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Earnest Review

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Reviews 5,565

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Sarah Badani
Sarah Badani
Feb. 17, 20224 min read

Earnest summary

Earnest is a well-known lender that helps people out with personal loans, refinancing, and loan consolidation. Recently, this popular financing option launched the newest branch of its lending program, private student loans, and it has been well received across the board. Earnest private loans provide a 9-month grace period for repayments, no fees, and plenty of repayment options. Check out what else Earnest has to offer.

Pros

  • 9-month grace period
  • No fees structure
  • Skip a payment every year

Cons

  • Full deferment not available in all states
  • Minimum loan amount in some states
  • Only 4-year Title IV institution enrollees are eligible
Earnest at a glance
4.4

Editorial score

Online experience

Has learning resources, access to rates, mobile app

5.0

Customer services and support

Multiple ways of reaching lender but limited hours

3.0

Repayment flexibility

Offers flexible repayment plans & the option for special repayment programs

5.0

Eligibility

Doesn't cover bad credit, low income borrowers

4.0

Variety of Loan Types

Offers all loan types

5.0

Overview

Offering an array of financial assistance including credit card consolidation, home improvement loans, medical bill loans, student refinancing, and now private student loans, Earnest is a good place to turn if you need a little help with funding the various stages of life. Earnest has a great reputation, and that's a great way to kick off a lender-borrower relationship. A quick glance around the internet will yield positive results with glowing reviews from real users and an excellent 5-star rating from Trustpilot.

Here’s a peek at Earnest’s CEO featured on CNBC’s Mad Money explaining a bit more about Earnest:

Suitable For?

Earnest benefits students who have exhausted their federal loan options and are looking for more financial assistance. The program particularly favors borrowers signing up with a co-signer as well.

Loan Features

Earnest is favored for its flexible personal loans and student refinancing programs, and from what we’ve seen, its private student loans are no different. You can get up to 100% of your cost of attendance covered by the loan, there’s an auto-pay discount, and Earnest even has a 5-second pre-approval process. Here are some of the main features that Earnest boasts over the competition:

  • No fees structure

Earnest makes it simpler for students on a budget by cutting out some of the most common fees involved in student loans. You’ll pay zero fees for origination, disbursement, and even late payments. Plus, you won’t pay any prepayment penalties for repaying your debt off early.

  • Skip a payment annually

Once a year, Earnest lets borrowers skip a monthly payment, assuming you’re in good standing with your regular payments. This is incredibly generous and not something you’ll find with other lenders.

  • Client Happiness team

This is Earnest’s customer service (which we’ll cover below), but how could you not love a brand that calls its customer support Client Happiness team?

The Application Process

Earnest offers a fast online application process and a pre-application checklist. Here’s how it works:

  • You can quickly check your eligibility before you even get started. All you need to complete this form is your school of attendance and an approximate credit score ranking. This is quite simple compared to what some lenders require you to fill out.
  • To continue the process, you can fill out the easy online application form. This includes info on your finances and any information about your co-signer if you’re using one.
  • Next, you’ll receive approval along with loan offers. If you like what you see, you can choose your repayment terms, and complete the application process.
  • Then, recieve your money! Once your school verifies your given information, you’ll be transferred the loan money shortly thereafter.

Earnest encourages students to sign up with a co-signer. In fact, Earnest even makes things easier for the ones co-signing the loan by offering a separate account for co-signers to track loan progress and fast service.

Eligibility Requirements

Earnest has pretty straightforward eligibility requirements. Here are the criteria you’ll need to meet to get approved for a private student loan from this lender:

  • You must be a legal US citizen or permanent resident.
  • You must be attending or enrolled to attend full time at one of the participating Title IV institutions.
  • You must be currently living in Washington DC or one of the states where Earnest is permitted to distribute funds.
  • You must be of legal age within the state of residence.
  • You must have a credit score of 650 or higher.

Earnest is available in all states except the following:

ArkansasNew Hampshire
ConnecticutNevada
DelawareOhio
IllinoisTexas
HawaiiVirginia
Kentucky

Loan Rates

Earnest interest rates are set based on your credit history, loan amount, and other factors. But Earnest is known for having low rates on all its financial aid products, so you can expect to get reasonable private student loan APRs as well. Signing up with a co-signer may entitle you to a lower interest rate, so bear that in mind when applying. If you sign up for autopay, you also get an automatic 0.25% discount. If you opt to apply for autopay, you can expect a meaningful discount, with rates as low as 1.34% - 11.44%.

