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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.