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Last Updated: 04/18/2025

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Earnest Personal Loans

in Personal Loans from Earnest Operations LLC

Last Updated: 04/18/2025

Created by:

SuperMoney

Fact Checked by:

Andrew Latham

Mostly not recommended22 total votes

6 users recommend

2 users are unsure

14 users don't recommend

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Highlights

Community Rating

Mostly not recommended

APR (Fixed APR)

5.99% - 17.24%(Verified 06/21/2024)

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Amount Range

$5,000 - $75,000

Loan Term (Months)

36 - 60

Number of Reviews

Earnest Personal Loans Review

Earnest stopped offering personal loans in 2020. It will continue to service existing customers but it won't accept any more new applications.

However, Earnest still provides private student loans and student loan refinancing.

If you're looking for a personal loan, check these lenders.

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Message from Earnest personal loan

We believe many financially responsible people aren’t getting the credit they deserve. That’s why we strive to look more comprehensively at your financial profile, and offer the low rates and high quality service you’ve earned.

Contact

Headquarters

303 2nd Street

Suite 401N

San Francisco, CA 94107

(888) 601-2801

Visit Site

Email Support

Other Services by Earnest Operations LLC

Private Student Loans

Be the first to rate

Student Loan Refinancing

18 Reviews

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SuperMoney Net Recommendation Score

SuperMoney users mostly don't recommend this product, giving it a user recommendation score of -36, or 2.3 on a 5-point rating scale.

-36

-1000+100

No one recommends

Everyone recommends

The recommendation score reflects customer satisfaction with a provider. A score of +100 means every customer recommends the provider, while -100 means none of them do. These scores are based entirely on community member votes and are not influenced by partner compensation. SuperMoney removes fake reviews when detected.

Earnest Personal Loans Community Reviews

Would you recommend Earnest Personal Loans to your friends?

Anonymous

Aug 15, 2019

May or may not recommend

The process to apply and obtain a student loan refinance was simple and fairly quick compared to other lenders. The also gave a competitive interest rate. Now in hindsight it is probably because they have hardly any customer support. During their limited business hours, the customer support provided was not helpful. Their website is very slow to process and discrepancy in account balances on different pages of the website is ...Show More

Anonymous

Mar 15, 2019

May or may not recommend

Paper work not done right. My name isnt on my house the taxes or the sewer bill its like im just leasing the house instead of buying my home ive lived in for 5 yrs now.

Jon L.

Feb 27, 2019

May or may not recommend

Feels a lot like a scam, I got a loan through them and then I was immediately handed off to their partner SST which essentially has zero online presence. After making my first payment I waited a week and a half without the funds coming out of my bank and then I noticed that SST had removed any record of my original submission. Very little help as far as contacting ...Show More

Anonymous

Jan 17, 2019

May or may not recommend

They changed a lot since I first start and have since shut down their website/app for multiple days due to 'technical issues' and when asked about my past payment history which was once available and no longer viewable, I was not given any info/help with these issues. Sketchy company with not that great of customer service. Regretting my decision to use them in the first place.

Michelle B.

Oct 19, 2018

May or may not recommend

I had no problems getting a loan through Earnest. It was quick and easy. I had 4 loans that I wanted to consolidate and refinance. My interest rates ranged from 7% to 4.95%. I was able to get approved for 4.94% fixed for 5 years. I was really happy that they had a biweekly option for payments. They recently took this away with the new redesign of their website but ...Show More

Lynn H.

Sep 7, 2018

May or may not recommend

This company is a complete joke. They denied me yet could not give me a true reason for the denial. The representative said she could not give me the reason in case the application was fraudulent. I would never waste time with this company.

Elizabeth V.

Jun 23, 2018

May or may not recommend

This is a GREAT company to refinance your private student loans. They are invasive when it comes to checking your financial information (I admit I was suspicious). I chatted with a representative via txt for over an hour and grilled them on why they needed my info, what are they using it for, how long to they hang on to it. And it really is just to check to see ...Show More

Peter S.

