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Earnest Student Loan Refinancing Reviews
4.82/5 ( 208 reviews )
Earnest has helped thousands of grads pay less interest on their student loans. Refinancing also helps people simplify their bills and customize their payment plan to fit their needs. Check your rate estimate in 2min without affecting your credit score. Learn More
Sep 5, 2018
Best loan transfer ever
Honestly the most best experience ever for a refinance of a federal parent plus loan in my time. I've done 3 of them so I have all kinds of personal experience and i wouldn't recommend you going anywhere else but EARNEST!!!!!! THAT'S THE TRUTH...Hands down.
Harrisburg Area Community College-Harrisburg, Associates
Sep 5, 2018
Saved me a lot of money
Application process was straightforward and quick. Had a little trouble submitting the correct tax documents but it was well worth the effort as Earnest saved me many thousands of dollars over my previous student loan.
Whittier College, JD
Sep 5, 2018
Extremely easy and efficient
I have been trying to refinance my student loans for a few months now, finding it quite difficult because of the approval process. With Earnest, it took all but a few minutes and I was approved. The customer service is probably the most friendly customer service I have ever dealt with. I would definitely give this company a shot if I was looking to refinance student loans.
From credit card consolidation to wedding costs, an Earnest Personal Loan helps people afford major expenses, with minimal interest. Through innovative analysis of an applicant’s creditworthiness, Earnest is able to offer more fair, customized rates than traditional lenders. Learn More
Aug 30, 2018
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.
Aug 18, 2018
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.
Credit Card Consolidation
Jul 1, 2018
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!
Rates shown include 0.25% APR reduction when client agrees to make monthly principal and interest payments by automatic electronic payment. Use of autopay is not required to receive an Earnest loan.
Explanation of Precision Pricing™ Savings
Savings calculations are based on refinancing $121,825 in student loans at an existing loan servicer’s interest rate of 7.5% fixed APR with 10 years, 6 months remaining on the loan term. The other lender’s savings and APR (light green line) represent what would happen if those loans were refinanced at the other lender’s best fixed APRs. The Earnest savings and APR (white line) represent refinancing those loans at Earnest’s best fixed APRs.
Savings is computed as the difference between the future scheduled payments on the existing loans and payments on new Earnest and “other lender” loans. The calculation assumes on-time loan payments, no change in interest rates, and no prepayment of loans.
Individuals portrayed as Earnest clients on this site are actual clients and were compensated for their participation.