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.