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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 5.49% for loan amounts from $5K-$75K.
Get Your Loan

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

earnest student loans mobile app

An experience designed for savings & satisfaction at every step

loan application earnest
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.

EXPERT IN-HOUSE SERVICE

Our expert Client Happiness team will personally handle any service questions or issues for the life of your loan, so don’t hesitate to ask.

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.

EXPERT IN-HOUSE SERVICE

Our expert Client Happiness team will personally handle any service questions or issues for the life of your loan, so don’t hesitate to ask.

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 5.49% - 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

4.91/5 (11)

Great support all the way

The suggestion to use Earnest was great
Thanks

William G. - Palm Springs, CA
Other

Super Easy

The application process is so easy. I've had two loans now with Earnest and highly recommend them.

Roy B. - Bourbonnais, IL
Home Improvement

Thorough Process and Great Service

Had an awesome experience with Earnest! I can now do something that I have always wanted to do at a payback rate that is reasonable. Everything is made transparent. It took about a week to get funded while they checked my documents and asked me questions. That shows they don’t loan to just anyone and they show you what you'll pay in interest when you're finalizing everything. No complaints so far and glad to have found this company! 100% recommend

Maura H. - Jamaica Plain, MA
Other

Personal, thorough, fair

Love doing business with Earnest. Would recommend to friends and family.

Marie L. - Ewing, NJ
Credit Card Consolidation

Good service but slow processing.

It took totally 14 working days to approve the loan. Other than the slow processing rest all very good.

Naveen Kumar G. - Boca Raton, Florida
Other

Good people.

Good people and Very helpful.

Elizabeth P. - Brooklyn, New York
Credit Card Consolidation

Thorough yet simple and always friendly and helpful.

Choosing to lend and not borrow, I was deeply in debt and I wanted to consolidate my credit cards and focus on getting becoming debt free. Earnest was thorough in obtaining information from me to verify I am credit worthy, yet it was such a simple process. I highly recommend using them to refinance your student loans or consolidate your debt. Every one is always very friendly and very helpful.

Julie J. - Victorville, California
Credit Card Consolidation

Smooth and easy.

Smooth and easy process.

Edward O. - Warrington, Pennsylvania
Credit Card Consolidation

Efficient and painless process!

Working with Earnest and their team to get my personal loan was a pleasure! They make the process very easy and I am happy with the service and loan that I received.

Samantha P. - Brighton, Michigan
Credit Card Consolidation

An open and honest way to get much needed funds.

Earnest keeps things real. Everything from the application to the agreement is user-friendly, open, and honest.

Kiara Z. - Cambridge, Massachusetts
Credit Card Consolidation

Showed me the money!!

Simple, easy and best of all...loaned me the money I requested :-)

Rick R. - Sammamish, Washington
Home Improvement
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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.