Repayment Terms

Earnest offers students 4 different repayment plans to choose from:

  • Total deferment: This repayment plan allows you to push off all payments of your private student loan until after you’ve completed your schooling or until the end of your grace period. This option is not recommended since it means you’ll end up paying the most. Total deferment is not available in all states.
  • Fixed payments: This option allows you to make a fixed monthly payment of $25 toward your loan while you are still in school. This will reduce the overall amount of your loan that needs to be repaid once you get out of school.
  • Interest-only payments: Interest-only repayment plans let you pay off just the accruing interest each month. This is another great way of staying ahead of your student loan, so you aren’t left with massive debt when your schooling is completed.
  • Full repayment: Finally, Earnest offers students full principal and interest payments. This is a great option if you can afford it because it will reduce the overall cost of your loan (since you’ll be paying off the loan faster, thereby accruing less interest over time).

As mentioned previously, you can also skip one payment annually.

How Safe is It?

All data shared and stored on the Earnest website is secured using industry-standard SSL technology. Some security measures in place include firewalls, multi-factor authentication, and private subnets. Plus, Earnest never sells any information.

Customer Service

Earnest has customer service that it calls the Client Happiness team. You can reach out to this friendly and helpful support staff via email or phone during normal business hours: Monday through Friday 8am to 5pm PT.

How Earnest Compares


EarnestLaurel Road
APR1.34% - 11.44%
4.11%
Credit score650650
Loan amountUp to 100% COA$5,000-total COA
Accepts co-signersYesYes
Suitable forStudents with a cosignerStudents in eligible schools and degrees

Summary

Earnest is a user-friendly, feature-rich option for private student loans. With a 9-month grace period, flexible repayment terms, and even an annual payment skip, you can get the most out of the student loans. Plus, Earnest has some of the friendliest customer service around, covers up to 100% of your cost of attendance, and encourages co-signers. Needless to say, Earnest private student loans come highly recommended.

Disclaimers

Interest Rate Disclosure

Actual rate and available repayment terms will vary based on your income. Fixed rates range from 3.49% APR to 13.03% APR (excludes 0.25% Auto Pay discount). Variable rates range from 1.59% APR to 11.69% APR (excludes 0.25% Auto Pay discount). Earnest variable interest rate student loan refinance loans are based on a publicly available index, the 30-day Average Secured Overnight Financing Rate (SOFR) published by the Federal Reserve Bank of New York. The variable rate is based on the rate published on the 25th day, or the next business day, of the preceding calendar month, rounded to the nearest hundredth of a percent. The rate will not increase more than once per month. Although the rate will vary after you are approved, it will never exceed 36% (the maximum allowable for this loan). Please note, Earnest Private Student Loans are not available in Nevada. Our lowest rates are only available for our most credit qualified borrowers and contain our .25% auto pay discount from a checking or savings account. It is important to note that the 0.25% Auto Pay discount is not available while loan payments are deferred.

Sarah Badani
Written bySarah Badani

Sarah Badani has extensive research and review experience in the finance industry. With a degree in psychology and education, she brings a level of depth and understanding to her writing along with her own flavor to spice up each topic in a unique and inviting way. She writes for BestMoney and enjoys helping readers make sense of the options on the market.‎

Earnest
Earnest
ExcellentReviews 5,565
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Trustpilot reviews

See what some costumers are saying about Earnest
Earnest
ExcellentReviews 5,565
on
Excellent
85%
Great
9%
Average
2%
Poor
1%
Bad
3%
  • author
    DG
    9 hours ago
    Fast and easy service

    Fast and easy service, helpful with answers. Easy to navigate process

    ...

  • author
    Kristina
    a day ago
    Quick and helpful

    The process was quicker than expected! The call staff was also extremely helpful and courteous. They made me feel cared for while arranging for my student loan. Thank you!

    ...

  • author
    Joy
    2 days ago
    Gave me the lowest interest rate for my…

    Gave me the lowest interest rate for my student loans compared to other lenders.

    ...

