Man proposing to woman on hill overlooking city engagement ring loans

Engagement Ring Loans

Pop the question without popping your piggy bank

With a low-rate personal loan from Earnest, there’s no need to tap your savings to thrill your sweetie. Fixed rates start at just 5.99% APR. Apply online in minutes.

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Get a breathtaking ring at a budget-friendly rate

Whether or not you adhere to the three-months’ salary rule, the cost of an engagement ring is likely to be one of the most expensive items you buy in your life. An Earnest personal loan helps ensure your future betrothed is fully awestruck.  


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An experience designed for savings and satisfaction at every step
earnest personal loans

Fair evaluation

We analyze extra information (such as your education, spending habits, and career trajectory) to offer rates personalized to you.

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Fast decision & deposit

We promise a prompt response to your application. If you're approved, we’ll get the money to your bank account within two days.

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Human service

You'll always reach a real human, whether you're seeking answers by email or phone.

Radical repayment flexibility for your personal loan

Pay off your loan with options customized to your life
  • Choose your preferred monthly payment
  • Increase your payment amount anytime

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

save money with earnest

"I was surprised when I was denied at multiple lenders, so was really appreciative when Earnest approved me. [My personal loan] will also help my credit rating—it’s a win-win."

Eddie V., Senior Analyst

Money for life's biggest moments

Engagement expenses are a popular use for personal loans—but Earnest clients use their funds for all kinds of occasions. From credit card debt consolidation to home improvement, an Earnest personal loan can help you afford all of life’s expenses.

Read More About Earnest Personal Loans