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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The Website was easy to navigate and…
The Website was easy to navigate and there was no hassle completing my application.
April 18, 2026
Great process and human follow up
Great process and human follow up. I don't think the lowest advertised rate is actually possible, but maybe. Either way great rate and simple process.
April 17, 2026
The approval time
April 2, 2026
Comparable rates
I was able to get rates before credit pull in order to compare and it was the best one out of the ones I gathered.
April 10, 2026
I had a great experience with Earnest
I had a great experience with Earnest. The entire process was smooth and easy from start to finish. Jane was especially helpful—she consistently followed up with me, stayed on top of everything, and took the time to answer all of my many questions thoroughly. I never felt lost or unsure at any point. The approval process was straightforward and stress-free, which made a big difference. I truly appreciate the level of communication and support I received.
April 10, 2026
great customer service!
April 17, 2026
I have used Earnest in the past for my…
I have used Earnest in the past for my loans, and got them paid off quickly. Your refinancing option every 6ish months was incredibly helpful! It allowed me to continue working on my credit score, while building a better interest rate and credibility with Earnest.
April 10, 2026
Everything was so easy to follow
Everything was so easy to follow. The process of applying was very simple and straightforward! And I love that when you have questions you can use the chat box to get them answered quickly.
April 17, 2026
Exceptional customer service.
I truly appreciate your customer service representatives, they are kind, polite and knowledgeable.
April 8, 2026
Fast and easy
April 14, 2026
I recently had the opportunity to speak…
I recently had the opportunity to speak with customer service team and I was genuinely impressed by the experience. They took the time to clearly explain my loan details and my application, answered all of my questions without rushing.
April 15, 2026
Refinancing was quick and easy
Refinancing was quick and easy. Way quicker than I thought it would be.
April 15, 2026
William the agent was very helpful and…
William the agent was very helpful and accommodating. He helped me navigate the loan process
April 15, 2026
Ease of application and fast approval
April 8, 2026
Lisa is awesome!!
April 14, 2026
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