  • author
    Daniela
    3 days ago
    Would Recommend

    I needed student loans at the very last minute and earnest saved the day. I plan on paying off my loan in two years and I am glad earnest has no early pay penalty and their interest rate was very competitive and the agents on the phone were extremely helpful and efficient.

    ...

  • author
    Guest George.
    3 days ago
    Very satisfied quick approval of loan…

    Very satisfied quick approval of loan again very satisfied thank you.

    ...

  • author
    Yash harishbhai Zala
    4 days ago
    Good and quick response.

    Good and quick response.

    ...

  • author
    Mel
    Sep 30, 2022
    Earnest gave me great interest rates!

    Earnest gave me great interest rates and helped lower my monthly payments! I was previously using Sallie Mae as my loan servicer and their rates and payments were too high and would not work with me to refinance or consolidate the loans. With Earnest, I was able to transfer my loans for a better payment plan. It was so easy to do and they were very quick about the application, the approval, and setting up the payments!

    ...

  • author
    Jeffrey Speiden
    Sep 29, 2022
    Overall a positive experience and…

    Overall a positive experience and outcome, though there was was unnecessary confusion in the process, where one of your staff would say "we got all your documents" then another of your staff would say "we're still waiting on your documents" - so making sure all staff involved are communicating with eachother will help.

    ...

  • author
    brodie zacherl
    Sep 29, 2022
    I believe that the process of refinancing with Earnest is what people that don't want to jump through hoops and complete the process in a timely manner is a great option.

    I believe that the process of refiancing with earnest was more simplified and descriptive on the information that i needed to have on hand and the routes of avenue to obtain them from my sallie mae account. I was able to find the needed information quickly with the help and with other companies it required follow up calls with agents that seemed to confuse the process for me. After my experience with earnest I would recommend most people to go through them for their refiancing options.

    ...

  • author
    William Cottrell
    Sep 28, 2022
    Earnest alleviated a huge burden

    Earnest alleviated a huge burden, and much worry, by consolidating my various private student loans and giving me a competitive fixed interest rate. Also, Earnest made the process straightforward, not awfully time consuming, and relatively painless. I appreciate Earnest.

    ...

  • author
    Emia Twymon
    Sep 26, 2022
    My experience with Earnest was great

    My experience with Earnest was great! I received a courtesy call on things needed to complete the process. The turn around time for approval and dispersement of funds was fairly quick. I would definitely recommend them to others.

    ...

  • author
    Barry Allen
    Sep 23, 2022
    Everything has gone well

    Everything has gone well. Waiting on school approval.

    ...

  • author
    Clay Worsham
    Sep 20, 2022
    Easy and painless

    The application process was simple. Results were returned in a matter of a few minutes. The website is fast and easy, we'll use Earnest for all out student borrowing needs.

    ...

  • author
    Amanda
    Sep 20, 2022
    Esh. Could be better

    People are okay but they take forever on purpose not to give a promotional offer

    ...

  • author
    customer
    Sep 20, 2022
    Earnest, but unreliable

    Earnest has a snappy, professional image, with a polished UI and expertly marketed branding, but behind this is a mediocre financial institution with sub-par support and if you're not careful they can slow-walk you into a a bad deal or away from other good opportunities. I applied to refinance my federal student loans online and was presented with a "pre-approved" quoted interest rate. The rate and terms were good, so I submitted all of the required supporting document and my account was opened. I was then instructed to obtain the "payoff" amount from my previous loan servicer, and as I was getting that I got an emailed update telling me that my interest rate had been increased nearly 2% so that it was now higher than the original interest rate. There was nothing missing from my supporting documents, and all of them confirmed what I had already disclosed in my application - I was never given any reason or explanation why my rate increased so dramatically and my expectation is that if the terms of the deal would be changing materially (such as a higher interest rate) that should be disclosed BEFORE an account is opened. I couldn't get anyone to respond or speak to me at all regarding my application, so I was forced to go elsewhere to refinance my loans - and fortunately I found an even better rate with a different company.

    ...

  • author
    Elizabeth Thompson
    Sep 16, 2022
    Service was fast and efficient

    Service was fast and efficient. As a non-traditional student having private loans is essential for me. So having the ability to have flexible payments was also a win!

    ...

