Variable rates start at {{minVariableRate | estPercentage:'%':2}} APR and fixed rates start at {{minFixedRate | estPercentage:'%':2}} APR with autopay.


See the referral terms for details about this special offer.

Get your estimated rate and savings in 2 minutes without affecting your credit score.

Radical repayment flexibility


  • Set your exact monthly payment
  • Change payment amount anytime
  • Save on interest with optional bi-weekly payments
  • Switch between fixed & variable rates at no charge
  • Make extra or early payments without fees
  • Skip a payment and make it up later
  • Consolidate your private and federal loans into one adjustable payment
Example of user dashboard

Save even more with Precision Pricing™

Personalize your interest rate to your exact term, which can save you over $1,000 in interest

Pick the monthly payment that's right for your budget. Precision Pricing™ means our rates are just as low at 5-, 10-, 15-, and 20-year terms – and lower for everything in between.

Only Earnest will never pass you off to a third-party servicer

Service for the life of your loan

Our in-house Client Happiness team will personally handle any service questions or issues for the life of your loan. Other lenders’ support lasts about 30 days. After that, you’re passed off to a third-party servicer.

Earnest Client Service
Life of the Loan
Other Lenders
Life of the Loan

Loans the new-fashioned way

Better rates through better data analysis

Our data-driven evaluation of your full financial profile gives us the ability to offer qualified borrowers lower, more personalized rates than traditional lenders can.

How it works
Diagram of an example financial profile

An experience built to save you time & money

Quick & Simple To Apply

2 Mins To Get Your Estimated Rate

By analyzing information beyond your credit score, we can quickly provide you a rate estimate. You will receive your final rate with your approval notice.

Loan Application

We look at data other lenders don’t, like savings, education, and earning potential. This helps us build a better picture of your full financial profile so that we can offer our clients the lowest possible rates.

Loan Decision

If you’re approved, you can set your exact monthly payment and choose between a variable and fixed rate. How do we decide? Read our eligibility guide.

“To be able to pay off my student loans before their original term date and save so much on the life of the loan is huge.”

Noel True, NYU MFA – $85,900 Refinanced, $38,400 Saved