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.
Explanation of Rates “With Autopay”
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.
Individuals portrayed as Earnest clients on this site are actual clients and were compensated for their participation.