An Exclusive Offer for Earnest Friends & Family
A $200 bonus when you refinance student loans with Earnest
See why clients love Earnest. Variable rates start at 2.14% APR and fixed rates start at 3.45% APR (including 0.25% Auto Pay discount). Get your rate estimate without affecting your credit score.2 Min: Get My Rate
Four reasons why people choose Earnest
Lower rates through better data
We use data other lenders don’t—like your savings patterns, investments, and career trajectory—to give you the rate you deserve.
Expert in-house service
Our industry-best Client Happiness team is available via call, text or email.
More savings through custom terms
Use our Precision Pricing™ tool to save extra cash. Pick the right payment, rate, and term for your budget.
Quick and seamless experience
Apply online, then manage your account payment preferences with our intuitive dashboard.