Earnest Personal Loans

Earnest Personal Loans

in Personal Loans from Earnest Operations LLC


Earnest Personal Loans


in Personal Loans from Earnest Operations LLC

SuperMoney Net Recommendation Score -39% Recommendation score measures the loyalty between a provider and a consumer. It's at +100% if everybody recommends the provider and at -100% when no one recommends.

Mostly not recommended

6 users recommend
2 users are unsure
15 users don't recommend
Cast your vote
Cast your vote

Would you recommend Earnest Personal Loans to your friends?

Thanks for your vote!

Thanks for your vote!

You voted: May or may not recommend

Community Rating Mostly not recommended
Loan Amount $5,000 - $75,000
APR  (Fixed APR) 5.99% - 17.24%
Loan Term 36 - 60 months
Number of Reviews 23

Earnest Personal Loans Review

Earnest Personal Loans is offered by Earnest Operations LLC, a direct lender founded in 2013 and based in San Francisco, CA. Earnest Personal Loans is available in 43 states (and Washington, DC).

Key takeaways

  • Fast access to cash. In some cases you can get your money within 1 business day.
  • Good credit required. You will need a credit score of at least 680 to qualify for Earnest Personal Loans.
  • Large loan amounts. You can apply for loan amounts of up to $75,000 with Earnest Personal Loans.
  • No origination fee. Earnest Personal Loans does not charge a loan origination fee.
  • No late fees. Missing a payment can seriously damage your credit, but Earnest Personal Loans will not charge additional fees if you miss the due date on a payment.

Earnest Personal Loans Pros and Cons:

Pros Cons
  • Low APRs available to qualified borrowers.
  • $0 prepayment fee.
  • $0 origination fee.
  • Fast funding.
  • Only considers applicants with good credit.
  • No co-sign option.

What rates and terms does Earnest Personal Loans offer?

Earnest Personal Loans has lower interest rates than the average for lenders reviewed on SuperMoney.

What APR rate does Earnest Personal Loans offer?

Earnest Personal Loans offers a fixed APR personal loan product that ranges from 5.99% APR up to 17.24% APR.

Your APR can vary depending on several factors, such as your credit score. Find out what your credit score is and whether there is any false or inaccurate information in your credit history with these credit monitoring tools.

How much can you borrow via Earnest Personal Loans?

Loan amounts start at $5,000 and go up to $75,000.

What can a personal loan from Earnest Personal Loans be used for?

Personal loans from Earnest Personal Loans are typically used for special purchases, debt consolidation, home improvement projects, weddings, medical expenses & procedures, unexpected expenses or similar purposes.

What is the maximum loan term you can get with Earnest Personal Loans?

Earnest Personal Loans offers personal loans with terms ranging from 36 to 60 months. Having the option of longer terms allows borrowers to take on larger loan amounts while keeping monthly payments more affordable. However, the longer the term of your loan, the more interest you will pay.

Earnest Personal Loans Rates & Terms
Loan Amount $5000 - $75000
Loan Term 36 - 60 months
APR 5.99% - 17.24%

What fees does Earnest Personal Loans charge?

Does Earnest Personal Loans charge an origination fee?

Earnest Personal Loans does not charge a loan origination fee.

A loan origination fee is what some lenders charge for processing, underwriting, and funding a loan. Typically fees range from 0.5% to 5% of the loan amount. Whenever possible, go with lenders that don’t charge origination fees.

Does Earnest Personal Loans charge a late fee?

No, Earnest Personal Loans will not charge you a late fee..

Does Earnest Personal Loans charge prepayment fees?

No, Earnest Personal Loans does not charge prepayment fees. This means you will not have to pay additional fees if you decide to pay the loan off early.

Earnest Personal Loans Fees
Origination Fee N/A
Prepayment Fee? No
Late Payment Fee N/A

What do you need to qualify for Earnest Personal Loans?

Applicants with a credit score of at least 680 and up to 850 are eligible for Earnest Personal Loans. The minimum age to be eligible is 18 or the state minimum, whichever is higher.

Earnest Personal Loans does not have or does not disclose a minimum annual income eligibility requirement. Earnest Personal Loans will consider borrowers regardless of their employment status if they can prove their ability to repay their obligations.

