.25%. Terms are 1, 2, or 3 years so that you can pay off the loan quickly, but you can always pay off your loan early without any extra charge if you’re able to do so.

  • No origination, prepayment, extra payment, or early payment fees
  • Flexible repayment terms
  • Very few restrictions on loan purpose
  • Low APR rates
  • Terms of 1, 2, or 3 years

Pros and Cons

ProsCons
Low rates for borrowers with short credit historyNeed to connect all financial accounts
Considers your overall financial profileOnly for borrowers with good credit
Flexible repaymentsCustomer phone support limited to working hours
No fees

The Application Process

Earnest’s application process is entirely online and is somewhat different to that of other lenders. In order to get a full picture of your financial position, Earnest requires applicants to connect their financial accounts for read-only access so that it can check up on your financial history. You’ll also be asked about the purpose of the loan so that Earnest has some context for your application. In a rather unusual step, Earnest also asks about your educational and employment history as well as your current income, requesting you connect your LinkedIn profile, too. It says that this is in order to better assess your career trajectory and earning potential for paying off your loan.

Once you’ve completed the short online application and connected your accounts, you’ll be asked to provide personal information, share a copy of a government-issued photo ID, and your social security number for identification purposes. Earnest’s advanced algorithm works fast to evaluate your application and give you an answer within 5-10 business days. Once you’ve closed on the loan, you’ll get the funding through just one or two days after signing.

How Much Can You Borrow?

Earnest lends amounts ranging from $2,000 to $50,000. To be eligible for a loan from Earnest, you need:

  • To be a US citizen or permanent resident, or hold an eligible visa
  • To be over 18 years old
  • A credit score of at least 660
  • To live in an eligible state (any state apart from Alabama, Delaware, Kentucky, Nevada, or Rhode Island)
  • A loan purpose that is not college tuition, a real estate purchase, or business capital

Earnest adds that it helps you to get approval if you also:

  • Have a history of making payments on time
  • Have enough savings for at least 2 months of regular expenses
  • Don’t have large personal debt
  • Are not frequently charged for late payments, overdraft, or insufficient funds
  • Spend less than you earn

Repayment Terms

Earnest offers its unsecured loans for terms of 1, 2, or 3 years. You can choose the length of your term when you apply for a loan. Earnest also lets borrowers choose between fixed and variable rates and to change from one to the other after six months of making payments on time.

Earnest only provides specific APRs in a personalized quote after you’ve completed the online application, but rates begin at 5.25% APR.

How Safe is It?

Earnest is committed to protecting user’s information. All of your information is encrypted and securely stored in an off-site secure server. Your login details aren’t accessible to any Earnest employees and all personal and financial data that’s requested to process a loan is handled and stored by a trusted third party. Earnest also promises never to sell your data.

Help & Support

Earnest has an extensive and comprehensive FAQ section that does a good job of covering most things you’d need to know. For existing borrowers, Earnest provides a ‘Client Happiness Team’ that is accessible through phone, email, or chat to work with you if you need to make any changes to your payments or renegotiate your loan.

Earnest’s customer support team is available through phone or email during regular business hours only, Pacific time.

Summary

Earnest is a great choice for borrowers with good credit scores or a positive financial situation but short credit history. Its advanced algorithm enables Earnest to offer lower rates and fast loan processing times. The zero fees, flexible payment options, and willingness to work with you if you lose your job or suffer a sudden drop in income are all further good reasons to go with Earnest.

Physical Address

303 2nd Street

San Francisco, CA

94107

Earnest Earnest Visit Earnest

BestMoney Staff
Written byBestmoney Staff

Our editorial staff consists of writers who are knowledgeable about financial services. We specialize in simplifying the process of choosing the right provider for your needs.

Earnest
ExcellentReviews 3,836

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Trustpilot reviews

See what some costumers are saying about Earnest
Earnest
ExcellentReviews 3,836
on
Excellent
85%
Great
9%
Average
2%
Poor
1%
Bad
3%
  • author
    Jessica Shaheen
    18 hours ago
    So easy and quick

    So easy and quick. No fooling around. I would recommend them to everyone looking to refinance.

    ...

  • author
    Jarred C
    19 hours ago
    The entire process was incredibly easy…

    The entire process was incredibly easy and extremely. Thank you.

    ...

  • author
    ANDREW VILLEGAS
    19 hours ago
    What a simple easy process

    What a simple easy process. Other companies required so much more proof just to approve a loan like Elfi. Best rate I’ve ever been given and now I’m paying this off 5 years quicker!

