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Personal Loans built to support you
Consolidate your debt, pay it off faster, and potentially save with these exclusive benefits:
No fees required: no prepayment, late, or mandatory origination fees
Rate Drop Reward4: lower your rate by up to 0.75% as you pay off your loan
Skip 1 payment a year5: no penalty fees, just breathing room
Get your funds in as little as 24 hours6: no waiting
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Rate Drop Rewards: Only with Earnest
You could lower your interest rate by up to 0.75% as you pay down your loan on time each month. Say you start with a 10% fixed interest rate—you could qualify for a rate as low as 9.25% once you've paid off 75% of your loan. The result? You'll pay less interest overall.
It's our way of rewarding responsible repayment, not just collecting payments.
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How it works
Check your rate in minutes
See your pre-selected rate with zero credit score impact
Submit your application
Submit in minutes, with only 3 simple steps
Customize your loan
Choose from up to 72 payment options
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Earnest Personal Loans
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Answers to your top questions
Have more questions? Visit the Help Center.
From the Earnest Blog
Tips and tools to help you reach your goals
1 Actual rates will vary based on your financial profile. Fixed Annual Percentage Rates (APR) range from 9.24% to 25.24% (8.99% - 24.99% with a 0.25% Auto Pay discount and optional origination fee). The lowest rates are available to the most creditworthy applicants and require selecting the shortest loan term, enrolling in Auto Pay, and opting in to the origination fee. Auto Pay enrollment is not required to obtain a loan.
2 You may receive an interest rate reduction by enrolling in Auto Pay with a checking or savings account. The reduction applies only while enrolled and may not be combined with certain repayment programs. For joint loans, only one borrower may enroll.
3 You may qualify for a lower interest rate by electing to pay an optional origination fee that is equal to 1-8% of your total loan amount. The fee is deducted from your loan proceeds at disbursement. This fee is not required and it will not impact your loan approval.
4 "You may be eligible to receive a 0.25% interest rate reduction when you meet each of the following milestones:
When you have repaid 25% of your loan principal and made 12 consecutive on-time monthly principal and interest payments in full, as scheduled under your loan agreement.
When you have repaid 50% of your loan principal and maintained your on-time payment history.
When you have repaid 75% of your loan principal and maintained your on-time payment history.
Discounts are applied automatically once the criteria is met."
5 Earnest clients may skip a payment through a single, one-month deferment during a 12-month period. Your first request to skip a payment can be made once you’ve made at least 6 months of consecutive on-time full principal and interest payments, and your loan is in good standing. The interest accrued during the skipped month will result in an increase in your remaining minimum payment. The final payoff date on your loan will be extended by the length of the skipped payment periods.
6 24 hour funding is not guaranteed and is subject to the availability of funds which includes but is not limited to the time of loan approval, verification requirements, and bank processing times.
7 The full range of loan terms vary by state. Representative example of repayment terms for an unsecured personal loan: For $12,000 borrowed over 36 months at 11.99% APR, the monthly payment is $399. This example is an estimate only and assumes all payments are made on time. The actual rate and payment amount may vary and is determined by the product, term, loan amount and your credit qualifications.
8 Not everyone will qualify for these repayment terms. Example includes all discounts including our optional origination fee*.
*You may qualify for a lower interest rate by electing to pay an optional origination fee that is equal to 1-8% of your total loan amount. The fee is deducted from your loan proceeds at disbursement. This fee is not required and it will not impact your loan approval.
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