  • author
    Noreen Mcconnell
    Sep 16, 2022
    Very quick response wow

    Very quick response wow, never have I had the quickest response. Customer service is excellent as well. Fast easy and wonderful people.

    ...

  • author
    LBSD
    Sep 15, 2022
    The representative was very helpful I…

    The representative was very helpful I would rate him. 5 on professionalism and timely responses. I am rating your company a 4 as I believe the rate and terms to be in excess given my credit rating.

    ...

  • author
    Chris
    Sep 15, 2022
    Easy online application

    Easy online application , no different from the others really but the rate that Earnest offered me was the winner

    ...

  • author
    Stephanie Denton
    Sep 15, 2022
    The whole process was incredibly simple…

    The whole process was incredibly simple and the representative I spoke with walked me through each step. Couldn't have been easier.

    ...

  • author
    Abigail Hernandez
    Sep 15, 2022
    Going back to school later in life….

    As an older student going back to college it has been really difficult finding a loan to help pay for living expenses. After moving 1400 miles away from home this was a really overwhelming and daunting experience. I am so thankful to earnest for making a way for me to now finish this semester without worry or financial stress!!!

    ...

  • author
    Stephen Gorman
    Sep 14, 2022
    Very easy to navigate with very quick…

    Very easy to navigate with very quick response

    ...

  • author
    Kelle Staszak
    Sep 14, 2022
    Was very easy to file for the loan

    Was very easy to file for the loan, I had no issues and was kept in the loop via email every step of the way.

    ...

  • author
    GR
    Sep 14, 2022
    Excellent and knowledgeable service

    I called Earnest maybe 10 times across two days with questions on how to refinance my loan and I was answered promptly and with patience. Everyone was super helpful and knowledgeable save for one associate who didn't seem to know about the Earnest partnership with Juno but perhaps they were new. Even then they were able to find me the answer I needed with just some time on hold. Highly recommend Earnest!! I had both my initial students with them as well and am glad I get to keep them as a refinancer.

    ...

  • author
    Mary Brown
    Sep 14, 2022
    Wonderful experience with Earnest!

    I’ve had a wonderful experience with Earnest. The application process was quick and easy to understand and went through the same day. Would definitely recommend them to any student looking for a loan.

    ...

  • author
    Manfred Obi
    Sep 14, 2022
    Fairly great to follow

    Fairly great to follow

    ...

  • author
    Rahmah Allen
    Sep 13, 2022
    Great service quock response time.

    This experience was awesome and quick. I appreciate the great service.

    ...

  • author
    Quincy Davis
    Sep 13, 2022
    Excellent

    Good on time help.

    ...

  • author
    Bettina Montano
    Sep 13, 2022
    Great support in the application…

    Great support in the application process! Thank you

    ...

  • author
    Mari
    Sep 10, 2022
    Incredibly easy process from start to…

    Incredibly easy process from start to finish. Didn’t feel any stress

    ...

  • author
    JL
    Sep 09, 2022
    The response to my loan application was…a wonderful experience!

    The response to my loan application was swift. I mean literally within seconds there was an approval email in my inbox. I was truly surprised because I was expecting a long drawn out experience. It doesn’t get any easier than that. Thank you Earnest team. I look forward to a positive lending experience.

    ...

  • author
    Todd Weston
    Sep 08, 2022
    Quick and easy process

    Quick and easy process

    ...

  • author
    Kyle Huynh
    Sep 07, 2022
    Your outline for application was easy…

    Your outline for application was easy to follow.

    ...

  • author
    Daniel Carney
    Sep 07, 2022
    Refinancing with Earnest was a…

    Refinancing with Earnest was a surprisingly pleasant experience. The online user interface worked flawlessly and when I reached out to a customer service person they were professional, knowledgable, and followed through with their obligations.

    ...

  • author
    Ronald Koziarz
    Sep 06, 2022
    Good Luck at School Ron

    I had some problems with the application, but it all worked out. I don't know if it was my old computer or something else, as long as my Grand Son got his loan, I am OK with it.

    ...

  • author
    elma mustajbegovic
    Sep 05, 2022
    Iz was super easy and convenient!

    Iz was super easy and convenient!

    ...

