About Earnest
Data updated- Website
- earnest.com
- Category
- Money & Insurance
- Location
- United States · San Francisco
- Status
- Unclaimed
- Last 12 months
- 174 reviews
- Replies to negative
- 63% (5/8)
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Is Earnest legit?
Earnest (earnest.com) has a 4.6 out of 5 rating on OK.one, based on 174 user reviews collected here. It is listed under Money & Insurance and its reputation is excellent. Praise is nearly unanimous, with 90% rating it 4 stars or higher; The business has replied to 63% of negative reviews. Last updated 2026-08-12.
What people say
Everyone I’ve spoken with has been…
Everyone I’ve spoken with has been terrific. This is the easiest most seamless loan process I’ve ever been through.
Very helpful. Professional patient
Great service and excellent customer service
I received my answer quickly
I received my answer quickly, signed the forms, and they took care of the rest. Good product. Their loan has made it possible for me to fully focus on my schoolwork and graduate this semester.
After already beng approved my…
After already beng approved my granddaughter made a mistake and college turned down loan when we started again I had a hard time getting approved the second time which I did not understand After phone calls and emails they finally approved me.
Elliot was a great customer service rep.
Student loans
Earnest helped me cover the cost of my higher education. The process was quick and straight forward.
Excellent service!
Outstanding Service
Process from start to finish was simple. Representatives are helpful and a pleasure to work with.
The whole transaction was seamless
The whole transaction was seamless. I called in to verify a few things and your Customer Service Rep was Professional, Courteous, Friendly & knowledgeable.
Nothing bad
Customer service is always great. Straight forward. Not bad APR. Easy to use website. Nice discounts.
Talked with Reyna on their help line
Talked with Reyna on their help line. She was very professional and friendly and had the answers to all of my questions. Made me feel comfortable making an online loan.
We have been using Earnest for several…
We have been using Earnest for several years for school loans for both of my kids. They have been very helpful when we have questions and the loan process was very easy. No complaints at all
Everything about the application…
Everything about the application process was simple and easy to complete. The loan was processed quickly and applied onto my bill with no issues.
Earnest Satisfaction Review
The rates and terms are competitive. A variety of payment options is a nice feature The process from start to finish is simple and straight forward. The Help Team is responsive and knowledgeable when needing assistance.
Process & Rate
I'm a cosigner for my grandson and the application &approval process was straight forward and easy. The best part was that my grandson's interest rate was significantly lowered thru Earnest.
Approve for a student loanwithout a co signer
Earnest approved me for a student loan even though I did not have a cosigner. In a short period of time.
Very fast review and approval
Very fast review and approval. Minimum of documentation. Quick customer response time. However, interest rate totaling 40% of the loan over its duration is high.
You are were help full
You are were help full, just wish it was a better interest rate.
I had a great experience with applying…
I had a great experience with applying for the loan and the quickness and ease of everything, I loved being able to customize my payment plan and being informed simply but thoroughly of all the pro’s and cons. I’d recommend earnest to anyone looking for a loan