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
Easy application service
Re financed at lower rate Efficient on line process
We did not get a good interest
We did not get a good interest, comeserat to our credit.
Reply from Earnest2026-07-27
Thank you for your review and feedback! We regret that your experience didn't meet the standards we strive for. We have emailed you directly with more information.
Simple process and quick results
Simple process, intuitive website and application forms, and a speedy reply. Well done!
Great customer service
Earnest is fast and prompt with follow up and excellent platform to apply for student loans with. very seamless and easy.
Excellent Service
The process was easy and user friendly. I was approved within 1 day and I did not have to wait around.
Quick easy and very clear conveyance of…
Quick easy and very clear conveyance of information, options for loans.
The initial finance rate was listed at…
The initial finance rate was listed at 11.1% then once more steps were completed the rates jumped to 13%. Very confusing as to why the interest rate was so high with a co signer with good credit?
Reply from Earnest2026-07-27
Thank you for your review and feedback! We apologize for the less-than-stellar application experience. We have emailed you directly with more information.
Great customer service and affordable…
Great customer service and affordable payment options.
Bait and switch
One day after my loan, I received multiple advertisements for a loan w a lower rate. Thank you for the bait and switch.
Reply from Earnest2026-07-28
We appreciate you taking the time to share your review and feedback. We regret that your experience didn't meet the standards we strive for. We have emailed you directly with more information.
Very easy to apply
Norma was very helpful and patient
Extremely Easy
It was extremely easy to refinance another loan and the tools to tune your rate were awesome!
Easy and best rate by far
Easy application and Timely response!
Easy application and timely response!
Knowledgeable people
Knowledgeable people, seamless process, efficient technology
The cosign link can be clicked only…
The cosign link can be clicked only once. There needs to be a better way to do that.
Reply from Earnest2026-07-27
Thank you for your review and feedback! We apologize for the less-than-exceptional application experience. We have emailed you directly with more information.
Everyone I've spoken with at Earnest…
Everyone I've spoken with at Earnest have been so kind and always proactively trying to help. I am so impressed. Especially Virginia, whom I spoke to on July 21, at 10:54am. I hope she can get the recognition that she deserves!
Friendly and patient
Friendly, patient, thorough customer service and support and easy application process