Earnest

Great rates

Great rates. Even better customer service. I had a few questions about the loan and they were answered fast and clear. Will recommend for private student loan. Application process was also pretty simple and straightforward

Communication and approval were very…

Communication and approval were very fast. APR vs interest rate was not explained well until finalization.

Easy to follow

⭐⭐⭐⭐⭐

⭐⭐⭐⭐⭐ My experience with Earnest was excellent from start to finish. The entire process was incredibly easy and straightforward, and I always knew exactly where I stood. I especially appreciated having visibility into my loan status and timeline throughout the process, which made everything feel transparent and stress-free. The updates kept me informed every step of the way, and the platform was simple to navigate. I highly recommend Earnest to anyone looking for a smooth and efficient lending experience.

Initial application was quick and easy

Initial application was quick and easy. AI chat service is unhelpful and useless. Took more than 5 business days to hear back after submitting all information and documents. Interest rate is ridiculous but that’s with any of these private loans. Overall ok I guess.

quick and easy

super easy to navigate

Simple to apply

Simple to apply, quick response and easy terms to work with.

Co-sign for granddaughter

Fast on line application with quick response and approval.

Earnest's Customer Service is a Plus

This is my 1st experience with Earnest, and so far it has been smooth, and customer service has been very courteous and helpful in guidance. I appreciate your professionality. Thank you.

I am a first time applicant

I am a first time applicant, I feel that you provided me with a lot of information, may be a lot more than I expected. Most of the information can be condensed. some what, there are some no to easy options provided, I do have an excellent credit record, but I feel it did not make much difference, to the final outcome.

Happy with process

I was extremely happy with the ease of applying and how quickly I received an answer. The entire process was complete in a short amount of time, too.

Application process was somewhat easy

Application process was somewhat easy. Took a while to hear back if approved or not. Not too bad. Interest is ridiculously high. AI customer service was not helpful.

Awesome experience

Awesome experience , with great customer service and professional staff . Easy process . Thank you

I had a very positive experience…

I had a very positive experience throughout the entire application process.. the customer service team was very helpful to me in following up on the process.

The loan refinance process was smooth

The loan refinance process was smooth. I had all the information I needed right on their website, and I am happy with my new rate and terms

The Best Option

When others turned me down, Earnest made it happen. The process was incredibly fast, transparent, and easy. Within 10 minutes of applying with a cosignor, BOOM, there were our options. Tailor how you want to do your loan payback. The next day, my school was able to certify.

It was simple - but not thorough

It was simple. I liked that the process wasn't a challenge to navigate or understand. But I was due a loyalty discount of .25% and didn't get it. That's poor.

It was easy to consolidate my…

It was easy to consolidate my daughter's loans.

Bait and switch on rates

Bait and switch on rates. Excellent credit, far exceeding criteria for best rate selection, net worth 150+ times loan amount. Still a high rate offered.

So far… so good (great)

Hello. The fund transfer hasn’t been completed yet, but so far the experience has been very good. Willam, my application specialist, has been very helpful, understanding and has first class response time. I’m hoping all goes smoothly with the transfer, but will share any bad experiences too. Thank you