Escape from reality—and high rates
Get the funds to put your feet in the sand—or a distant city street. Our fixed-rate vacation loans start at just 6.99% APR. Apply online in minutes.Get My Loan
Low-cost loans to see far-off lands
Sometimes your free time and free cash don’t quite line up; that’s where an Earnest personal loan comes in. Whether it’s a solo backpacking sabbatical or a laid-back family trip, a personal loan can help you get the getaway you deserve.
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
We analyze extra information (such as your education, spending habits, and career trajectory) to offer rates personalized to you.
Fast decision & deposit
You will receive a prompt response to your application. If approved, you’ll get the money within two days of signing your agreement.
You'll always reach a real human, whether you're seeking answers by email or phone.
"[A personal loan] helped me have way more fun, and get from point A to B in a safer, more expedient way. I spent more time enjoying and less time worrying about optimizing for cheap travel."
Luke Henesy, Consultant
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
Vacations are 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 expenses.