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Low-interest personal loans for financially responsible people

FIXED-RATE PERSONAL LOANS START AT 5.25% APR

Earnest offers fair, low-interest personal loans for everything from weddings to home improvements. We look at data other lenders don’t, which helps us better understand our clients and offer them lower rates – and we never charge fees.

Get Your Loan
$2,000
$50,000
1 year
2 year
3 year

$0

no fees

3 years

$374 $409

monthly payment

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
Student loan refinance dashboard illustration

A loan experience built to save you time and money

It's simple to apply for an earnest personal loan

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, usually within 2 business days. 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

Personal loans for living life

Whatever your dream, we can help get you there

We offer simple, low-interest personal loans to financially responsible people, so that they can worry less about their finances and focus more on their futures.

Get Your Loan

Big Renovation

Paint brushes

Big Ambition

Man and woman looking at laptop screen

Big Move

Cardboard boxes for packing

Big Interview

Hand holding tag of collared shirt on a hanger

Big Moment

Man with one hand over woman's eyes, one hand holding a ring

Big Adventure

Woman biking in tropical place

Big Day

Bouquet of flowers

Have questions?

Our team has answers

We believe lending should be as transparent as possible. If you ever have any questions, we are only a call, chat, or email away. No third-party call centers, no long wait times, just client support the way it should be.