  • author
    Zuu Mckenzie
    Sep 05, 2022
    I love how quick Earnest was

    I love how quick Earnest was. I am 2 weeks into school and I can't register for classes and pay my dorm deposit until I either pay my bill in full or take a loan out. Earnest made this process so much easier than I thought and within almost a week I get to start my 2nd year in college and pay my deposit to dorm. Thankyou Earnest

    ...

  • author
    Seokkwon Jang
    Sep 05, 2022
    Provide a direction well prepared for…

    Provide a direction well prepared for customers.

    ...

  • author
    Jacqueline Mastrelli
    Sep 04, 2022
    So easy

    So easy. It was a gift to get funds so easily while in the stressful period of preparing for college. Thanks for that.

    ...

  • author
    Andre Holland
    Sep 04, 2022
    Keep up the good work

    Keep up the good work

    ...

  • author
    Heather Acton
    Sep 03, 2022
    Very quick and painless!

    Very quick and painless! Great rates too.

    ...

  • author
    Kendyl Johnson
    Sep 03, 2022
    I wish it could’ve been sent earlier…

    I wish it could’ve been sent earlier but overall was an easy process

    ...

  • author
    Ira Johnson
    Sep 03, 2022
    Impressed

    I have never heard of your company, but happy that a friend referred us to you. It's been a pleasure. Thanks for giving us the opportunity to experience your company.

    ...

  • author
    Kristyn Roessler
    Sep 03, 2022
    Easy Peasy

    Easiest loan experience we have ever had. So far so good.

    ...

  • author
    Lyndsey Guarino
    Sep 02, 2022
    Quick

    Quick, simple process. Easy to understand. Regular updates on the process. Great rates!

    ...

  • author
    Jeffrey Henning
    Sep 02, 2022
    Pretty good and painless to use…

    Pretty good and painless to use website. I wish you gave a daily interest accrual number for rates given but that’s just nit picking.

    ...

  • author
    Stephen Swartz
    Sep 02, 2022
    The process was made easy.

    The process was made easy.

    ...

  • author
    Wajid Munir
    Sep 02, 2022
    Excellent service

    Excellent service

    ...

  • author
    Quang Thai
    Sep 02, 2022
    Excellent service

    Excellent service

    ...

  • author
    Randall Cope
    Sep 01, 2022
    Easy to refinance

    Easy to refinance, would have liked a lower rate.

    ...

  • author
    Dawn Okuka
    Sep 01, 2022
    Refi of current Earnest loan

    Transition was easy and quick

    ...

  • author
    Bennett Moore
    Sep 01, 2022
    As thumb breakers go

    As thumb breakers go, Earnest loans have not been extremely thumb-breakey. I give them the highest rating I can in good conscience render to businesses of this type. 3 stars for my thumbs still being intact.

    ...

  • author
    Dannet
    Sep 01, 2022
    Excellent service and definitely will…

    Excellent service and definitely will use again.

    ...

  • author
    Ayesha Shaikh
    Sep 01, 2022
    Every step explanation

    Every step of the process was explained making things easier to understand.

    ...

  • author
    Jeffrey Hunkele
    Sep 01, 2022
    Great rate and an easy and fast process

    The loan process is a very confusing thing at first and we heard about Earnest through a friend. The rates were better and they gave us many options for paying it back. The only thing I would improve upon would be to allow the user to update the loan amount (lowered in our case) without having to start a new loan process.

    ...

  • author
    Emily Sample
    Sep 01, 2022
    The Earnest team was very responsive to…

    The Earnest team was very responsive to questions and the process was Very Easy!!

    ...

  • author
    Kim
    Sep 01, 2022
    I was new to the college loan concept…

    I was new to the college loan concept and process. Most companies sent advertising with no phone numbers. I was completely overwhelmed. When I called Earnest twice, they were SO knowledgeable and helpful. They also didn’t do that annoying thing where the repeat everything you say. When most rates are about the same, customer service stands out even more. I would never go anywhere else!!

    ...

  • author
    Michael Whitley
    Aug 31, 2022
    the website is easy to use and their…

    the website is easy to use and their response are fast

    ...

  • author
    Richard Johnson
    Aug 31, 2022
    I applied for more than I thought…

    I applied for more than I thought needed just to be safe. Speaking with an advisor from Ernest I was assured they would contact the University to see balance after grants and scholarships were applied and only send remaining balance. This statement by the Ernest advisor was wrong, they sent the University $4,000 more than the remaining balance for the semester. Now I have to pull the excess money and place it back on the loan through Ernest,

    ...

