After receiving an outrageous rate from Sallie Mae that they gave us without doing an actual credit check, we were so relieved when Earnest came through with a fair and reasonable rate. Student loans... See more
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Review summary
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What people talk about most
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My goal was to get the interest and constantly changing payments through the federal student loan under control. You have done that. My payment doesn't change, and I actually have a definitive payof... See more
I was getting denied everywhere and I really needed a loan since my brother has not been paying his educational loans for 7 years and my mom could no longer cosign. My dad straight up said no to me wi... See more
Ernest is only one of two entities listed as working with the University of Edinburgh. Sally Mae was the other one. Comparing cost of loan over life of the loan, with interest, Ernest was about $30,00... See more
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
9K reviews
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The application process was very simple…
The application process was very simple and easy to use. Customer service went above and beyond to answer my questions. Looking forward to working with Earnest with my student loan refinance.
September 10, 2026
May use AI-assist with repliesRead more
At Trustpilot, it's all about human content. This business can also access our AI-assisted response tool which helps them draft replies.
Interest is definitely too high
Interest is definitely too high! There was no other choice! Gouging the student!
September 10, 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.
It was a very easy process
It was a very easy process. I would recommend it to a friend
September 2, 2026
I wanted to share my positive…
I wanted to share my positive experience working with Earnest. They were very quick to respond to my loan request, and the entire application and approval process went smoothly.
I highly recommend their services.
September 9, 2026
Very helpful and patient
Representative was very helpful and patient. Walked us through the process.
September 9, 2026
The process was fast and easy.
September 9, 2026
Good customer service.
September 2, 2026
As a co-signer I found the forms to be…
As a co-signer I found the forms to be completed on line a little confusing or non intuitive. When I called the help inline, the individual who assisted me was excellent.
September 7, 2026
Reply from Earnest
Thank you for your review and feedback! We apologize for the less-than-stellar application experience. We have emailed you directly with more information.
Best rates available!
When comparing rates, Ernest offered the best rates by multiple points!
September 8, 2026
Great experience and Customer Service
I had a great experience with this company. The process was easy to understand, and everything went smoothly. I was very pleased with the customer service and how they handled everything. I would definitely recommend them. When evey other company said no, Earnest said YES!
September 2, 2026
Prayers were Answered!
I was getting denied everywhere and I really needed a loan since my brother has not been paying his educational loans for 7 years and my mom could no longer cosign. My dad straight up said no to me with no explanation. Earnest is truly a God-send that is making my Master's program possible!
September 9, 2026
It was quick and easy and they were a…
It was quick and easy and they were a great help.
September 8, 2026
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