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PERSONAL LOANS

Get the cash to carpe diem

We offer low-cost, zero-fee personal loans for debt consolidation and important life expenses. Fixed rates start at 6.99% for loan amounts from $5K-$75K.
2 Min: Get My Rate

Radical repayment flexibility for your loan

PAYING OFF YOUR PERSONAL LOAN IS EASY WITH OUR DASHBOARD

  • Choose your preferred monthly payment
  • Increase your payment amount anytime

  • Make extra or early payments without fees
  • No origination fees or anything-else fees

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An experience designed for savings & satisfaction at every step

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loan decision earnest

FAIR APPLICATION

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.

QUICK DECISION

You will receive a prompt response to your personal loan application. Read our eligibility guide for more on how we evaluate your application.

HUMAN SERVICE

You'll always reach a real human, whether you're seeking answers by email or phone.

loan application earnest

FAIR APPLICATION

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.

loan decision earnest

QUICK DECISION

You will receive a prompt response to your personal loan application. Read our eligibility guide for more on how we evaluate your application.

HUMAN SERVICE

You'll always reach a real human, whether you're seeking answers by email or phone.

Personal loans the new-fashioned way

BETTER RATES THROUGH BETTER DATA ANALYSIS

Our data-driven evaluation of your full financial profile (aka not just your credit score) gives us the ability to offer qualified borrowers lower, more personalized rates than traditional lenders can.

How it works
Illustration of an example financial profile

“The combination of an easy online application with just enough human contact when it was needed. Never had to wait on hold and there has been very little unnecessary back-and-forth.”

JORDAN PRESNICK, $5,300 LOAN

Preview Your Personal Loan Options

The chart below displays the range of loan options for APR (annual percentage rate), monthly payments, and total payments based on a hypothetical $10,000 loan amount. 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 6.99% - 14.24% 36 $302 - $343 $10,872 - $12,348
4 Years None 7.49% - 16.24% 48 $242 - $285 $11,616 - $13,680
5 Years None 9.49% - 18.24% 60 $210 - $255 $12,600 - $15,300

Get acquainted with personal loans

We’ve put together a library of essential articles to help you understand personal loans. And keep an eye out—we’re always adding more.

Browse Resource Library

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Personal Loans 101

How do personal loans work?

Simply put, 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 a unsecured loan, meaning there is no asset/property that can be reclaimed by the lender (as with a mortgage or car loan).

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. Some services like Credit Karma now allow you to check your credit report for free prior to applying for a loan, without affecting your credit score.

Earnest Personal Loans Reviews

SEE WHAT OUR CLIENTS HAVE TO SAY

4.93/5 ( 15 reviews )

Quick and easy

After I put my application in, I was approved the next day. I am happy with the interest rate I got also. I recommend this company.

Venda G. - Everett, WA
Debt Consolidation

Great experience

Using Earnest was a great choice. They got back to me quickly and provided me with a very good interest rate. I would definitely recommend.

Tara P. - Putnam Valley, NY
Credit Card Consolidation

Excellent service -- funding met in 48 hrs!

Super easy, super fast, & and an excellent team. Only improvement I can think of is the consumer dream -- lower rates, longer terms, etc. Thank you!

Patrick R. - Granger, IN
Home Improvement
See more reviews

Reviews solicited from random sample of Earnest clients since July 2017. All responses are published here in full. No compensation was provided in exchange for reviews.

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