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Explanation of Rates “With Autopay”

Rates shown include 0.25% interest rate reduction where client agrees to make monthly payments by automatic electronic payment. Use of autopay is not required to receive an Earnest loan.

Client Testimonials

Individuals portrayed as Earnest clients on this site are actual clients and were compensated for their participation.

9-month grace period

Nine-month grace period is not available for borrowers who choose the Principal and Interest Repayment plan while in school.

No fees

Loan fees: Earnest does not charge fees for origination, late payments, or prepayments. Florida Stamp Tax: For Florida Residents, a Florida documentary stamp tax is required by law, calculated as $0.35 for each $100 (or portion thereof) of the principal loan amount, the amount of which is provided in the Final Disclosure. Lender will add the stamp tax to the principal loan amount. The full amount will be paid directly to the Florida Department of Revenue. Certificate of Registration No. 78-8016373916-1.