Your low rate awaits — future you says 'thanks'
Our variable rates start at 1.99% APR and fixed rates start at 2.98% APR, including Auto Pay discount. Your pre-qualification has expired, but you can still get your rate estimate with no effect on your credit score.
Get a Payment Fit for Your Budget
Our mission is to get you—and other successful grads—the low rates you deserve. We look at your unique profile and provide fair rates and terms tailored to you. Then you enjoy flexible payments, no fees, and expert service for the life of your loan.
Four reasons why people choose Earnest
Lower rates through better data
We use data other lenders don’t—like your savings patterns, investments, and career trajectory—to give you the rate you deserve.
Expert in-house service
Our industry-best Client Happiness team is available via call, text or email.
More savings through custom terms
Use our Precision Pricing™ tool to save extra cash. Pick the right payment, rate, and term for your budget.
Quick and seamless experience
Apply online, then manage your account payment preferences with our intuitive dashboard.