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Additional information

Fixed APR

3.74% – 8.49%

Loan Amounts

Up to $500,000

Minimum Credit Score


Term Duration

Custom term from 5 to 20 years

Variable APR

2.49% – 7.99%

Financeive’s rating



Earnest is the ideal option for borrowers who wish to alter their repayment plan in order to pay off debt more quickly. Borrowers who prefer variable payback terms have the option of using a private student loan.

Earnest, which was founded in 2013, is notable for its underwriting methodology, which takes into account a borrower’s anticipated earnings and the bank accounts to which they are connected. Borrowers who use Earnest frequently save money, make on-time payments without incident, and have a little credit card or personal loan debt.

Borrowers have the option to forego one month’s worth of payments with Earnest every twelve months. The amount of the missing payment will be distributed among the remaining loan installments.

Refinancing does away with the initial co-signer, but adding a co-signer is unfortunately not a possibility.

Earnest, on the other hand, stands out by approaching lending with a more individualized approach.

By allowing users to choose between fixed and variable interest rates, it gives payment flexibility. Additionally, you are not penalized if you miss a payment once every 12 months. To qualify, you must have a minimum of $5,000 in loans.

Check our Earnest and LendKey comparison and Earnest and Ascent Comparison.

Flexible loan terms and payments.

There is an option to skip one payment every 12 months.

Without performing a rigorous credit check, you can find out if you qualify and what rate you’ll get.


No co-applicant is permitted.

Kentucky and Nevada don’t provide loans.