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 6.99% APR. Apply online in minutes.Get My Loan
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.
We analyze extra information (such as your education, spending habits, and career trajectory) to offer rates personalized to you.
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.
You'll always reach a real human, whether you're seeking answers by email or phone.
Radical repayment flexibility for your personal loan
- Choose your preferred monthly payment
- Increase your payment amount anytime
- Make extra or early payments without fees
- No fees, hidden or otherwise
"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 Vogel, Senior Analyst
Frequently Asked Questions
What can I use an Earnest personal loan for?
Personal loans can be used for a number of reasons, including but not limited to: vacation/honeymoon, moving/relocation, security deposit, engagement/wedding, home improvement, new job expenses, and career development.
Can I change my requested loan amount?
We can consider approving your loan at a lower amount if you modify your application prior to our decision. Contact our Client Happiness team via email, chat, or phone to request this change or adjust the request by logging in to your Earnest account.
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.