Alert Message

We believe many financially responsible people aren’t getting the credit they deserve. That’s why we strive to look more comprehensively at your financial profile, and offer the low rates and high quality service you’ve earned.

WHY WE STARTED EARNEST

We believe the fundamental role of banks and lenders is to help people realize their hopes and dreams. But we realized the financial system had forgotten this primary purpose, instead serving to enrich a privileged few. So we started Earnest to restore the trust that is sorely missing from the current system, and to build a modern financial institution that actually delivers on making clients’ lives better.

Whatever your ambition, we help get you there. We do low-cost lending to financially responsible people, and allow them to customize their repayment plan to fit their needs. We want to help our clients take control of their finances and realize their dreams—and in doing so create a relationship with them that lasts a lifetime.

WHO WE ARE

We are a skilled team of design, math, finance, and technology geeks who noticed a lack of trust in the financial system and decided to do something about it. We created a company that combines data science, streamlined design, and exceptional service to bring people a fast, low-cost, and hyper-personalized financial experience. Our mission is to make credit more accessible by reducing the costs and barriers faced by millions of financially responsible people.

Benjamin Hutchinson

COO & Founder

Gian Gonzaga

Chief Data Officer

Kamal Hamdan

Chief Risk Officer

Rob Millard

Chief Financial Officer

Jim Patterson

Chief Product Officer

Brad Henrickson

VP of Engineering

Kieran Brady

Capital Markets

Logan Eldridge

Operations

Brandy Heinberger

Client Happiness

Priya Pai

Legal

Jorge Tapias

Partnerships

David Wind

Operations

Ademar R.

Design

Adrielle W.

Client Happiness

Alan B.

Product

Aldren B.

Client Happiness

Alex C.

Data

Analeise M.

Servicing Ops

Andrew K.

Engineering

Andrew S.

Engineering

Andy M.

Legal

Ann C.

Operations

Brydie F.

Legal

Casey M.

IT

Colleen M.

Recruiting

David M.

Credit Ops

David Z.

Marketing

Delaney L.

Credit Ops

Dora M.

Partnerships

Elyse V.

Client Happiness

Gavin H.

Engineering

Goutham V.

Portfolio Risk

Harmeet S.

Credit Ops

Harsha Y.

Engineering

Helena N.

Credit Ops

Howard L.

Engineering

Innocent M.

Engineering

James I.

Engineering

Jen S.

Engineering

Jenny K.

Design

Jenny T.

Client Happiness

Jerold B.

Facilities

Jesse A.

Engineering

Jessica C.

Client Happiness

Johan B.

Engineering

John D.

Credit Ops

Johnny H.

Finance

Josh H.

Finance & Facilities

Julia F.

Legal

Katrina P.

Recruiting

Keith S.

Product Management

Kelly C.

Credit Ops

Ken E.

Legal

Kesley K.

Credit Ops

Kristina V.

Operations

Kunal S.

Finance

Kyle C.

IT

Lindsay A.

Credit Ops

Lindsay K.

Finance

Madison W.

Client Happiness

Mark E.

Engineering

Maroun N.

Design

Matias H.

Marketing

Matjaz P.

Engineering

Matthew H.

Client Happiness

Maxime F.

Data

Megan G.

Finance

Melissa C.

Capital Markets

Mike D.

Client Happiness

Mike S.

Engineering

Nashay C.

Credit Ops

Patrick W.

Data

Paul W.

Capital Markets

Peter E.

Data

Peter N.

Engineering

Peter P.

Engineering

Peter T.

Client Happiness

Raghni E.

Credit Ops

Ramsey N.

Capital Markets

Reeva N.

Credit Ops

Ricardo E.

Client Happiness

Rit B.

Engineering

Ryan B.

Client Happiness

Ryan S.

Product Management

Ryan Y.

Credit Ops

Sam E.

Credit Ops

Scarlett L.

Capital Markets

Scott A.

Marketing

Scott R.

Credit Ops

Sharmaine W.

People Ops

Sherwin S.

Portfolio Risk

Sierra E.

People Ops

Skyler H.

Credit Ops

Stas S.

Data

Taya D.

Credit Ops

Tim Y.

Capital Markets

Tobias W.

Engineering

Tony D.

Marketing

Tony W.

Engineering

Travis R.

Product Management

Trevor G.

Credit Ops

Will L.

Engineering

Vivien L.

Client Happiness

Zoë F.

Engineering