    ...

  • author
    TMcCarthy
    2 days ago
    Refinanced my private student loans

    Refinanced my private student loans and found The application process with Earnest to be a seamless and quick process. I have local credit union checking and savings accounts and was concerned there would be a delay and that I would have to submit additional proof of the funds in those accounts since automatic linking during the application process wasn’t possible, but i shouldn’t have worried - it wasn’t an issue. Also the actual rates and terms were exactly what they had predicted on the soft credit pull, as opposed to the other two student loan refinance/lenders I applied with. Best interest rates, too. I’m happy that earnest will be my servicer.

    ...

  • author
    Michelle G
    2 days ago
    Earnest makes refinancing student loan…

    Earnest makes refinancing student loan so easy. No fees and a slide rule to play around with to find your best monthly bill while saving money on interest! Highly recommend

    ...

  • author
    Amir Hamza
    2 days ago
    Easy

    Easy, simple process. Much better than the other lending companies

    ...

  • author
    Vrajesh Jhaveri
    2 days ago
    Great very competitive rate

    Great very competitive rate. The application process is straight forward and uploading of documents is easy. However, the status of the loan once terms are accepted needs more work on the website. The site continued to say we are in the process of setting up your loan (normally within 3 business days), but in my case it took 5 days which left me wondering what is happening.

    ...

  • author
    Emily Morgan
    2 days ago
    I would recommend Earnest to anyone

    I would recommend Earnest to anyone. I love you guys. Thank you for making my life easier.

    ...

  • author
    Alexander Patseliev
    2 days ago
    Simple and fast

    Simple and fast with a fantastic rate! Thank you for making this process painless!!!

    ...

  • author
    Geoff
    2 days ago
    I’ve refinanced my large student loans…

    I’ve refinanced my large student loans with them 3 times always an easy process

    ...

  • author
    P Botts
    2 days ago
    Very easy process for approval.

    Very easy process for approval.

    ...

  • author
    Magdalene Momot
    2 days ago
    Quick and painless

    Quick and painless! There were zero hops to jump through! Would recommend to anyone needing to refinance student loans

    ...

  • author
    Nicole Jensen
    3 days ago
    A real pleasure!

    Earnest was a breeze to work with, quick to approve my loan and excellent at communicating with me throughout the process. Their website is well-designed and the entire process was efficient. I’ve refinanced my loan three times in the past and this was by far the best experience I’ve had.

    ...

  • author
    Stephanie
    3 days ago
    I love Earnest!!!

    Very quick and easy to set up my loan consolidation and great offers!

    ...

  • author
    Martin
    3 days ago
    Very nice to talk to and answered all…

    Very nice to talk to and answered all my questions.

    ...

  • author
    K Peters
    3 days ago
    Earnest has been a great partner over…

    Earnest has been a great partner over the last few years in refinancing and consolidating my student debt which I’ve now done several times, allowing me to pay it off more quickly and cheaply than my original providers. Their online tools are intuitive and helpful. Customer service are actual people, and they follow up to make sure any questions or issues raised are taken care of. If you’re stuck with private student loans I definitely recommend checking them out.

    ...

  • author
    Cheryl Hutton
    3 days ago
    I had no issues applying for and…

    I had no issues applying for and processing my student loan refi

    ...

  • author
    Payton Kiehn
    4 days ago
    Simple process and love how they take…

    Simple process and love how they take more than your income, DTI into consideration. Literally had the loan all buttoned up in just a few hours!

    ...

  • author
    Mike S
    4 days ago
    Easy online platform to provide the…

    Easy online platform to provide the loan application and upload the appropriate documents. The approval and loan creation was timely. Thanks Earnest!

    ...

  • author
    Katie Taylor
    4 days ago
    My experience with earnest has been…

    My experience with earnest has been great! Helpful teammates and a user friendly interface!

    ...

  • author
    A lutz
    Jun 17, 2021
    It would be great if they had an app…

    It would be great if they had an app for android phones.

    ...

