Earnest Review

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Reviews 4,592

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Sarah Badani
Sarah Badani
May. 03, 20214 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 1.04%.

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
APR1.04%
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.

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 4,592
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Trustpilot reviews

See what some costumers are saying about Earnest
Earnest
ExcellentReviews 4,592
on
Excellent
85%
Great
9%
Average
2%
Poor
1%
Bad
3%
  • author
    Christopher Keller
    19 hours ago
    So far so good

    So far, everything has gone exactly how I would want it to.

    ...

  • author
    JASMIN LOPEZ
    20 hours ago
    Rates are decent

    Rates are decent, however it took too long to pay off loan.

    ...

  • author
    Sanon Edmond
    a day ago
    Quick and great customer service!

    Quick and great customer service!

    ...

  • author
    Allan S
    a day ago
    Super easy process

    Super easy process. Competitive rates. What more can I say? Thanks!

    ...

  • author
    Susan Good
    2 days ago
    Great customer service!

    Great customer service -- prompt, excellent follow-through, fast and efficient document processing, plus an easy to use website!

    ...

  • author
    Ronald Manning
    2 days ago
    Love that I had all of my payment…

    Love that I had all of my payment option listed out and that the overall process was easy

    ...

  • author
    AW
    2 days ago
    Efficient process with a great refi…

    Efficient process with a great refi rate.

    ...

  • author
    Jennifer Mccarson
    2 days ago
    Good experience

    Good experience

    ...

  • author
    Lisa
    3 days ago
    Very easy to get you rate

    Very easy to get you rate wasn’t a great rate, but did cut the rate off. The people were very helpful and kind on the phone.

    ...

  • author
    Carlos Contreras
    3 days ago
    Application and service

    It was a pretty easy application and straight forward, the service was very good, the lady that answered me in the phone was very nice and helpful, I definitely recommended.

    ...

  • author
    CC
    3 days ago
    Process and Response time working good.

    the student loan process is not finalized yet but so far so good, we have no issues. the earnest team has been quite responsive and engage throughout the process.

    ...

  • author
    Luke Mellish
    3 days ago
    Refinancing with Earnest was very quick…

    Refinancing with Earnest was very quick and easy. They were able to offer a very low interest rate for a 5 year repayment. The whole process was excellent.

    ...

  • author
    Kevin Hall
    3 days ago
    Process was fast and easy.

    Process was fast and easy.

    ...

  • author
    Lisa Kucia
    4 days ago
    This experience was quick and easy

    This experience was quick and easy. I was extremely pleased with the process and the rate!

    ...

  • author
    Barbara Foley
    Oct 16, 2021
    Smooth and easy application process!

    Smooth and easy application process!

    ...

  • author
    samuel Gebrehiwot
    Oct 15, 2021
    Refinacing

    Excellent job for refinancing student loan

    ...

  • author
    Kelly Ann Gonzales
    Oct 15, 2021
    So easy to work with

    So easy to work with! So much better than when I tried to work with LendKey. LendKey's Customer Service team was wildly unhelpful. I got approved by Earnest in one fell swoop. CS team at Earnest is much better. Thanks, Earnest!

    ...

  • author
    Aparna Paul
    Oct 15, 2021
    The whole refinancing process was a…

    The whole refinancing process was a breeze. Help was readily available.

    ...

  • author
    Ryan Faust
    Oct 15, 2021
    DO NOT REFINANCE DURING PANDEMIC

    DO NOT REFINANCE DURING PANDEMIC. I refinanced my student loans during the pandemic thinking I would secure a great rate for when the interest free forbearance period ended. Earnest allowed me to refinance my loans without notifying me I was subject to interest payments after refinancing. I’m absolutely pissed they are taking advantage of people who decide to refinance. I will be seeking legal action for their blatant disregard for their customers.

    ...

  • author
    Daise Vieira
    Oct 15, 2021
    Love everything about dealing with you…

    Love everything about dealing with you guys at Earnest! You’ve saved me so much money and time without any additional fees! You’ll always be my go to! Too bad you guys don’t do physician mortgage loans! DaiseV

    ...

