We use data other lenders don’t—like your savings patterns, investments, and career trajectory—to give you the rate you deserve.
Customization to your budget & timeline
Precision Pricing™ saves money for student loan refinancing clients by using your budget to determine a unique rate and term—down to the month.
Seamless from start to finish
Apply online, then manage your account payment preferences with our intuitive dashboard.
Expert in-house service
Our in-house Client Happiness team is available via call, text, or email for student loan clients.
Personal finance that fits you
We believe financially responsible people deserve better financial options. That’s why we’re blending insightful data science, elegant design, and personalized service to build lifelong relationships with our clients.
Rates shown include 0.25% APR reduction when client agrees to make monthly principal and interest payments by automatic electronic payment. Use of autopay is not required to receive an Earnest loan.
Explanation of Precision Pricing™ Savings
Savings calculations are based on refinancing $121,825 in student loans at an existing loan servicer’s interest rate of 7.5% fixed APR with 10 years, 6 months remaining on the loan term. The other lender’s savings and APR (light green line) represent what would happen if those loans were refinanced at the other lender’s best fixed APRs. The Earnest savings and APR (white line) represent refinancing those loans at Earnest’s best fixed APRs.
Savings is computed as the difference between the future scheduled payments on the existing loans and payments on new Earnest and “other lender” loans. The calculation assumes on-time loan payments, no change in interest rates, and no prepayment of loans.
Client Testimonials
Individuals portrayed as Earnest clients on this site are actual clients and were compensated for their participation.
Disclaimers
Explanation of Rates “With Autopay”
Rates shown include 0.25% interest rate reduction where client agrees to make monthly payments by automatic electronic payment. Use of autopay is not required to receive an Earnest loan.
Client Testimonials
Individuals portrayed as Earnest clients on this site are actual clients and were compensated for their participation.
