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Earnest Review

Find a customized quote easily

Reviews 5,557

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Sally Herigstad
Sally Herigstad
May. 01, 20224 min read

Earnest summary

With Earnest, you can apply and see student refinancing rates you qualify for in as little as 2 minutes. They are a direct lender, so your loan is funded by Earnest as well as serviced by them. Earnest also has programs to help you manage student loan repayments, such as the ability to skip one payment per year.

Pros

  • All loans are serviced in house
  • Get your interest rate in two minutes
  • Ability to skip one payment per year

Cons

  • Not available in Kentucky or Nevada
  • Strict credit score requirement
Earnestat a glance
4.6

Editorial score

Online experience

Has learning resources, access to rates, mobile app

5.0

Customer services and support

Multiple ways of reaching lender, wide range of hours

4.0

Repayment flexibility

Offers flexible repayment plans & the option for special repayment programs

5.0

Loan Types Covered

Covers most student loan types

4.0

Eligibility

Loans available to all credit types, income levels, and loan types

5.0

Earnest Earnest View Rates

Suitable For?

Earnest student loan refinancing is suitable for borrowers who have higher interest rates on their student loans and want to take advantage of current low rates. Some borrowers with federally held loans may choose not to refinance in order to remain eligible for  benefits applicable to federally held loans.

Loan Features

Earnest offers student loan refinancing with the following features:

  • Fixed-rates from 3.49% - 7.99% APR with AutoPay
  • Variable-rates from 1.89% - 7.99% APR with AutoPay
  • Loans with minimum size of $5,000 and up ($10,000 and up in California)

The Application Process

Click the “Get Started” button and answer a few questions about your student loan needs. You’ll get an interest rate estimate in minutes, without impacting your credit score.

If you like the rate you see, you can complete the application, upload documentation, and finalize your loan. You’ll be able to choose between making your payments monthly or bi-weekly.

Loan Eligibility Requirements

The main eligibility requirements for obtaining a loan from Earnest are:

  • Age 18 or older
  • Resident of one of 48 states or the District of Columbia (all but Kentucky and Nevada)
  • Adequate income to cover expenses
  • Minimum credit score of 650 and a good financial history
  • Enrolled less than half-time and your loans are in repayment, or you will complete your degree at the end of the coming semester OR meet all of the following criteria:
    • The degree is incomplete
    • The last attending date was over 6 years ago
    • Your credit score is 700+
    • The school you attended was not a for-profit school
  • Be a U.S. citizen or have a 10-year Permanent Resident Card

If you don’t meet the income, credit score, or U.S. citizen or residency status requirements, you may still qualify if you have a cosigner who meets these requirements.

Repayment Terms

Unlike most lenders who offer fixed loan terms, Earnest lets you choose the length of your loan. You decide how quickly you want to pay off your loan, and choose a loan length to the month. For example, you may decide you can afford to pay off your loan in 9 years and 8 months, or that may be the amount of time you had left on your previous loan. You can generally get a loan for that length of time.

The APR you pay depends on factors including your credit score. Fixed rate loans range from 3.49% - 7.99% APR, and variable rate loans range from 1.89% - 7.99% APR.

How Safe Is It?

The data you enter on the Earnest site is encrypted using industry-standard SSL technology. It is sent to servers in an off-site data center, where data is protected by firewalls, private subnets, and multi-factor authentication.

Help & Support

You can get help in three ways:

  • Submit a request using the online form
  • Use online chat
  • Call 1-(888)-601-2801 Monday - Friday, 8:00 AM to 5:00 PM PT, excluding holidays

Summary

Earnest works with you to meet your goals for refinancing your student loans. Whether it’s consolidating multiple loans, getting a better interest rate, removing a co-signer, or choosing a custom loan term to pay off your loan sooner, Earnest is there to help. They even have a Client Happiness team to help with your loan experience.

Physical Address

535 Mission St., Suite1663

San Francisco, CA 94105

Earnest Earnest View Rates

Disclaimers

Interest Rate Disclosure:

Actual rate and available repayment terms will vary based on your income. Fixed rates range from 3.74% APR to 8.24% APR (excludes 0.25% Auto Pay discount). Variable rates range from 2.14% APR to 8.24% 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. The maximum rate for your loan is 8.95% if your loan term is 10 years or less. For loan terms of more than 10 years to 15 years, the interest rate will never exceed 9.95%. For loan terms over 15 years, the interest rate will never exceed 11.95%. Please note, we are not able to offer variable rate loans in AK, IL, MN, NH, OH, TN, and TX. 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.

AutoPay Discount Disclosure:

You can take advantage of the AutoPay interest rate reduction by setting up and maintaining active and automatic ACH withdrawal of your loan payment. The interest rate reduction for Auto Pay will be available only while your loan is enrolled in AutoPay. Interest rate incentives for utilizing Auto Pay may not be combined with certain private student loan repayment programs that also offer an interest rate reduction. For multi-party loans, only one party may enroll in AutoPay.

Lender Identification Footnote:

Earnest Loans are made by Earnest Operations LLC or One American Bank, Member FDIC. Earnest Operations LLC, NMLS #1204917. 535 Mission St., Suite 1663, San Francisco, CA 94105. California Financing Law License 6054788. Visit earnest.com/licenses for a full list of licensed states.

One American Bank, 515 S. Minnesota Ave, Sioux Falls, SD 57104. Earnest loans are serviced by Earnest Operations LLC with support from Navient Solutions LLC (NMLS #212430). One American Bank and Earnest LLC and its subsidiaries are not sponsored by or agencies of the United States of America.

© 2021 Earnest LLC. All rights reserved.

Sally Herigstad
Written bySally Herigstad

Sally has been writing about personal finance since 1998 and is the author of “Help! I Can’t Pay My Bills” (St. Martin’s Griffin). She is a licensed real estate broker in Washington state and a retired certified public accountant. She writes for BestMoney and enjoys helping readers make sense of the options on the market.‎

Earnest
Earnest
ExcellentReviews 5,557
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Trustpilot reviews

See what some costumers are saying about Earnest
Earnest
ExcellentReviews 5,557
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Excellent
85%
Great
9%
Average
2%
Poor
1%
Bad
3%
  • author
    Jeffrey Speiden
    Jan 01, 1970
    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
    Jan 01, 1970
    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
    a day ago
    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
    Jan 01, 1970
    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.

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  • 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!

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  • 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!

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  • 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'.

    ...

  • author
    Olasunkanmi Akinbote
    Aug 22, 2022
    Very fast and efficient service

    Very fast and efficient service

    ...

  • author
    Rebecca Crowley
    Aug 22, 2022
    Just waiting for the loan to be…

    Just waiting for the loan to be submitted to Penn State it has not gone to the school as of it.

    ...

  • author
    Sunil R Tiwari
    Aug 22, 2022
    Easy process.

    Easy process.

    ...

  • author
    Jim Hague
    Aug 22, 2022
    It has always been good and easy

    It has always been good and easy

    ...

  • author
    Eric Burrell
    Aug 21, 2022
    My experience as a new earnest customer…

    My experience as a new earnest customer was made easy by the email communications and very user friendly forms. Works very well with a mobile device.

    ...

  • author
    Magda Mazri
    Aug 21, 2022
    this was a great overall experience in…

    this was a great overall experience in lending. Submit application. Follow with uploading docs. Get constant updates. close

    ...

  • author
    robyn bruscino
    Aug 20, 2022
    Quick and easy …

    They were very quick and the process was easy. Rates were comparable to others

    ...

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