Site was well integrated with loan companies making the process very quick. Great straightforward feature using a sliding scale to see your chosen payment and it's affect on your rate and term. Very t... See more
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The application process was so smooth and easy. The customer service rep, Latecia, was great!! I'm still in shock. Your willingness to put me in a better situation financially is blessing!!! The fact... See more
The process of applying for the loan was easy! Was pleasantly surprised to see I was accepted for up to 80k to refinance with a 690 credit score. I had shot my credit from debt settlement a while ago... See more
Nicole from Earnest was so helpful in refinancing my student loans. She got me a great rate and was very responsive and helpful throughout the whole process. I can't thank her or Earnest enough.
Company details
Information provided by various external sources
Earnest is an online lender that looks beyond a simple credit score to offer the lowest possible interest rates on student loan refinancing and personal loans. Earnest determines if someone is financially responsible by looking at thousands of data points including saving patterns, 401k investments, career growth potential, and employment history. Earnest offers a quick and easy application process online to learn about a potential client’s education and employment history and see if they are a good fit. The client dashboard makes it easy to pay off loans. Clients can tailor their loan term, minimum monthly payment, set up bi-weekly payments, make extra payments, and skip a payment and make it up later. The Earnest Client Happiness team strives every day to take the borrowing experience from robotic, to one that recognizes people as individuals. The team hears client’s stories all day and uses those to shape the future of the company. They work one on one with clients to address their questions or concerns until the issue is resolved. Earnest isn't content with providing reactive support, they push themselves to be proactive to make the borrowing process easier for their clients. If you want to help Earnest be proactive, leave a review! If you are having issues please reach out to customer service to get help.
Earnest
Written by the company
- Earnest is committed to providing the lowest possible rate to our clients.
- Earnest works every day to assure that clients get the lowest rate possible on their loan. Earnest data scientist, engineers, and designers use technology to bring the most savings possible to people with debt. The company uses precision pricing to find the sweet spot between what clients should be paying in interest and what they can afford. Visit earnest.com to get your low rate!
Contact info
303 2nd St, Suite 401N, 94107, San Francisco , United States
- (888) 601-2801
- earnest.com
4.6
Excellent
8K reviews
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My application process went smoothly.
May 11, 2026
The most amazing customer service
The most amazing customer service ! Every department makes it more personal for you to deal with ! Eddie / Elliot / Christine & Bianca were amazing ! They lead you through the entire process of student loan refinance !
May 18, 2026
Thanks - Great Experience
I hoped to not have a hard inquiry and I wish I did have Earnest as a the qualified vendor from the get-go on Wharton portal.
May 11, 2026
Quick and Easy
Ease of completing the requested information, and signing the documents. The interest rate was great.
May 16, 2026
The application was easy to fill out.
May 9, 2026
Easy and seamless process
Easy and seamless process. Quick approval and sign up process. Happy
May 8, 2026
Easy and fast
Easy and fast. Amazing how fast you're notified if you're approved or not!!
May 12, 2026
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Reply
Asia was my loan consultant and from 0 - 10, I’d rate her an 11. She was superb every step of her process. I was frustrated with the false advertising which was sent to me in the mail. Brochure indicated I was prequalified for lowest rate indicated (which would have been 4.71% at a 10 year term). The brochure indicated offer was valid until June 15th.I ended up with a rate of 5.19%.still not sure how my annual income and $3.6 mill in assets would not get me the lowest rate for 10 year term.
I can live with the rate I have. The response sounded like a bunch of gobly gook. Common sense (if there is any, anymore) would suggest my $98k in retirement income probably exceeds most working people’s wages. Also this isn’t my first student loan arrangement. My son graduated with his doctorate degree in 2015 with a $250k debt. We now have that down to $53k in just 10 years!!! I’ve been paying $800 a month on his loans with AES and now the payment with earnest drops it to $557! Where is the risk???
I’ve lowered my payment but somehow I’m a higher risk!!
I’m not upset, I just think it’s crazy
May 13, 2026
Reply from Earnest
Thank you for your review and feedback! We apologize for the less-than-exceptional experience. We have emailed you directly with more information.
Fantastic!!
Everyone that I worked with was fantastic! They helped make the process very simple. The rates Earnest is providing will save me a ton of money and allow me to pay off these student loans quicker.
May 6, 2026
Kem was extremely helpful in working…
Kem was extremely helpful in working with me to try solving a log in problem.
May 13, 2026
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