  • author
    Martha Emma
    Aug 31, 2022
    so easy

    With only two days left on my decision deadline to apply for the ParentPlus loan from the government, I was a little stressed about the high interest rate they were offering. I was referred by Juno to Earnest and the whole process was so easy! The application and decision were all done within 24 hours and the interest rate Earnest offered was way lower that the government loan. I am SO happy this was a choice and that we found them.

    ...

  • author
    Damon Daniel
    Aug 31, 2022
    Very quick approval and great rate.

    Very quick approval and great rate.

    ...

  • author
    Garry Silvesti
    Aug 30, 2022
    Process was quick and straightforward.

    Process was quick and straightforward.

    ...

  • author
    MJ MARKIEWICZ
    Aug 30, 2022
    Very simple loan application process

    Very simple loan application process. I received notice very quickly that my sons were approved. My only complaint is that I have 2 sons applying for loans at the same time and the emails I received after the loans were signed did not state which son’s loan was ready to go and which son’s loan was certified and which son’s loan was dispersed. All the emails before these last ones stated which son invited me to co-sign and which son’s loan was approved.

    ...

  • author
    Keith K
    Aug 30, 2022
    Easy process and quick results.

    Easy process and quick results.

    ...

  • author
    Sherry Haley
    Aug 30, 2022
    It was great and quick….I didn’t want…

    It was great and quick….I didn’t want to do another student loan, but they made it happen for my child to continue his education…Thank you again

    ...

  • author
    April Anderson
    Aug 30, 2022
    Simple online application

    Simple online application! Notified in a timely manner

    ...

  • author
    Caitlyn Kercado
    Aug 30, 2022
    The process was easy and quick!

    The process was easy and quick!

    ...

  • author
    Brett Olson
    Aug 30, 2022
    UK TO

    Great experience, easy process, quick response.

    ...

  • author
    Melissa
    Aug 29, 2022
    Great Experience!

    Great to deal with! As a first timer sending their child to college, you made it very easy to navigate as well as answer all of my many questions!

    ...

  • author
    Audrey Johnson
    Aug 29, 2022
    great customer service

    great customer service

    ...

  • author
    Dianne
    Aug 29, 2022
    An easy process

    This is such an easy process! Thank you for having such an amazing website - easy, fast, excellent communication.

    ...

  • author
    Chika
    Aug 27, 2022
    Organized Company

    I appreciate the effortless application process. It was very stress-free. The information provided sufficiently addressed all questions I had. I will not hesitate to call Earnest in the future.

    ...

  • author
    Maria Wise
    Aug 27, 2022
    This was the most stress free process…

    This was the most stress free process that I have ever experienced. The service is amazing and gave me the opportunity to apply for a loan without being stressed. Thank you for your support.

    ...

  • author
    Ninaaa
    Aug 27, 2022
    Simple & Fast

    Simple, easy, fast process; I needed a small graduate school loan @ the last minute, and Earnest did the job.

    ...

  • author
    Diana Appiah
    Aug 26, 2022
    I was soo pleased with how they waited…

    I was soo pleased with how they waited for me to get everything straight with my school before they proceeded. Thank You.

    ...

  • author
    Melissa Muriel
    Aug 26, 2022
    Hassle Free Process

    Very easy process to reapply for additional loan. The waiting period for loan acceptance was rapid. Loan payment was sent in record time. Very satisfied

    ...

  • author
    Matthew G.
    Aug 26, 2022
    Excellent experience

    From start to finish, excellent service. great communication.

    ...

  • author
    Peter Dres
    Aug 26, 2022
    It was overall good

    It was overall good, but the layout of the website needs work, need arrows everywhere not just when it’s more convenient to have them.

    ...

  • author
    Brandan
    Aug 26, 2022
    Very nice staff and quick response.

    Very nice staff and quick response.

    ...

  • author
    CS
    Aug 25, 2022
    So easy

    So easy! Thanks for making this process easy. So much better than dealing with Navient.

    ...

  • author
    Laura Powell
    Aug 25, 2022
    Always a great experience and the funds…

    Always a great experience and the funds are ready fast.