  • author
    Adrian A.
    Jun 17, 2021
    Great and fast customer service

    It is my first time applying for a loan and Earnest made things very simple. The application process is very simple and getting a rate is very quick! Unfortunately, I rated 3 stars because I had to restart my loan application 3 times . First to an error I made, then to a system update that documented an inaccurate rate for my loan. It wasn't until a week after I submitted paper work for the school to process when they sent an email about this problem. It was just unfortunate that the only solution was to restart another application. Applying for a loan is already a stressful process so having to jump a few hurdles made this experience a little more stressful. For the upcoming school year it just seems like everything is time sensitive and having this delay occur was just a minor headache. I made a handful of phone calls and it was quick to get my questions answered! I did not have to wait at all until the representative answered. They also provide a call back feature if you do not want to wait on the phone. The individuals I spoke to were very knowledgeable and patient with me. Amazing service !

    ...

  • author
    Nicole McKenzie
    Jun 17, 2021
    Application Process

    The application and review process was easy and convenient.

    ...

  • author
    Andy D
    Jun 17, 2021
    Refinancing from within

    Decided to refinance and take advantage of the lower interest rates that are currently available. Everything was fairly straightforward, but as an existing customer I feel the process could have been even simpler. Totally understand that the company may not want to make it too easy as they’re losing around 3% on fixed interest, but from a consumers perspective it would have definitely made me recommend to others because of pure simplicity. Apart from that, very happy with the service.

    ...

  • author
    JW
    Jun 17, 2021
    Early indicators aren't all that promising...

    I decided to go ahead with the refinancing of my student loans with Earnest despite the early poor interactions in seeking the loan (incorrect instructions from Earnest about next steps, phone calls scheduled with Earnest that they missed, etc.). At this point, the lower interest rate, that I was already fairly invested in the process, and the hope that I won't actually have to have any further interactions with them other than making my monthly payment on time led me to finalize the process.

    ...

  • author
    Courtney.
    Jun 16, 2021
    Everything so far has been quick and so…

    Everything so far has been quick and so very easy!

    ...

  • author
    CAMERON ROTHFUSS
    Jun 16, 2021
    Significantly reduced my Interest Rate on my Student Loan

    Significantly reduced my private college loan interest which will get me out of debt sooner than later! Who can go wrong with that!?

    ...

  • author
    Edward Garcia
    Jun 16, 2021
    Great refinance options

    The application process was easy and quickly received my options. Very competitive student loans refinance options. Great customer service and willing to answer any questions. They also offer an incentive for referrals.

    ...

  • author
    Christopher Kiragu
    Jun 16, 2021
    Earnest is the best student loan…

    Earnest is the best student loan company ever. Their rates cannot be beaten. I would refer it to anyone. Thanks Earnest for giving us low rates and payment.

    ...

  • author
    Vanessa Hernandez
    Jun 16, 2021
    Easy process and great rates

    Easy process and great rates! Paying my school loans is now feasible. So happy I found Earnest.

    ...

  • author
    Chandra Shekar
    Jun 16, 2021
    Refinancing the student loan with…

    Refinancing the student loan with Earnest was a pleasant experience. Everything was very transparent and the digital document signing made my job easier.

    ...

  • author
    Marethel Bautista
    Jun 16, 2021
    Staff was so nice and accommodating and…

    Staff was so nice and accommodating and very knowledgeable and they answer all the questions well and very patient.

    ...

  • author
    Happy so far
    Jun 16, 2021
    The process was easy and the rate is…

    The process was easy and the rate is competitive.

    ...

  • author
    Valerie Flory
    Jun 16, 2021
    Very easy application process and…

    Very easy application process and approval time.

    ...

  • author
    Jeff Lawrence
    Jun 15, 2021
    Easy 5 Stars

    Easy 5 Stars! Tried others yhat came back with a high rate or term that was too short. Communicated with me thoughout and process was easy!

    ...

  • author
    Ashley
    Jun 15, 2021
    Easy process!

    Easy process!

    ...

  • author
    Paul ADAMS
    Jun 15, 2021
    So easy

    So easy! And great rates. F*** navient.

    ...

  • author
    RN Nurse
    Jun 15, 2021
    Easy seamless pprocess

    Easy seamless application process. The site is very visually appealing and easy to use. There were updates as to the status of the payoff of my loans and tailoring the monthly payments really helped me. This was the easiest I've ever been through

    ...

  • author
    Carrie Dickinson-Terry
    Jun 15, 2021
    Easy

    Easy, straight forward, no hidden anything, and customizable for the situation. I'm a fan

    ...

