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Get the treatment you need, with a lender you can trust
Unexpected medical expenses are one of life’s most challenging financial costs to bear. A low-cost Earnest personal loan can help you afford necessary treatments without unnecessary fees.
Radical repayment flexibility for your loan
- Choose your preferred monthly payment
- Increase your payment amount anytime
- Make extra or early payments without fees
- No origination fees or anything-else fees
We evaluate extra data beyond your credit score, 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.
You will receive a prompt response to your personal loan application. Read our eligibility guide for more on how we evaluate your application.
You'll always reach a real human, whether you're seeking answers by email or phone.
"Other lenders wouldn't trust my short credit history. But you guys got the full story about where I’m at and why I need [a loan]."
Monica C., Speech Pathologist
Preview Your Personal Loan Options
The chart below displays the range of options for APR, monthly payments, and total payments based on a hypothetical $10,000 personal loan. Your own interest rate will depend on the term you choose, as well as your financial profile. Visit our eligibility page to see our eligibility criteria for personal loans.
|Term||Origination Fee||Rate (Fixed APR)||No. of Payments||Monthly Payment||Total Payments|
|3 Years||None||5.99% - 13.74%||36||$304 - $341||$10,950 - $12,259|
|4 Years||None||6.49% - 15.74%||48||$237 - $282||$11,381 - $13,540|
|5 Years||None||7.24% - 17.24%||60||$199 - $250||$11,949 - $14,989|
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
Paying for medical costs 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 honeymoons, an Earnest personal loan can help you afford all of life’s major expenses.