After receiving an outrageous rate from Sallie Mae that they gave us without doing an actual credit check, we were so relieved when Earnest came through with a fair and reasonable rate. Student loans... See more
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Review summary
Created with AI, based on recent reviews
What people talk about most
Reviews shaping this summary
It was pretty easy, quick and repayment plans were absolutely manageable. Yes, it's like 9% APR, but it's worth it. You'll easily be able to pay it back if you are in pursuit of a higher education tha... See more
My goal was to get the interest and constantly changing payments through the federal student loan under control. You have done that. My payment doesn't change, and I actually have a definitive payof... See more
I was getting denied everywhere and I really needed a loan since my brother has not been paying his educational loans for 7 years and my mom could no longer cosign. My dad straight up said no to me wi... See more
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
9K reviews
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Need better instructions.
Some of the instructions were hard for me to understand. I needed to call for help once.
November 2, 2026
Reply from Earnest
Thank you for your review and feedback! We apologize for the less-than-exceptional application experience. We have emailed you directly with more information.
Very efficient process
The application and approval process was easy, efficient and smooth.
November 4, 2026
Frienddly staff that guided through the…
Frienddly staff that guided through the application process clearly and helpfully
October 28, 2026
Very quick and easy transaction
Very quick and easy transaction, also very helpful with any questions we had.
November 4, 2026
Quick and easy application process
Quick and easy application process. Even quicker response time.
October 28, 2026
Sign up process was easy
Sign up process was easy. Rates were the best of all three companies that I applied for. As with all companies the advertised rate is about a point below what they offer. There is no explanation for the rate you get. Call center was helpful, polite and explained the process.
November 4, 2026
A Smooth and Straightforward Loan Application Experience
My experience with Earnest has been good so far. The application process was straightforward, and the instructions were easy to follow. I appreciated the opportunity to explore financing options for my graduate education. The process was convenient, and I hope to continue having a positive experience with Earnest.
October 28, 2026
super easy to apply and great interest…
super easy to apply and great interest rates!
November 4, 2026
Refinancing my student loans was a…
Refinancing my student loans was a smooth process. I recommend Ernest anyone.
October 24, 2026
Excellent and efficient
Excellent and efficient. Top notch, quick service. I will definitely refer fsmily and friends. Such an easy pleasant experience.
October 27, 2026
Responsive
November 3, 2026
College Cosign review
Once we were able to get the communication clear between my grandson, the school, Earnest and myself the co-sign process went very smoothly.
November 3, 2026
simple and excellent
The application process was simple and response times were excellent.
October 27, 2026
Highly recommend!
The website was very easy to navigate. It was simple to apply for the loan and was given multiple loan terms/payments to fit my needs. Also I was given a very fair interest rate. Look forward to paying off these loans as soon as possible.
November 2, 2026
It kept sending the code
It kept sending the code, then would say timed out followed by to many attempts. It was really bad just trying to log in.
November 1, 2026
Reply from Earnest
Hello Brian,
We're reaching out to thank you for submitting a review with Trustpilot regarding your experience with Earnest. Earnest's true north has always been our clients' happiness. Every day, we strive to deliver exceptional products and unmatched service, operating with integrity to earn your trust and build lasting relationships. Thank you for helping us pursue these goals. We hope to provide outstanding service each time you connect with us.
I apologize for the frustration caused by the verification code issues and subsequent login timeout you encountered while trying to complete the application. We know how stressful it can be when technical issues get in the way of finishing something important, and we truly appreciate your patience. I am very glad to see that the application was ultimately finalized and approved.
We truly appreciate your feedback and have shared these details with our team to help improve our verification and login workflows going forward. All feedback we receive will be used to shape our product to improve the experience. Please don't hesitate to reply to this email if you have additional feedback to share with us, or if you have any questions about your loan. We're happy to assist in any way that we can!
Warm regards,
Alexandra
Problems with the items needed for…
Problems with the items needed for application and it took a long time for the Earnest team to tell me what was needed.
October 30, 2026
Reply from Earnest
Thank you for your review and feedback! We apologize for the less-than-exceptional application experience. We have emailed you directly with more information.
I appreciate the availability given to…
I appreciate the availability given to me during my time of need for school expenses.
October 25, 2026
Awesome Customer Service
The gentleman I worked with was fantastic. He explained everything and was very patient with me.
October 22, 2026
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