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Home Improvement Loans

Next steps for Earnest personal loans

In order to better serve the education financing needs of our clients, we’re currently updating our personal loan offering. If you have a question about an existing Earnest personal loan, you can visit our Help Center or contact our Client Happiness team for support.

Help Center

You’ve got the vision.
We’ve got the funds.

Whether it’s a major repair or a much-needed remodel, an Earnest home improvement loan makes your upgrades more affordable. Apply in just a few minutes—we’re excited to help your perfect home happen.

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An experience designed for savings and satisfaction at every step
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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


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“The Earnest loan let us finish the project on the schedule we wanted and get back to living our normal life sooner.”

Katie O., Pharmacist

Money for life's biggest moments

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

Read More About Earnest Personal Loans