  • author
    K.S.
    Jun 15, 2021
    Be very careful with this company

    Be very careful with this company. They approved my loan, and then one month later said they wouldn't approve it because my contract wasn't signed. They told me I needed to reapply due to a potential problem on their behalf and after I did that, they would remove the second hard inquiry. They are now arguing back and forth over email because they do not want to remove the second inquiry. Shameful.

    ...

  • author
    Kathryn Bertie
    Jun 15, 2021
    Excellent customer service

    Excellent customer service, easy transaction. All correspondence answered in a timely manner. I would highly recommend Earnest for all your student loan needs!

    ...

  • author
    Ute Mayr
    Jun 14, 2021
    I am a cosigner and the applicants and…

    I am a cosigner and the applicants and my account were not insink. I spoke with someone on chat.. he said it's my browser and I coudn't do the application on the phone. He was wrong. i wrote emails, and spoke to someone, it was confirmed, it was your software.

    ...

  • author
    Sarah
    Jun 14, 2021
    Easy to use

    Easy to use, straight forward information, and saving me lots of money!

    ...

  • author
    Phillip Johnson
    Jun 14, 2021
    Don’t do hard credit pull for ineligible applicants

    Rejected my application because I’m currently enrolled in classes. Nowhere on the Refinance Student Loans page does it say anything about being enrolled in classes will make you ineligible for student loan refinance. I emailed Earnest to tell them there is no need to pull someone’s credit if they don’t meet the eligibility criteria. I gave Earnest two options: accept my application because I was not informed of the eligibility criteria before I applied or contact the consumer reporting agency to tell them my credit was pulled in error. Earnest declined to do either so they’ve earned a 1 star review.

    ...

  • author
    Daniella Anastasio
    Jun 14, 2021
    very efficient

    very efficient everything can be handled online and the chat service is awesome and the agents are very knowledgeable

    ...

  • author
    Carlos
    Jun 13, 2021
    Quick and easy process!

    Quick and easy process. I got approved and saved over 13 percent over Navient. Thank you Earnest!

    ...

  • author
    Zachary N.
    Jun 13, 2021
    Very easy to work with and very…

    Very easy to work with and very friendly staff.

    ...

  • author
    Crystal Ward
    Jun 13, 2021
    I never dreamed I’d get refinancing on…

    I never dreamed I’d get refinancing on my student loans at half the interest the federal loans charged and it was done in less than four hours! One happy camper here!

    ...

  • author
    Kevin Cohen
    Jun 12, 2021
    Great rates

    Great rates, really easy process. I'm saving $120/month AND paying off my loans a year sooner.

    ...

  • author
    Kelly Grefe
    Jun 12, 2021
    I was very happy with my experience

    I was very happy with my experience

    ...

  • author
    Customer
    Jun 12, 2021
    Sense of Relief

    Allowed me to consolidate all of my loans into one payment with a much lower interest rate. The quiz was easy, the rates are good, the process of dropping my old provider was seamless and hands free. Overall a good experience so far.

    ...

  • author
    A Marshall
    Jun 12, 2021
    Overall

    Overall, it is an easy process and they offer good rates. I really enjoy the flexibility for either pay off sooner or lower monthly payments.

    ...

  • author
    MATTHEW HICKS
    Jun 11, 2021
    It's too soon to really know

    It's too soon to really know. I don't like being asked right away when loan funds haven't even been dispersed yet.

    ...

  • author
    Jenna Mersereau
    Jun 11, 2021
    Excellent company to work with

    Excellent company to work with, very smooth process.

    ...

  • author
    Stephanie Milak
    Jun 11, 2021
    Very happy with my new terms

    Very happy with my new terms, wish you had a mobile app that we could track balance and make payments on.

    ...

  • author
    HLM
    Jun 11, 2021
    Fast and easy

    Easy, fast, and affordable interest rates! Can’t wait to get my loans paid off faster!

    ...

  • author
    Gregg K
    Jun 11, 2021
    Unbelievably fast

    Unbelievably fast, easy process with great rates. Best student loan process I’ve experienced and I’ve been going through this for 6 years.

    ...

  • author
    Rachel
    Jun 11, 2021
    My case was individually reviewed and I…

    My case was individually reviewed and I got a considerably lower rate than with competitors, without a cosigner!

    ...

  • author
    Diane Armstrong
    Jun 11, 2021
    Easy and Thorough

    The process of applying was very easy. The approval was received quickly. The payoff of my prior loan was handled quickly. I would definitely recommend them to my friends.

    ...

