Earnest Review

Last Updated: April 29, 2016
Advertiser Disclosure



If you have thin credit and manage your finances sensibly, but don’t qualify for traditional alternatives like 0% interest credit cards, then Earnest’s flexible, low-interest personal loan may be a good choice for you.

Quick Facts

Minimum Credit Score
Maximum Loan Amount
Loan Duration
36 months
4.25% - 9.25%
Origination Fee
No Fee
Days to Close
30 days

Expert Walkthrough

Coming Soon!

Earnest Reviews

Credit Karma 2016-03-08

The product was decent, and underwriting was fair, but I was quite disappointed when they chose to prevent me from getting new consolidation loans, even after I paid mine on time every month, and had perfect payment history on all lines on my credit report. They have pivoted from giving loans based on "other factors" to giving safe loans to customers that don't need them.

Super Money 2015-02-11

For many people, borrowing money is a problem even with good jobs and good incomes because they have limited credit histories. Earnest looks beyond all that to consider your entire financial profile. On the other hand, Earnest requires a lot of information, such as your LinkedIn profile, that may make you uncomfortable. Another drawback is that getting your money can take up to 10 business days, which doesnt help if you need a bill paid today. Also, bad credit is a no-go with this company.

Best Company 2015-11-11

This company refinances student loans in addition to personal loans. They are, frankly, the best lender out there in nearly every aspect I can think of. The process is so easy, the rates are really low, they got back to me in only a couple of days with a decision. Would highly recommend.