Earnest Review

Process was very easy. And very quick which was nice! Would definitely refinance with earnest again.

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So easy to refinance and incredible rates

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Took along time to answer the phone. I called 5 times each time took at least 30 mins or longer for someone. Otherwise would be 5 stars

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A very easy process! Very organized and efficient.

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Team Earnest made it an easy pleasure to refinance my existing student loan. Not only that, but Earnest also had a variety of competitive rates and repayment plans. I recommend checking Earnest before going anywhere else.

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Easy, fast, no gimmicks

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I started my application months ago, then finally went online to finish it and my information was still available since I created an account. I called the number to speak with a person, and she stayed on the line to help me complete the application. She was very patient and explained the process as we went along. My application was completed with her help. My refinancing went through as explained. I'm very appreciative of all the help. I checked today and refinancing is complete with a new rate 1/2 of what it was. Thank you!

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The application process was easy and straightforward. The dashboard is fairly easy to navigate

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Helpful and great customer service

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Earnest has always been competitive in rates, easy to work with, and quick to approve & set up loans. Refinancing with them as been smooth too!

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I have refinanced multiple times through Earnest to lower my interest rate. The process is simple, efficient, and I highly recommend using them

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I have been a customer for Earnest for at least 2 years now! The application process was easy, the loan payoff process was easy, and their customer service team is great! I highly recommend Earnest for anyone trying to refinance their student loans.

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Quick, easy, and understandable terms.

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A lot of information is needed so come prepared with bank statements, pay stubs etc. The effort is worth it. I cut my student loans from 4.5% to 2.75%.

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Quick, Fast and Easy to get through this process.

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quick and easy

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I’ve been with Earnest for several years. They tend to offer some of the most competitive rates and are one of the only providers to offer a bi-weekly auto payment, which can reduce your interest paid over time. Unfortunately, their dashboard isn’t great, and half of your web interactions will take place on the Legacy portal while the other half take place in their new and improved portal, as it seems they are in the process of migrating. My student loan has been with them for several years, when I first refinanced and lumped all my private loans together. It was time to refinance again with rates at historic lows, and while it wasn’t a difficult process, it was a bit antiquated. There is no way to just select “refinance this existing loan” when going through the process. I have to fill out an entire refi application, plug in the 10 day payoff amount, tell them that my servicer is currently Earnest, and then wait over a week for them to mail themselves a check to pay the loan off. All the while, my loan is accruing interest at the higher rate, and I have an autopay that processed, so now the mailed check results in an overpayment. Really not the best experience but they still get three stars because of their very competitive rates and biweekly payment option.

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The application process was easy and fast. And the interest rates and options for paying back my re-financing could not be beat.

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

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

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Quick and great customer service!

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

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

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

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Efficient process with a great refi rate.

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Good experience

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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.

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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.

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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.

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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.

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Process was fast and easy.

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

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Smooth and easy application process!

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Excellent job for refinancing student loan

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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!

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

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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.

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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

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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.

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Excellent service s s easy to navigate

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Good rates, easy refinancing

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

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

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

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

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

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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.

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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.

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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.

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Great! Quick and easy, as well as comprehensive.

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

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

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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.

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Excellent service. Easy and user friendly.

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

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I recently refinanced 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. They looked at all assets which helped with approval. Other companies do not do this. The time for approval happened so fast which was great. I am so glad I found Earnest and refinanced with them.

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Agent very helpful and professional!

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

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

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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.

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Low rates, easy to use

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Excellent service and great rates

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

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Cool stuff really enjoying it

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Student loans are theft.

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love this game 100/10

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

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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.

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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.

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Quick easy and excellent response time!

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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!

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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.

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Very good no problems

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

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

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

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

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

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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!

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Super easy process. Couldn't have gone smoother!

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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???

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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! :)

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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!

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

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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.

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Thank you again...

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Best rates, fast approval, good UX design.

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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.

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

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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!

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Super easy and very accommodating

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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.

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

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Easy to work with and very quick.

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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!

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Your garbage website makes it extremely difficult to set up autopay for my recent loans. Fuckk off you dumb shitts.

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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!

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عالی بود حرف نداره

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Very easy and straight forward!

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all of my needs were quickly addressed.

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