  • author
    Kevin McNamara
    Oct 15, 2021
    Fast, Flexible, and Efficient

    I cosigned a loan for my son and the process was fast, flexible, and efficient. EVERYONE should check Earnest for their student loan needs. The Earnest people we spoke with were also the kindest - it was like having Mrs. Doubtfire taking care of my son.

    ...

  • author
    Brady Peterlin
    Oct 14, 2021
    Excellent

    Excellent service s s easy to navigate

    ...

  • author
    Ryan Scott
    Oct 14, 2021
    Good rates

    Good rates, easy refinancing

    ...

  • author
    Anthony Z
    Oct 13, 2021
    It was very smooth

    It was very smooth, simple, and quick. I was very impressed with this company and rates. I am glad I chose Earnest.

    ...

  • author
    Lan Nguyen
    Oct 13, 2021
    Excellent customer service & support…

    Excellent customer service & support via text messages. Fast refinancing to lower interest rate

    ...

  • author
    Baxter Glaude
    Oct 13, 2021
    Good job!

    Ernest customer support was great when I needed them and they make everything convenient and easy!

    ...

  • author
    Rebecca A
    Oct 13, 2021
    Earnest is transparent and easy to use

    Earnest is transparent and easy to use. I love the feature where there’s a sliding scale to choose interest rate and monthly payment.

    ...

  • author
    Carlie S.
    Oct 13, 2021
    Easy experience to refinance my loans…

    Easy experience to refinance my loans without a cosigner and for a better rate than I previously had.

    ...

  • author
    Michael Wonsetler
    Oct 13, 2021
    Earnest will not waste your time!

    I’m 36 with a long term stable career in the IT field. I own several income producing rental properties. I wanted to refi a small 5k student loan. All the other lenders denied me and/or had higher rates requiring a cosigner even with a 750+ credit score. As a responsible adult with wife and kids who am I asking for a cosign? A very ridiculous and insulting requirement when I could easily get a loan for anything else. Earnest was the way to go! Approved without issue and a great rate to go with it. Do not waste your time with Sofi, Laurel Road, CommonBond, Citizens or Splash. Earnest approved me, beat their offers and did not jerk me around.

    ...

  • author
    Cidalia Murta
    Oct 13, 2021
    I was processing an application to…

    I was processing an application to refinance loan within Earnest and the agent I spoke with did not provide very clear instructions. I had to call again and speak with a food agent.

    ...

  • author
    SHELI GOODWIN
    Oct 13, 2021
    Earnest made refinancing simple.

    I had a loan with Earnest and thought I could likely get a lower interest rate. It was a very simple process to refinance this student loan. I got a quick response to my application and the turnaround for the whole process was quick and seamless. Highly recommend working with Earnest.

    ...

  • author
    John Thies
    Oct 12, 2021
    Great!

    Great! Quick and easy, as well as comprehensive.

    ...

  • author
    Ann Stichler
    Oct 12, 2021
    Recommend

    Fast and easy to work with. Five star service and satisfaction.

    ...

  • author
    Justin
    Oct 12, 2021
    The process was very simple

    The process was very simple and they gave a great rate compared to many others.

    ...

  • author
    Dana Jones
    Oct 12, 2021
    Earnest provided clear and easy…

    Earnest provided clear and easy instructions and online applications. This has provided me and my some peace of mind about school and paying for it as well as help to establish credit.

    ...

  • author
    Mel
    Oct 12, 2021
    Excellent service

    Excellent service. Easy and user friendly.

    ...

  • author
    Kristin W
    Oct 12, 2021
    The person that I spoke with was…

    The person that I spoke with was incredibly helpful and patient. All if my needs were met and all of my questions were answered.

    ...

  • author
    Lauren LaSanta
    Oct 09, 2021
    I recently refinances my student loans…

    I recently refinances my student loans with earnest and I thought the process was great. It was all done online and was very easy understand. I thought the approval process was much better than other companies and truly focused on helping people reduce their interest rates. The time for approval happened so fast which was great. I am so glad I found Earnest and refinanced with them.

    ...

  • author
    Lou Esgro
    Oct 09, 2021
    Agent very helpful and professional!

    Agent very helpful and professional!

    ...

