Earnest empowers people with the financial capital they need to live better lives. We look beyond a credit score, instead of analyzing a person's full education, employment, and financial profile to reward financially responsible people with better rates than traditional lenders. Earnest was founded in 2013 on the belief that getting a loan shouldn't be so difficult for financially responsible people.
We are a skilled team of design, math, finance, and technology geeks who noticed a lack of trust in the financial system and decided to do something about it. We created a company that combines data science, streamlined design, and exceptional service to bring people a fast, low-cost, and hyper-personalized financial experience. Our mission is to make credit more accessible by reducing the costs and barriers faced by millions of financially responsible people.
For recent college graduates, repaying student loans can be a stressful financial burden as you embark on your career. This is why Earnest offers student loan refinancing with low-interest rates and zero fees. Refinancing your student loans with Earnest gives you the option to choose a repayment plan that fits your budget.
Navigating loans to pay for school can be a long and confusing process. This outdated process inspired us to create a new private student loan product, with new tools to simplify every step of the application and approval process. Led with technology, data, and design to engineer a more human application experience, Earnest's private student loans incorporate an innovative eligibility check, cosigner invite, ability to customize your loan, and a 9-month grace period. We have no fees and offer flexible repayment options and extras like skip a payment.