  • author
    Jason Howard
    Jun 11, 2021
    Online

    Online, quick, and easy. Thanks for reducing my interest rate, consolidating my student loans, reducing my payments, and saving me money.

    ...

  • author
    Mellanby Ehana
    Jun 10, 2021
    Easy account access and straight to…

    Easy account access and straight to what documents are needed for approval. I got approved with ease.

    ...

  • author
    Anonymous
    Jun 10, 2021
    Made the process easy!

    Made the process easy!

    ...

  • author
    MK
    Jun 10, 2021
    Great rates, easy to use website, and communication. No app.

    Great rates, easy application and approval process. Where's the mobile app!?

    ...

  • author
    Ken
    Jun 10, 2021
    Student Loan Refinance

    So far I'm very impressed with the seamless process of refinancing my loan. The only reason it's not 5 stars is because I thought the decision notification took a little longer than expected.

    ...

  • author
    George Studlack
    Jun 10, 2021
    LOVE REFINANCING

    Earnest gave me an amazing APR on my student loan refinance. I had been with Sofi/Mohela and when I called them first they barely knocked my rate down at all. But earnest took it down over 3 points!

    ...

  • author
    Jessica Brown
    Jun 09, 2021
    The process was super easy

    The process was super easy. They had the best rate of all the companies I shopped. Got my approval in minutes!

    ...

  • author
    David
    Jun 09, 2021
    Good service

    Good service, fast to get my loan approved

    ...

  • author
    Erica Adams
    Jun 09, 2021
    BOMB Interest Rates

    Earnest is great with working with what is best for YOU! Paying an interest rate of 10% for my student loans were not going to work... Earnest was able to get my interest rate cut in half! Will be highly recommending to all my college friends!

    ...

  • author
    Miranda
    Jun 08, 2021
    Very easy to refinance my loans and get…

    Very easy to refinance my loans and get approved! I couldn’t believe how quick and easy of a process it was.

    ...

  • author
    Brock Trejo
    Jun 08, 2021
    incredibly efficient

    incredibly efficient. effortless.

    ...

  • author
    RS
    Jun 08, 2021
    I called to speak with a representative…

    I called to speak with a representative who was incredibly knowledgeable and patient to address all of my questions. Everything went smoothly and I’m happy to see enhancements are being made to their dashboard/site - super helpful and intuitive to use.

    ...

  • author
    Wingstar
    Jun 08, 2021
    Efficient service

    Efficient service, great rates!

    ...

  • author
    Nikkie V.
    Jun 08, 2021
    Refinance my private student loans

    Had to refinance my private student loans from different lenders in mid-2018 and earnest found a lender that consolidated it and gave me a 6.6% APR. After 2 years, end of May 2021, I refinance again in Earnest and got a 3.25% APR to another lender. Earnest is so reliable and easy to use. A one-stop shop for your student loan needs.

    ...

  • author
    Brendan Caroline
    Jun 08, 2021
    Easy to use

    Easy to use. Would have appreciated a warning email ahead of too much time passing for application to expire.

    ...

  • author
    Michael Mullen
    Jun 08, 2021
    Inept

    I mistakenly checked the wrong box for my loan. It took 4+ weeks for them to cancel my initial loan. In this time my school asked me to not work with Earnest anymore. In a last ditch effort, I emailed them to hopefully get it squared away so I can reapply, it took them a week to get back to me. A hold was placed on my account and I ended up going elsewhere to pay for school.

    ...

  • author
    tyler durst
    Jun 08, 2021
    Nice

    Nice nice nice nice nice

    ...

  • author
    John Reed
    Jun 05, 2021
    Refinancing my private student loan

    Refinancing my private student loan and the process has been easy and seamless. Haven't actually dealt with any reps or real people so far, but at this point I'm satisfied with my experience.

    ...

  • author
    Lori Trout
    Jun 05, 2021
    Easy and quick process.

    Easy and quick process.

    ...

  • author
    Laura
    Jun 04, 2021
    I wish I would have done this sooner

    I wish I would have done this sooner. So many years of student loans at a higher variable rate and I could have already been paid off with Earnest. Super easy application, very clear direction and quick response time.

    ...

  • author
    Deborah Wilde
    Jun 04, 2021
    Refinanced my student low for lower…

    Refinanced my student low for lower interest rate. Quick response and approval process, great rate!

    ...

  • author
    Venugopal Nagarajan
    Jun 04, 2021
    Thanks for user friendly website and…

    Thanks for user friendly website and prompt service.