  • author
    Ian Amen
    Oct 08, 2021
    Theirs loan had a quick and easy…

    Theirs loan had a quick and easy application. It also was fairly quick in funding.

    ...

  • author
    Tina
    Oct 08, 2021
    Easy peasy refi

    Student loan refi was processed seamlessly and with ease. Truly an easy experience and worth the results!

    ...

  • author
    Ben Mulford
    Oct 08, 2021
    Simple to Use

    Simple to Use Earnest is great! I was able to easily step through the process to see if their rates were competitive, then had the option to continue to actually take out a loan if I liked their terms. And then, I had the option to adjust the loan to a custom length of time based on my needs and payment. I was even able to spread this out over a few days, and each time it basically remembered where I was when I logged back in, so I did not have to completely start the entire process over again. The only thing I would change for the refi process is to provide a note/reminder that when getting a 10-day payoff amount from your current lender, to count business days, not calendar days as the process will take all of the ten days. In the end, it wasn't a big deal, and I was able to complete the entire process completely on line and did not have to contact anyone by phone (no time sitting on hold!) or email. Very convenient.

    ...

  • author
    Ian Hyzy
    Oct 08, 2021
    Low rates

    Low rates, easy to use

    ...

  • author
    Michael Bencivenga
    Oct 08, 2021
    Excellent service and great rates

    Excellent service and great rates

    ...

  • author
    David Koba
    Oct 08, 2021
    very easy to work with

    very easy to work with. Your process is extremely efficient. Thanks!

    ...

  • author
    King Thomas
    Oct 08, 2021
    Cool stuff really enjoying it

    Cool stuff really enjoying it

    ...

  • author
    Tyler Swanson
    Oct 07, 2021
    Student loans are theft.

    Student loans are theft.

    ...

  • author
    TyAsia Miller
    Oct 07, 2021
    love this game 100/10

    love this game 100/10

    ...

  • author
    Matthew De Jong
    Oct 07, 2021
    I wish earnest had an app for…

    I wish earnest had an app for IPhone/android. It would be more convenient to check my loan status that way.

    ...

  • author
    Pradip Shah
    Oct 06, 2021
    Excellent

    Excellent. Wish your server is more powerful. I had to wait for 15 minutes after clicking the submit button and then I was timed out.

    ...

  • author
    Tiffany Evans
    Oct 06, 2021
    Excellent Process

    The process with Earnest was smooth from beginning to end. Coordinating the application with my daughter was seamless and so quick. I really appreciate the frequent email communication from beginning to end.

    ...

  • author
    AnneMarie Laura
    Oct 06, 2021
    Quick easy and excellent response time!

    Quick easy and excellent response time!

    ...

  • author
    Kodie Warnell
    Oct 06, 2021
    10/10 would recommend

    The whole application process was very simple and I was able to customize my rate based on how much I could afford to pay each month. I am beyond satisfied and super thankful!

    ...

  • author
    Hannah C
    Oct 05, 2021
    Easy

    The ease of applying once - I had a pre-qualified offer from the mail. I could upload my documents during the application process - super easy. Got my terms and and could decide what work in my budget.

    ...

  • author
    Devon Rattray
    Oct 05, 2021
    Very good no problems

    Very good no problems

    ...

  • author
    Isabella Milosch
    Oct 05, 2021
    It was very efficient and made it super…

    It was very efficient and made it super helpful to get a loan so quickly

    ...

  • author
    Brian Fleming
    Oct 05, 2021
    It was fast and easy

    It was fast and easy. Everyone was very helpful and informative.

    ...

  • author
    M G
    Oct 05, 2021
    Highly recommended

    The application process is simple, the rates are great, and the support team is very responsive. Highly recommended.

    ...

  • author
    Princess Nylah
    Oct 05, 2021
    This is a great app

    This app was very helpful it go me robux for my Roblox account so you should use it

    ...

  • author
    Daniel Harold
    Oct 04, 2021
    You made the process so easy and can’t…

    You made the process so easy and can’t believe how much I’m saving.

    ...