    ...

  • author
    Myles Powell
    Aug 25, 2022
    They are always there when I need them.

    They are always there when I need them.

    ...

  • author
    Michael Napolitano
    Aug 25, 2022
    Nervous parents.....

    They were patient and ready to answer all my questions

    ...

  • author
    Lawerence Donlin
    Aug 25, 2022
    Great experience with Earnest

    Great experience with Earnest. Easy to get a hold of and the whole process took like a week. Highly recommended. Competitive rates.

    ...

  • author
    Lori S.
    Aug 25, 2022
    Earnest-Top Notch for Student Loans

    Earnest is by far the best company to use for student loans. Everyone I spoke with was beyond helpful, patient, informative, and helped me navigate the process seamlessly and easily. They made me feel confident in my decision. The also matched the lowest rate I found and I will be paid 1% per f my loan for researching and finding a lower rate than they originally offered.

    ...

  • author
    Becca
    Aug 25, 2022
    Earnest is Honest-best company for students loans

    Customer service is as exceptional. Everyone I spoke with was knowledgeable, kind, and helped me navigate the process. They took their time to make sure all my needs were met. They also matched the rate I found with another company and will pay me 1% of the loan I took for doing my due diligence.

    ...

  • author
    Liya Yemaneberhane
    Aug 24, 2022
    Documentation upload was the only…

    Documentation upload was the only difficult part of this process as I was not informed what documents I was missing until I directly asked because my loan request was not progressing. Other than that lay out is simple and things are quick and easy to understand!

    ...

  • author
    Alison Ferreri
    Aug 24, 2022
    Did not understand when loans will be…

    Did not understand when loans will be released to school

    ...

  • author
    vikhyat reddy sanapureddy
    Aug 24, 2022
    The process was pretty fast and simple.

    The process was pretty fast and simple.

    ...

  • author
    Rosalie S
    Aug 24, 2022
    Quick And Easy

    I was in a pinch and realized I needed more money for my daughters tuition than expected. Earnest was quick and easy for my daughter to apply for a student loan and made co-signing very easy. Everything was linked for us. I was updated every step of the way. The whole process took about 2 weeks and the school had the money in my child’s account and paid for.

    ...

  • author
    Jennife
    Aug 24, 2022
    Very quick and easy

    Very quick and easy

    ...

  • author
    Tequioya
    Aug 24, 2022
    Quick decision

    Quick decision. Quick processing and response. Great rates. Great people. Great company. No complaints.

    ...

  • author
    Vicki Peters
    Aug 24, 2022
    Personally, Thank you Hailey and Team Earnest!

    Personally, I can't thank Haley and team enough for working with me as a cosigner for my grandson's student loan. our problem was not any fault of anyone but Rosemont college. Hailey and team were available every step of the way in a most professional, knowledgeable, and pleasant way. Thank you for making a very stressful situation easy to deal with in order to gain certification for the past semester. We know we made the right decision by using Earnest!

    ...

  • author
    Jennifer Clermont Kuzma
    Aug 24, 2022
    Quick, Easy & Good customer service

    Super easy to navigate!

    ...

  • author
    Customer
    Aug 24, 2022
    The process was clear and…

    The process was clear and straightforward. It made the stressful experience stress free.

    ...

  • author
    Gilbert Caicedo
    Aug 24, 2022
    Your interest rates are the lowest I…

    Your interest rates are the lowest I could find yet they managed to stay above 6% unless I was willing to drop mad money. And when I tried to figure out a way to lower the interest there was no one and nothing to help

    ...

  • author
    Selvesta Miller
    Aug 24, 2022
    Great Experience

    Made it easy to apply for a college student loan. Easy to contact and talk with an actual person.

    ...

  • author
    Paul Carlson
    Aug 23, 2022
    Very easy and user friendly platform.

    Very easy and user friendly platform.

    ...

  • author
    Aidan Reno
    Aug 23, 2022
    Great experience

    Great experience, customer service was super helpful

    ...

  • author
    Felix Akinbote
    Aug 23, 2022
    Application given immediate attention

    The attention given to the loan application was excellent and exemplary. The above 4 Starts in my opinion imply my rating is excellent. I say 'thank you'.

    ...

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