Explore your options with personal loans

Earnest has partnered with Fiona to help you find the right personal loan for you. Get credit card debt under control or finance your next big move. Get matched with loan options in less than 60 seconds.

Earnest and Fiona

Freedom of choice

To give you more options when it comes to personal loans, Earnest is working with Fiona—the leading search, comparison, and recommendation engine for loan offers. Fiona is the easiest way to get matched with personalized loan offers — with no impact on your credit score.

Meet Fiona, the personal loan search engine.

Save time by searching loan offers from many of the top providers all in one place. Get matched with a personal loan that gives you a monthly payment or APR that works best for you.

  • Get matched in less than 60 seconds
  • Loan terms from 24-84 months
  • Loan amounts from $1,000-$100,000
  • APRs as low as 4.99%
  • Searching has no impact on your credit score

Here’s how it works


Search and compare

Complete a simple form and Fiona will search personalized offers from many of the top providers.


Get matched

Based on the info you provide and your creditworthiness, Fiona will match you with the right offer.


Close the deal

Find the lender of your choice, finalize on their site and start reaping the benefits of your personal loan.

Have questions about personal loans? Get the answers.

How do personal loans work?

A personal loan lets people borrow money for a set timeframe (known as the loan term), and pay it back in even monthly payments. It is an unsecured loan, meaning there is no asset/property that can be reclaimed by the lender (as with a mortgage or car loan). Most people use these loans to pay off expenses, such as credit card debt. Taking out a personal loan can be an opportunity to get a lower monthly payment or a lower interest rate or annual percentage rate.
Unlike some loans that take into account down payments or collateral, a personal loan’s APR (annual percentage rate) is based solely on the borrower’s credit history and their credit score. Some services like Credit Karma now allow you to check your credit score for free prior to applying for a loan, without affecting your credit score.

What can I use a personal loan for?

Personal loans can be used for many purposes. A personal loan can be used for debt consolidation and for lowering an interest rate that’s too high. This means that taking out a large loan amount could help you pay off a credit card with a high Annual Percentage Rate. If you don’t want to put a vacation or honeymoon on your credit card, a personal loan could help you pay less if you qualify for a lower interest rate.
If you’re moving to a new city and you have the income to manage monthly payments on a personal loan, it could be a good way to go. You can also use a personal loan for home improvement, or most other personal expenses.

Can I get a personal loan directly from Earnest?

To better serve the education financing needs of our clients, we’ve decided that partnering with Fiona will be the best way to help those who are looking for personal loans. If you have a question about an existing Earnest personal loan, you can visit our Help Center for support.

If I currently have a personal loan with Earnest, does anything change for me?

If you had a loan before the Fiona partnership, don’t worry. Your loan amount, monthly payment, interest rate, loan term, access to AutoPay, and any other details will not change. You can visit our Help Center if you have any questions about your personal loan.

Earnest personal loans did not charge an origination fee. Does Fiona?

Fiona is a marketplace, so while Fiona does not charge any origination fees, some of the lenders you’ll see on Fiona may. When you go use Fiona’s search tool, it will search a list of partners to show you several loan options. These options may have different interest rates and some may charge a loan origination fee. (An origination fee is essentially a processing fee that some lenders charge).

Is it better to refinance my credit card debt or take out a personal loan?

That depends on your specific situation, such as your credit score, if you’ve been keeping up with your current loan payments or credit card payments, and your credit history – among others. Refinancing can reward you for making sound financial decisions and making your loan payments on time. A personal loan is a new loan that you can use for personal expenses, such as paying off old debt, auto loans, or even paying for your wedding.

Do I need excellent credit to apply for a personal loan?

Because Fiona works with different types of lenders, such as credit unions, it can offer personal loans to those with different credit profiles. While having good credit can give you more options, you can still look for the best personal loans on Fiona or another private loan provider, even if your credit score is low. You may have higher interest rates if your credit score is low, however, with Fiona you’ll be able to choose from different loan options and select the best rate for you.
As you continue to make loan payments, it is very likely that your credit report will show changes in a positive direction over the loan repayment term. Many factors can impact your credit score, such as your credit usage, any high-interest credit card debt and other factors.

What is the difference between a secured and an unsecured personal loan?

With a secured personal loan, you usually need to put up collateral on the loan amount. An unsecured personal loan means you don’t need collateral for the financial institution (whether it’s a bank, an online lender or a credit union).

Do I need collateral to search for a personal loan on Fiona?

Fiona features loan options that do not require a collateral. The amount of the loan you can get will depend on several factors, depending on the loan terms and the specific lender you choose.

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