The Military Lending Act (32 C.F.R. § 232) prohibits lenders from charging service members more than 36% APR on credit extended to covered borrowers. Active duty service members and their covered dependents are eligible to apply for a loan via Earnest Personal Loans. Their rates fall within the limits of The Military Lending Act.

U.S. citizens are, of course, eligible for the services offered by Earnest Personal Loans. Permanent resident / green card holders are also eligible to apply.

To qualify, applicants may need to provide the following documentation:

  • Applicants must have an active and valid checking account
  • Recent pay stubs
  • Proof of income
  • Driver's license
  • Proof of citizenship or residence permit
Earnest Personal Loans Eligibility Criteria
Minimum Age 18
Bank Account Required? Yes
Application Types Accepted
  • Individual Applications
  • Credit Score 680 - 850

    What is the estimated funding time for a personal loan via Earnest Personal Loans?

    Earnest Personal Loans will typically approve (or deny) a loan application within 48 hours and fund personal loans within 7 business days of approval.

    Does Earnest Personal Loans report your account activity to credit bureaus?

    Earnest Personal Loans reports your account activity to the following credit reporting agencies:

    • Experian

    Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and can help improve your credit score.

    SUPERMONEY Disclosure: is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...


    • Headquarters
    •   303 2nd Street
      Suite 401N
      San Francisco, CA 94107

    Message from Earnest Operations LLC

    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.

    Other Services by Earnest Operations LLC


    Alaska Alabama Arkansas Arizona California Colorado Connecticut Washington, D.C. Delaware Florida Georgia Hawaii Iowa Idaho Illinois Indiana Kansas Kentucky Louisiana Massachusetts Maryland Maine Michigan Minnesota Missouri Mississippi Montana North Carolina North Dakota Nebraska New Hampshire New Jersey New Mexico Nevada New York Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Virginia Vermont Washington Wisconsin West Virginia Wyoming
      Available in 43 states and Washington, D.C.
    • Alaska
    • Arizona
    • Arkansas
    • California
    • Colorado
    • Connecticut
    • Washington, DC
    • Florida
    • Georgia
    • Hawaii
    • Idaho
    • Illinois
    • Indiana
    • Iowa
    • Kansas
    • Louisiana
    • Maine
    • Maryland
    • Massachusetts
    • Michigan
    • Minnesota
    • Missouri
    • Montana
    • Nebraska
    • New Hampshire
    • New Jersey
    • New Mexico
    • New York
    • North Carolina
    • North Dakota
    • Ohio
    • Oklahoma
    • Oregon
    • Pennsylvania
    • South Carolina
    • Tennessee
    • Texas
    • Utah
    • Vermont
    • Virginia
    • Washington
    • West Virginia
    • Wisconsin
    • Wyoming

    Feature Breakdown

    No Origination Fee  
    No Prepayment Fee  
    No Late Fees  
    Checking Account Required  
    Employment Statuses Considered
    • Employed Full-Time
    • Employed Part-Time
    • Other
    • Retired
    • Self-Employed
    • Unemployed
    Immigration Status Considered
    • U.S. Citizen
    • U.S. Permanent Resident
    Joint Loan Applications Accepted Individual Applications
    Military Status
    • Active Duty Military
    • Military Dependent
    • Non-Military
    • Veterans
    Minimum Age 18
    Supported Income Types
    • 1099 Misc. Income
    • Direct Deposit (W2, SSA, SSDI)
    • Payroll Check or Prepaid Card
    Verification Documents Required
    • Proof of Income
    • Recent Pay Stubs
    • Driver License (or other photo ID)
    • Proof of citizenship/residence (Green Card)
    Credit Score Range 680 - 850
    Approval Speed 48 hours
    Credit Bureau Reporting Experian
    Funding Time Range 1 - 7 days
    Payment Options Automatic Payments
    Pre-Approved Soft Credit Inquiry  
    Loan Amount $5,000 - $75,000
    APR (Fixed APR) 5.99% - 17.24%
    Loan Term 36 - 60 months

    Earnest Personal Loans Community Reviews


    Would you recommend Earnest Personal Loans to your friends?

    Before we publish your vote:

    Please explain your vote by sharing your experience.

    Writing a review increases the credibility of your vote and helps your fellow users make a better-informed decision.

    Please write a review to submit your vote
    Cancel my vote
    (will require moderator approval)
    Page 1 of 2

    Other Personal Loans