May 4, 2018

May or may not recommend

Terrible website. Very intrusive with personal information and ridiculous application process. In the end they will reject your loan request. Stay away from them. There are much better alternatives.

Anonymous

Mar 29, 2018

May or may not recommend

The application process required that I give them my user names and passwords to financial information. No way! I don't care how fancy your algorithms are and how much faith you have in your third party encrypted security, don't give out your passwords. IT 101.

Pc K.

Mar 5, 2018

May or may not recommend

Horrible. I applied for $ 2000.00 PL which I was more than qualified for. After running hard credit inquiry ( 16 FICO points shaved off my score) they kept asking for more and more documents, such as pay stubs, copy od drivers license and so on, including our savings account, and your retirement accounts to confirm your education, employment, salary and financial situation. For what wonder ? I have credit cards ...Show More

Paul M.

Jul 2, 2017

May or may not recommend

These guys are not ready for home mortgages yet. Very poor communications from the Rep - wouldn't return emails or calls. Be careful with these guys. i subsequently wrote a review on Bankrate and a guy named David (business Mgr) called me to discuss the loan, which I said no thank you to of course. Told him his rep Kristine was not responsive. Subsequently I found out he was ...Show More

Danny G.

Apr 13, 2017

May or may not recommend

I applied for a loan with Earnest in the hopes that they were different from the other traditional lenders as far as their borrowing qualifications. Unfortunately, to my disappointment, I was sadly mistaken. After telling them my entire life story including past job history, about my medical conditions, colleges attended & also personal information like my bank information in addition to an extensive analysis of my past credit history, they ...Show More

Eric Rice

Nov 21, 2016

May or may not recommend

I applied for a loan with very good credit and very healthy savings. They asked me for a picture ID and a copy of my taxes, then declined my request. They blamed it on income variability and income (I am self-employed) but I really dislike the intense scrutiny, as well as the request for access to your bank accounts and picture ID, and then a weak excuse for ...Show More

Anonymous

Apr 21, 2016

May or may not recommend

Intrusive and extremely annoying process. Their standards are higher than other lenders and will comb through every link in your bank statement. Ended up going through a different company after Earnest denied a personal loan after several weeks of digging.

Dmitriy V.

Feb 1, 2016

May or may not recommend

Their main advantage is supposed to be independence from credit scores. But guess the reason why my application for loan was rejected? Right, my low credit score :D I had more than twice amount of assets on my brokerage account (comparing to size of requested loan), I submitted my broker's report as a proof, but got rejected anyway.

Anonymous

Jan 21, 2016

May or may not recommend

For the people that say ou have to give too much information please remember they giving you lots of money. Application process was fairly smooth. They link to every major bank and with moderate typing skills this is quick. I am refinancing a student loan and will save over a lot. When asking for support they were super fast getting back to me and courteous. No complaints from ...Show More

Nicholas Turner

Jun 21, 2015

May or may not recommend

Applying for a loan through Earnest was my least favorite waste of time, of recent. They seriously nitpicked my credit report worse than I've ever experienced in my life of 31 years. I was denied a loan because of "too low balance" in my 401k. Well let me tell you Mr. Earnest, If I wasn't over paying to my current student loan servicing company I'd actually be ...Show More

Anonymous

May 21, 2015

May or may not recommend

I am saving thousands of dollars by refinancing my private student loans with Earnest. I will say that I was a bit skeptical when I was asked to put in all of my Bank Account information. However, this is a credible company and everything went well during the process. My rate was much lower than any other rate I've received from other refinancing companies. I am now considering ...Show More

Anonymous

May 7, 2015

May or may not recommend

This is a great place for a loan. The customer service is wonderful, the terms are liveable, and overall the experience was very good. I would definitely recommend Earnest to anyone!

Anonymous

Mar 7, 2015

May or may not recommend

This bar none is the BEST loan experience I have ever had. The employees are courteous and super helpful and the interest rates are wonderful! I consolidated some high interest credit card loans, and I am going to save a bundle thanks to Earnest. They obviously care about their customers and not just themselves, and that is so refreshing nowadays.

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