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.
Lisa is awesome!!
April 14, 2026
Positive experience
My contact was very helpful and polite. She answered all questions and seemed very knowledgeable. This interaction made it smooth and helped me have a full understanding of the process. Communication was excellent through the process and after.
April 13, 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.
Refinancing experience
On the whole, I really enjoy Earnest. Everyone is very nice and helpful. This may more a more unique experience, but it definitely seems to be a flaw in structure/service. I understand keeping business units separate and not having all information available to all employees, but I had two earnest loans and refinanced still within Earnest. I had to talk to a lot of different teams, who didn't all have access to my information. The process was disjointed and a bit convoluted. I'm sure I'm not the only person who has done or will do this, so it makes me wonder if you need a team/person dedicated to these scenarios--someone who can help with the refinance application and see your previous loan information. I still feel like it's a bit of a wait and see game. I'm confident it will all work out, but it seems odd that it may take so long to go through when it's the same business. I know my friends who use other loan servicers haven't had this problem.
April 6, 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
April 6, 2026
As cosigner the process was smooth and…
As cosigner the process was smooth and quick. My child was confident throught the process and we got decents student re fi rates that were fair and quick.We were saisfied.
March 21, 2026
A breath of fresh air
The process takes less time.
Customer service is top notch.
Refinancing with earnest is life saving with lower APR.
April 2, 2026
5-stars for speed of processing and…
5-stars for speed of processing and realized interest cost benefit for the refinancing of $80k in student loans.
April 10, 2026
Destress and stop waiting on the Govt
The govt student loan program being chaos has been really stressful. Earnest made the decision to refinance into a stable and predictable plan a breeze.
April 1, 2026
Very Happy
No hassle! Easy application and the relief that my loans were consolidated at a rate I can afford without having to worry is so great!
April 2, 2026
The entire process was straightforward
The entire process was clear, simple, and straightforward.
April 8, 2026
Easy process and best interest rate
I had to apply for two separate student loans, and the process was smooth and straightforward.
On top of that, I was able to secure a very good interest rate!
April 8, 2026
Earnestly Amazing‼️😊
My experience with Earnest thus far has been fantastic! I found the website to be very user friendly and was quite pleased with how quickly everything transpired. I highly recommend them!
April 8, 2026
Quick Process
Application was processed extremely quickly and I'm happy with the given rates.
April 8, 2026
Fast and efficient service
April 7, 2026
Earnest made it simple and easy to…
Earnest made it simple and easy to apply and and refinance our college loan at a lower interest rate and we’ll be able to pay it off sooner than we expected.
April 6, 2026
Really fast approval and disbursement
Really fast approval and disbursement. No hassle unlike another company I tried to use named brazos.
February 11, 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.