Site was well integrated with loan companies making the process very quick. Great straightforward feature using a sliding scale to see your chosen payment and it's affect on your rate and term. Very t... See more
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The application process was so smooth and easy. The customer service rep, Latecia, was great!! I'm still in shock. Your willingness to put me in a better situation financially is blessing!!! The fact... See more
The process of applying for the loan was easy! Was pleasantly surprised to see I was accepted for up to 80k to refinance with a 690 credit score. I had shot my credit from debt settlement a while ago... See more
Nicole from Earnest was so helpful in refinancing my student loans. She got me a great rate and was very responsive and helpful throughout the whole process. I can't thank her or Earnest enough.
Company details
Information provided by various external sources
Earnest is an online lender that looks beyond a simple credit score to offer the lowest possible interest rates on student loan refinancing and personal loans. Earnest determines if someone is financially responsible by looking at thousands of data points including saving patterns, 401k investments, career growth potential, and employment history. Earnest offers a quick and easy application process online to learn about a potential client’s education and employment history and see if they are a good fit. The client dashboard makes it easy to pay off loans. Clients can tailor their loan term, minimum monthly payment, set up bi-weekly payments, make extra payments, and skip a payment and make it up later. The Earnest Client Happiness team strives every day to take the borrowing experience from robotic, to one that recognizes people as individuals. The team hears client’s stories all day and uses those to shape the future of the company. They work one on one with clients to address their questions or concerns until the issue is resolved. Earnest isn't content with providing reactive support, they push themselves to be proactive to make the borrowing process easier for their clients. If you want to help Earnest be proactive, leave a review! If you are having issues please reach out to customer service to get help.
Earnest
Written by the company
- Earnest is committed to providing the lowest possible rate to our clients.
- Earnest works every day to assure that clients get the lowest rate possible on their loan. Earnest data scientist, engineers, and designers use technology to bring the most savings possible to people with debt. The company uses precision pricing to find the sweet spot between what clients should be paying in interest and what they can afford. Visit earnest.com to get your low rate!
Contact info
303 2nd St, Suite 401N, 94107, San Francisco , United States
- (888) 601-2801
- earnest.com
4.6
Excellent
8k reviews
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Very helpful and well knowledgeable…
Very helpful and well knowledgeable customer service
20 April 2026
The process of applying for the loan…
The process of applying for the loan was easy! Was pleasantly surprised to see I was accepted for up to 80k to refinance with a 690 credit score. I had shot my credit from debt settlement a while ago so I had spent some time rebuilding prior. I only used 45k but really appreciated the flexibility. Seems like they’re also handling paying the two accounts separately for the transfer so that is also really convenient.
20 April 2026
Amazing experience
Amazing experience - Went from research on rate to loan app, approval, pay off and monthly payments all in one swoop.
16 April 2026
I am very happy about the on line…
I am very happy about the on line application service & Great fast service.
17 April 2026
Seemed to be very knowledgeable and…
Seemed to be very knowledgeable and efficient- diagnosed the problem and now my AC is working! Thank you
24 April 2026
May use AI-assist with repliesRead more
At Trustpilot, it's all about human content. This business can also access our AI-assisted response tool which helps them draft replies.
This verification process sucks
This verification process sucks. I open an email to sign.
You want me to click to move to earnest.
Then you want my account info.
Then you want me to verify my email by sending a code to my email.
But you have to get out of earnest to receive the code.
Then you get back into earnest and your times out.
Thus is bull
23 April 2026
Reply from Earnest
Thank you for your review and feedback! We apologize for the less-than-exceptional experience. We have emailed you directly with more information.
The gal (Amy) we worked with was…
The gal (Amy) we worked with was perfect. Do helpful, understanding and patient.
23 April 2026
The server ce was quick one
The server ce was quick one. But interest rates are too high.
15 April 2026
We were able to shave two years off…
We were able to shave two years off loan repayment with a slight loan increase.
22 April 2026
The customer service representative was…
The customer service representative was fantastic. He patiently assisted me through the application process and his expertise answered all my questions. His skills and knowledge helped me refinance my very old student loan that had a variable rate which didnt allow me to pay the principal balance.
15 April 2026
The application process was very…
The application process was very straightforward and honest. I’ve used Earnest for 2 years now and they have given me peace of mind as I pursue my education. Their repayment plans are flexible and they have a ton of options to choose from!
21 April 2026
It hardly took anytime at all
It hardly took anytime at all. They beat my current interest rates for my school loans. They were able to answer my questions easily. The entire process was very pleasant. Now maybe I can start to see the balance finally start to reduce on these old student loans.
13 April 2026
Excellent everything!
The website is very easy to use and Bianca was great! This whole experience has been fantastic. I especially liked being able to use the bar to see what my monthly payment would be and how that would affect the interest rate and total amount repaid.
12 April 2026
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