    ...

  • author
    bob
    Jun 04, 2021
    Ernest was very fast and easy to use…

    Ernest was very fast and easy to use computer was very user-friendly and they were very fast and processing the loan at a great rate that’s far I am very pleased with them

    ...

  • author
    Michelle Hubbard
    Jun 03, 2021
    My experience so far with Earnest has…

    My experience so far with Earnest has been exceptional. I had personal student loans with outrageous rates, so decided to check them out. They offered me great interests rates and the process was easy, especially for someone like me who isn't tech savvy. I would recommend looking into them.

    ...

  • author
    eaiello
    Jun 03, 2021
    The website is very easy to use

    The website is very easy to use, and I was able to consolidate my loans and get a much, much better rate in minutes! I would definitely recommend Earnest to a friend.

    ...

  • author
    Ramon Moreno
    Jun 03, 2021
    The process was extremely easy

    The process was extremely easy. The rates were very competitive. Will for sure let my Nurse colleagues know refinancing with earnest.

    ...

  • author
    John Zimmerman
    Jun 03, 2021
    Just a simple process

    Just a simple process. Team was responsive. Thank you!

    ...

  • author
    Kristine
    Jun 03, 2021
    Easy

    Easy application process and competitive interest rates.

    ...

  • author
    Matthew
    Jun 03, 2021
    Awesome

    This time getting my student loan refinance approval through earnest was a breeze! Way easier than any company I've ever dealt with. Great rate and hassle free. What I like! Thanks guys

    ...

  • author
    Melanie Metcalf Lovell
    Jun 02, 2021
    I love Earnest

    I love Earnest. Just finished an easy-to-do refinance for lower interest. Fantastic customer service, user-friendly website, and I got a very competitive rate. They actually let me pick my repayment length, down to the number of months, with an easy-to-use interface that showed how the payments changed with each repayment term I selected. I did a lot of researched and shopped around, and Earnest delivered. Highly recommend.

    ...

  • author
    Carol Patterson
    Jun 02, 2021
    Best Decision Ever!

    This has been the easiest most smooth process of any company ever! Customer service is quick and always friendly. I’m so glad I found you!!

    ...

  • author
    Allan S
    Jun 02, 2021
    Greta service

    Greta service. Great rates. Easy application process. Would definitely use them again.

    ...

  • author
    Rose
    Jun 02, 2021
    Superb refinance experience!

    I love the philosophy of Earnest as a company and I am glad I found them. I am so excited that I was able to refinance my student loans in a way that shaved off 5 years from my payment plan and dropped my interest rate significantly, simply because of good financial standing and saving habits. If every student loan company was like Earnest, I think nationwide student debt would look very different. Oh, and in regards to the process? Incredibly streamlined and efficient. My refinance checks were sent out only about a week after I applied. Fabulous!

    ...

  • author
    Brianna Perry
    Jun 01, 2021
    Refinancing my student loans with…

    Refinancing my student loans with Earnest was one of the quickest, painless experiences I've ever had. Not difficult to understand the process and turnaround time getting approved and them buying out my previous lender was under 2 weeks. I would recommend them to anyone looking to refinance, they saved me about $100 a month with my new interest rate.

    ...

  • author
    Vince Albano
    Jun 01, 2021
    Highly Recommend

    We had an excellent experience applying and receiving a student loan. Simply process with excellent support when needed. Thank you Earnest Team!!!

    ...

  • author
    Carrie Vincent
    Jun 01, 2021
    College Loan Refinance

    With the help of representative, the process was easy and quick.

    ...

  • author
    Gill
    Jun 01, 2021
    Very easy to use and to track the…

    Very easy to use and to track the process of my application and subsequent loan.

    ...

  • author
    James
    Jun 01, 2021
    I love Earnest

    I love Earnest, the response is quick and the website is easy to use.

    ...

  • author
    JCC
    Jun 01, 2021
    seamless user experience!

    seamless user experience!

    ...

  • author
    juan moreno
    Jun 01, 2021
    Great service platform

    Great service platform. User friendly system and quick decision making! Overall a great experience!!

    ...

  • author
    Faye A
    Jun 01, 2021
    Cheapest rates for healthcare professionals

    Cheapest rates for healthcare professionals and reasonable time to pay off. Also allows you to split up payments to biweekly (helps to shave off a little interest and to make the payment).

    ...

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