  • author
    Sarah Figueroa
    Oct 04, 2021
    I was so nervous applying to refi my…

    I was so nervous applying to refi my school loans and Earnest made it so incredibly easy and clear, I knew my rate and results within seconds!! Great interface, wonderful communication and service, overall made the process easy and stress free. Highly recommend!

    ...

  • author
    Marissa Backstrand
    Oct 04, 2021
    Super easy process

    Super easy process. Couldn't have gone smoother!

    ...

  • author
    Katherine Hatlen
    Oct 04, 2021
    Make an app!

    This was such an easy process and well put together website that I’m simply baffled as to why there isn’t an app yet???

    ...

  • author
    Olga Arkhangelskaya
    Oct 03, 2021
    I've had a really good experience with…

    I've had a really good experience with refinancing of my private student loan with Earnest representatives. They were very responsive via email and phone and provided me with all of the answers to my questions in a timely manner. The representatives were very friendly with me and knowledgeable about the information that I was inquiring about making my experience stress-free, which I kindly appreciate. Thank you for such a wonderful service, keep up the great work! :)

    ...

  • author
    Monica M.
    Oct 03, 2021
    The best things about Earnest are it's…

    The best things about Earnest are it's super transparent and really easy. I knew I could probably get a better loan so I followed the clear path to find out what I was eligible for, picked what loan was best for me, got approved, and they did the rest. If I ever have questions the chat or email people are super helpful and never treat me like I am asking stupid questions. I consolidated my loans originally through Earnest and have refinanced my loan through Earnest twice now and every time I check to see what is available to me to make sure I still have a competitive deal on my loan Earnest is the best company to go through. Also, I set up autopay, get a discount on my loan for doing it, and never have to worry about my loan. They never send extra stuff in the mail, call, or pester me in any way. I wish I could do all of my financial stuff with them!

    ...

  • author
    John-Paul
    Oct 02, 2021
    Was able to refinance my student loans…

    Was able to refinance my student loans and obtain significant savings. Process was easy.

    ...

  • author
    John Bent
    Oct 02, 2021
    Everything seems great so far

    Everything seems great so far, but I would like to see two changes: an app would be so much easier to negotiate, and allowing us to increase the monthly payment amount ourselves without having to call it in would be nice.

    ...

  • author
    Amanda Boden
    Oct 02, 2021
    Thank you again...

    Thank you again...

    ...

  • author
    Robert Carucci
    Oct 02, 2021
    Great process

    Best rates, fast approval, good UX design.

    ...

  • author
    Tiffany
    Oct 02, 2021
    Earnest is Wonderful

    Earnest is great. The process was so easy, it didn’t take very long and they handled all the technical pieces and sent payment to my loan lender. I’m so relieved to have a reasonable interest rate and thanks to earnest I’m working towards my debt pay off goals.

    ...

  • author
    Martina anthonia Edem
    Oct 02, 2021
    Earnest is simply awesome

    Earnest is simply awesome. Reliably fast and i would recommend to anyone who is interested in taking a Loan.

    ...

  • author
    Roger
    Oct 01, 2021
    Grateful

    They have made refinancing and consolidating for a first time user like myself very easy. I was stressing over my two student loans with two separate payments but with simple service and speedy process I feel a whole lot better! Thank you!

    ...

  • author
    Megan Thompson
    Oct 01, 2021
    Fat and wasy

    Super easy and very accommodating

    ...

  • author
    Michelle Brockmann
    Oct 01, 2021
    Customer service was available at any…

    Customer service was available at any time. It felt like I was sitting at the same desk getting any of my questions answered. Receiving email prompts kept my mind at ease and we received the best interest rates that I could find that were available to me. I will certainly remain a loyal customer. Thanks again! I couldn't have asked for a more professional and understanding group.

    ...

  • author
    Marcel Bernucci
    Oct 01, 2021
    Very easy process to get our co-signed…

    Very easy process to get our co-signed loan. Everything was done virtually without even having to pick up the phone.

    ...

  • author
    Lasered
    Oct 01, 2021
    Easy to work with and very quick.

    Easy to work with and very quick.

    ...

  • author
    Gavin
    Oct 01, 2021
    Amazing company

    Amazing company. Easy application and now all my high variable interest AES serviced loans are consolidated into one loan not 10. My payment is the same and at the new interest rate I’ll pay them off 8 years earlier. Thanks Earnest from freeing me from that scam that is American Education Services!

