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
While we don't verify specific claims because reviewers' opinions are their own, we may label reviews as "Verified" when we can confirm a business interaction took place. Read more
To protect platform integrity, every review on our platform—verified or not—is screened by our 24/7 automated software. This technology is designed to identify and remove content that breaches our guidelines, including reviews that are not based on a genuine experience. We recognise we may not catch everything, and you can flag anything you think we may have missed. Read more
Review summary
Created with AI, based on recent reviews
What people talk about most
Reviews shaping this summary
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
- #117 of 195 best companies in Financial Consultant
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
Asks customers to review
This company invites their customers to review, whether positive or negative
At Trustpilot, it's all about human content. This business can also access our AI-assisted response tool which helps them draft replies.
How this company uses Trustpilot
See how their reviews and ratings are sourced, scored, and moderated.
Excellent customer service
Excellent customer service, which is so hard to find these days. Very patient with our questions and went over and above to help.
April 27, 2026
Speedy Application Process
The application process was quick and simple. Despite being told it could take 5 business days to get an answer about my student loan, it was approved about an hour later.
May 5, 2026
Fast review and approval process!
May 4, 2026
It was easy access to a loan…
It was easy access to a loan professional that was easy to chat with and got answers to my questions.
April 29, 2026
Earnest offered a very reasonable…
Earnest offered a very reasonable selection of payments and a great interest rate for my good credit history. Other companies charge high despite having good credit history. Earnest’s customer service is professional, caring, and knowledgable. Going with them just made sense and it was easy for me to get approved to reconsolidate my existing student loans!
April 27, 2026
It was very easy to apply online
It was very easy to apply online. Got an answer in minutes.
April 24, 2026
The process was easy
The process was easy, and the turnaround time to determine whether you were qualified was within 24 hours. The service is efficient, timely, and user-friendly. I am not really happy with the interest rate, but I understand that I am a first-time borrower. I hope to get a better rate after proving my character as a good borrower.
April 24, 2026
Ease and Helpful
The process is easy and efficient! Communication was helpful and my school kept me notified of the entire process too. I recommend taking a chance with Earnest for your educational needs.
May 2, 2026
The website is very easy to follow up
The website is very easy to follow up. The whole process time is pretty quick.
I really like it.
May 2, 2026
Wonder Customer Service
All customer service representatives responded very quickly and nicely, which was most helpful in inquiring about loan services.
April 24, 2026
Quick approval with lower rates
I wanted to refinance after seeing I may have a lower rate. Earnest made it quick and easy to do so. The student loans were listed making easy to link and transfer. They quickly did a credit check and gave me a list of documents to upload. After uploading, approval was less than 24 hours.
May 1, 2026
Overall the process was smooth and user…
Overall the process was smooth and user friendly.
April 23, 2026
Great service and helpful staff
April 30, 2026
The application process was so smooth…
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 that I got to choose how much I wanted to repay monthly is something I've never experienced with any company. Thank you Earnest!!!
April 29, 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.
Experience was pleasant but could be improved
Experience was pleasant but would be better if I/we received updates on where the loan stood in the process. Felt like we were unsure through the process….still feel that way as we have not received any updates.
April 8, 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.
Very easy process to refinance loan and…
Very easy process to refinance loan and the interest rate was just what I needed!
April 29, 2026
The nicest people walked me through…
The nicest people walked me through setting up the account. I couldn’t believe how fast and easy this whole process was.
Highly recommend!
April 21, 2026
The Trustpilot Experience
Anyone can write a Trustpilot review. People who write reviews have ownership to edit or delete them at any time, and they’ll be displayed as long as an account is active.
Companies can ask for reviews via automatic invitations. Labeled Verified, they’re about genuine experiences.
Learn more about other kinds of reviews.
We use dedicated people and clever technology to safeguard our platform. Find out how we combat fake reviews.
Learn about Trustpilot’s review process.
Here are 8 tips for writing great reviews.
Verification can help ensure real people are writing the reviews you read on Trustpilot.
Offering incentives for reviews or asking for them selectively can bias the TrustScore, which goes against our guidelines.