Alert Message

We believe many financially responsible people aren’t getting the credit they deserve. That’s why we strive to eliminate unnecessary costs from the banking process and offer our clients the low rates they deserve.

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.

Louis Beryl

CEO & Founder

Benjamin Hutchinson

COO & Founder

Brian Romanko

Chief Technology Officer

Gian Gonzaga

Chief Data Officer

Kamal Hamdan

Chief Risk Officer

Jim Patterson

Chief Product Officer

Rob Millard

Chief Financial Officer

Brad Henrickson

VP of Engineering

Logan E.

Client Happiness

Nancy Hauge

Head of People

Kieran Brady

Capital Markets

David W.

Operations

Priya P.

Legal

Abby C.

People Ops

Jorge T.

Partnerships

Akin O.

Engineering

Aldren B.

Client Happiness

Alex C.

Data

Amanda M.

Engineering

Amelia M.

People Ops

Analeise M.

Portfolio Risk

Andrew H.

Engineering

Andrew K.

Engineering

Andrew M.

Credit Ops

Andrew S.

Engineering

Andy M.

Legal

Ann C.

Portfolio Risk

Aunim H.

Product Management

Binh N.

Engineering

Brenda L.

Credit Ops

Brydie F.

Legal

Carrie S.

Data

Catherine N.

Marketing

Chase E.

Engineering

Colleen M.

People Ops

Dana R.

Partnerships

David G.

Credit Ops

David M.

Credit Ops

David Z.

Marketing

Delaney L.

Credit Ops

Dora M.

Partnerships

Elyse L.

Product Management

Elyse V.

Client Happiness

Evan M.

Engineering

Gavin H.

Engineering

Hala B.

Client Happiness & Marketing

Harmeet S.

Credit Ops

Harsha Y.

Engineering

Helena N.

Credit Ops.

Howard L.

Engineering

Inigo P.

Engineering

Jamie Q.

Credit Ops

James I.

Engineering

Jamon D.

Engineering

Jane D.

Credit Ops

Jen S.

Engineering

Jenny K.

Design

Jenny T.

Client Happiness

Jesse A.

Engineering

John A.

Engineering

John D.

Credit Ops

Johnny H.

Finance

Josh H.

Finance & Facilities

Julia F.

Legal

Katrina P.

Recruiting

Keith S.

Product Management

Keith W.

Portfolio Risk

Kevin C.

Credit Ops

Lindsay A.

Client Happiness

Lindsay K.

Finance

Lucia V.

Operations

Mark E.

Engineering

Matjaz P.

Engineering

Matt B.

Marketing

Maxime F.

Data

Megan G.

Finance

Melissa D.

Data

Mike S.

Engineering

Patrick W.

Engineering

Paul M.

Data

Paul W.

Capital Markets

Pete H.

Engineering

Peter E.

Data

Peter N.

Engineering

Peter T.

Client Happiness

Petr O.

Engineering

Raghni E.

Credit Ops

Ramsey N.

Capital Markets

Rit B.

Engineering

Ryan B.

Client Happiness

Ryan Y.

Credit Ops

Sam E.

Credit Ops

Scott A.

Marketing

Scott M.

Portfolio Risk

Sean M.

Data

Sharmaine W.

People Ops

Sherwin S.

Portfolio Risk

Shirley H.

Client Happiness

Sierra E.

People Ops

Spencer C.

Engineering

Stas S.

Data

Taya D.

Credit Ops

Tim Y.

Capital Markets

Tobias W.

Engineering

Tony D.

Marketing

Tony W.

Engineering

Vivian J.

Credit Ops

Vivien L.

Client Happiness

Vlad C.

Communications

Ying L.

Data

Zara I.

Capital Markets

Zoë F.

Engineering

OUR INVESTORS

We are lucky enough to have the confidence of some of the best investors in the world including industry leading venture capital firms and a small group of visionary angels.