    ...

  • author
    Rachel M.
    Oct 01, 2021
    Quick

    Quick, easy and informative. Best part is that they cut my rate in half from what I was paying for my government loans! Highly recommend!

    ...

  • author
    Mohammad Moslemi
    Oct 01, 2021
    عالی بود حرف نداره

    عالی بود حرف نداره

    ...

  • author
    Gina
    Sep 30, 2021
    Very easy and straight forward!

    Very easy and straight forward!

    ...

  • author
    LauraS
    Sep 30, 2021
    all of my needs were quickly addressed.

    all of my needs were quickly addressed.

    ...

  • author
    Adam X. Wroblewski
    Sep 30, 2021
    What a Nightmare Student Loans Are

    Earnest made this very easy and manageable. The rates were much better than my previous loan. The software was good - design was clean. Very happy.

    ...

  • author
    FARRELL, KEVIN
    Sep 30, 2021
    This was my second REFI with Earnest..

    This was my second REFI with Earnest... and both of them went pretty smooth and quick, the entire process complete in five days. I had a couple questions, so I called Customer Service before completing my application. My questions were answered, the Representative was very friendly and helpful!

    ...

  • author
    Madison
    Sep 30, 2021
    Fair and Knowledgeable Lender

    Earnest provides fair rates for those looking to refinance student loans. They were helpful throughout the application process, and overly communicated with me through the use of email and text to keep me aware of the status of my application. They answered any questions I asked them knowledgeably. Earnest is giving me the opportunity to pay off debt and clear my way for a better future.

    ...

  • author
    Michael Armstrong
    Sep 29, 2021
    Quick and rasy

    Quick and easy

    ...

  • author
    Rachel Pelletier
    Sep 29, 2021
    Very simple process made it a no…

    Very simple process made it a no brainer.

    ...

  • author
    JAMES
    Sep 29, 2021
    Quick and easy to apply for loan…

    Quick and easy to apply for loan refinance. Fastest loan process i have ver been a part of regarding something this important.

    ...

  • author
    Diana M.
    Sep 29, 2021
    Earnest was able to bring my student…

    Earnest was able to bring my student loan interest rate down significantly. Happy to be doing business with them.

    ...

  • author
    Hahn Chang
    Sep 29, 2021
    Lots of technical issues.

    Lots of technical issues.

    ...

  • author
    Anna Smithey
    Sep 29, 2021
    Quick and great service!

    Quick and great service!

    ...

  • author
    Customer
    Sep 28, 2021
    The process of refinancing can be scary…

    The process of refinancing can be scary but Earnest made it simple and easy. Everything is clear and understandable. Thank you.

    ...

  • author
    June Kelly
    Sep 28, 2021
    Easy and great

    Easy and great

    ...

  • author
    Russel Kittel
    Sep 28, 2021
    Easy and fast

    Easy and fast. Cut my student loan rates by more than 50%. Glad I saw their offer.

    ...

  • author
    Customer
    Sep 28, 2021
    Easy to use

    Easy to use, quick and a good rate. I am very happy I refinanced with Earnest!

    ...

  • author
    Barbara H
    Sep 28, 2021
    Ease of application

    Ease of application. Timely processing. Reasonable interest rate. Outstanding customer service.

    ...

  • author
    Kate
    Sep 27, 2021
    Unsatisfactory Customer Service

    Madison from Earnest only responds right away when my questions are related about the amount of my loan that is being refinanced but when it comes to clarifications about the emails that I have been getting relating to it she will take a long time like a day or two or won’t respond at all

    ...

  • author
    Steve Harrell
    Sep 27, 2021
    they give every opportunity to get the…

    they give every opportunity to get the loans paid off.

    ...

  • author
    Victoria Steele
    Sep 27, 2021
    Super easy process!

    Super easy process!

    ...

  • author
    John Forry
    Sep 27, 2021
    Smooth transition

    Smooth transition

    ...

  • author
    Donathan Washington
    Sep 26, 2021
    Fast outcome.

    Fast outcome.

    ...

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