After receiving an outrageous rate from Sallie Mae that they gave us without doing an actual credit check, we were so relieved when Earnest came through with a fair and reasonable rate. Student loans... See more
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Review summary
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What people talk about most
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My goal was to get the interest and constantly changing payments through the federal student loan under control. You have done that. My payment doesn't change, and I actually have a definitive payof... See more
I was getting denied everywhere and I really needed a loan since my brother has not been paying his educational loans for 7 years and my mom could no longer cosign. My dad straight up said no to me wi... See more
Ernest is only one of two entities listed as working with the University of Edinburgh. Sally Mae was the other one. Comparing cost of loan over life of the loan, with interest, Ernest was about $30,00... See more
Company details
Information provided by various external sources
Earnest is an online lender that looks beyond a simple credit score to offer the lowest possible interest rates on student loan refinancing and personal loans. Earnest determines if someone is financially responsible by looking at thousands of data points including saving patterns, 401k investments, career growth potential, and employment history. Earnest offers a quick and easy application process online to learn about a potential client’s education and employment history and see if they are a good fit. The client dashboard makes it easy to pay off loans. Clients can tailor their loan term, minimum monthly payment, set up bi-weekly payments, make extra payments, and skip a payment and make it up later. The Earnest Client Happiness team strives every day to take the borrowing experience from robotic, to one that recognizes people as individuals. The team hears client’s stories all day and uses those to shape the future of the company. They work one on one with clients to address their questions or concerns until the issue is resolved. Earnest isn't content with providing reactive support, they push themselves to be proactive to make the borrowing process easier for their clients. If you want to help Earnest be proactive, leave a review! If you are having issues please reach out to customer service to get help.
Earnest
Written by the company
- Earnest is committed to providing the lowest possible rate to our clients.
- Earnest works every day to assure that clients get the lowest rate possible on their loan. Earnest data scientist, engineers, and designers use technology to bring the most savings possible to people with debt. The company uses precision pricing to find the sweet spot between what clients should be paying in interest and what they can afford. Visit earnest.com to get your low rate!
Contact info
303 2nd St, Suite 401N, 94107, San Francisco , United States
- (888) 601-2801
- earnest.com
4.6
Excellent
9K reviews
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It was the lowest rate but the UI/UX…
It was the lowest rate but the UI/UX for the site is basic/clunky. It was hard to see the important information to ensure I was not only picking the right loan, but also to get status on interest paid in total, etc when you do have the loan. It is mostly there, just hard to get to and shouldn't require clicks to see it.
7 September 2026
Reply from Earnest
Thank you for your review and feedback! We apologize for the less-than-exceptional experience. We have emailed you directly with more information.
The loan was easy to apply for
The loan was easy to apply for, a quick process and decision. Also the products and rates offered were competitive. The only item I would change is more frequent communication about he loan getting certified and applied to the school’s tuition. Thanks.
7 August 2026
Excellent!
Excellent service, easy to use, and Earnest made it so that I don't have to stress about how to pay for my final year of law school. THANK YOU!! I am forever grateful.
31 August 2026
Earnest was incredible
Earnest was incredible! Quick, efficient, respectful. I truly couldn't be happier with a loan company. After having a true nightmare with Sallie Mae, and being treated like dirt by them, Earnest was the most wonderful experience I could have ever had!
7 September 2026
Felt respected thru the process.
28 August 2026
Had WAY too many problems this time
Usually had an easy time. This time we had so many problems with the application, things getting sent via email, signing the the package etc. Took from a Wednesday to the next Friday to finish the application which also included 3, hour long phone calls with customer support. It was stressful and annoying and about 4 times I was ready to quit and go through a different loan company. Seriously debating on whether using Earnest again bc it was such a hassle. Very poor experience and very unsatisfied.
4 September 2026
Reply from Earnest
Thank you for your review and feedback! We apologize for the less-than-stellar application experience. We have emailed you directly with more information.
Great customer service!
27 August 2026
Very easy to use website and quick…
Very easy to use website and quick response times.
28 August 2026
Earnest fills an important role in the…
Earnest fills an important role in the education diaspora. It help ls thousands of students achieves their dreams. They are always courteous and professional.
I wish they improved their wen interface and online application process and get it rid of the bugs. This is my daughter’s 4th loan from Earnest and i have never been able to have a loan processes without getting an IT issue addressed by their customer care. So in the service industry i call it a 100% failure rate.
4 September 2026
Reply from Earnest
Thank you for your review and feedback! We apologize for the less-than-exceptional application experience. We have emailed you directly with more information.
Great knowledge
Customer representative answered all my questions which help me to determine the outcome of my loan.
28 August 2026
Very good experience
27 August 2026
Easy application process and good…
Easy application process and good communication throughout
27 August 2026
The application process was very simple…
The application process was very simple and easy to understand. I also received support from Bianca B., Application Specialist, who helped me a lot during the process. She was super helpful.
2 September 2026
Very helpful and quickly responsive.
2 September 2026
Was very helpful and kind
Was very helpful and kind. I was very grateful to get the loan so my great granddaughter can attend college semester. It
19 August 2026
Everything thing was done in order and…
Everything thing was done in order and they responded in a timely manner
2 September 2026
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