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PERSONAL LOANS

Low-interest personal loans for financially responsible people

We offer low-rate, zero-fee personal loans for everything from credit card consolidation to life’s big moments. Fixed rates start at 5.25% APR.
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Radical repayment flexibility for your loan

PAYING OFF YOUR PERSONAL LOANS IS EASY WITH OUR DASHBOARD

  • Choose your preferred monthly payment
  • Increase your payment amount anytime


  • Make extra or early payments without fees
  • No fees, hidden or otherwise

earnest student loans mobile app

An experience designed for savings & satisfaction at every step

loan application earnest
loan decision earnest

FAIR APPLICATION

We evaluate extra data, like your savings habits, education, and earning potential. This helps us build a better picture of your full financial profile so we can offer you the lowest possible rate.

QUICK DECISION

You will receive a prompt response to your personal loan application. Read our eligibility guide for more on how we decide.

EXPERT IN-HOUSE SERVICE

Our expert Client Happiness team will personally handle any service questions or issues for the life of your loan, so don’t hesitate to ask.

loan application earnest

FAIR APPLICATION

We evaluate extra data, like your savings habits, education, and earning potential. This helps us build a better picture of your full financial profile so we can offer you the lowest possible rate.

loan decision earnest

QUICK DECISION

You will receive a prompt response to your personal loan application. Read our eligibility guide for more on how we decide.

EXPERT IN-HOUSE SERVICE

Our expert Client Happiness team will personally handle any service questions or issues for the life of your loan, so don’t hesitate to ask.

Personal 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
Illustration of an example financial profile

“The combination of an easy online application with just enough human contact when it was needed. Never had to wait on hold and there has been very little unnecessary back-and-forth.”

JORDAN PRESNICK, $5,300 LOAN

Get acquainted with personal loans

We’ve put together a library of essential articles to help you understand personal loans. And keep an eye out—we’re always adding more.

Browse Resource Library

Personal Loans 101

How do personal loans work?

Simply put, a personal loan helps people borrow money for a set timeframe, and pay it back in installments. It is a unsecured loan, meaning there is no asset/property that can be reclaimed by the lender (as with a mortgage or car loan). A personal loan’s interest rate is based solely on the borrower’s creditworthiness.

Some services like Credit Karma now allow you to check your credit score for free prior to applying for a loan, without affecting your credit. Personal loans are often a good choice to consolidate credit card debt with a lower interest rate.

Earnest Personal Loans Reviews

SEE WHAT OUR CLIENTS HAVE TO SAY

4.86/5 (7)

Efficient and painless process!

Working with Earnest and their team to get my personal loan was a pleasure! They make the process very easy and I am happy with the service and loan that I received.

Samantha P. - Brighton, Michigan
Credit Card Consolidation Loan

An open and honest way to get much needed funds.

Earnest keeps things real. Everything from the application to the agreement is user-friendly, open, and honest.

Kiara Z. - Cambridge, Massachusetts
Credit Card Consolidation Loan

Showed me the money!!

Simple, easy and best of all...loaned me the money I requested :-)

Rick R. - Sammamish, Washington
Home Improvement Loan

Good service but slow processing.

It took totally 14 working days to approve the loan. Other than the slow processing rest all very good.

Naveen Kumar G. - Boca Raton, Florida
Other

Good people.

Good people and Very helpful.

Elizabeth P. - Brooklyn, New York
Credit Card Consolidation Loan

Thorough yet simple and always friendly and helpful.

Choosing to lend and not borrow, I was deeply in debt and I wanted to consolidate my credit cards and focus on getting becoming debt free. Earnest was thorough in obtaining information from me to verify I am credit worthy, yet it was such a simple process. I highly recommend using them to refinance your student loans or consolidate your debt. Every one is always very friendly and very helpful.

Julie J. - Victorville, California
Credit Card Consolidation Loan

Smooth and easy.

Smooth and easy process.

Edward O. - Warrington, Pennsylvania
Credit Card Consolidation Loan
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Reviews solicited from random sample of Earnest clients since July 2017. All responses are published here in full. No compensation was provided in exchange for reviews.