SuperMoney 

Earnest Student Loan Refinancing

in Student Loan Refinancing from Earnest Operations LLC

Claimed Visit Site Get Personalized Rates

Earnest Student Loan Refinancing

Claimed

in Student Loan Refinancing from Earnest Operations LLC

SuperMoney Net Recommendation Score -47% 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

4 users recommend
2 users are unsure
13 users don't recommend
Cast your vote
Cast your vote

Would you recommend Earnest Student Loan Refinancing to your friends?

Thanks for your vote!

Thanks for your vote!

You voted: May or may not recommend

Highlights
Highlights
Community Rating Mostly not recommended
Fixed APR 3.45% - 7.49%
Loan Amount $5,000 - $500,000
Variable APR 2.14% - 6.79%
Loan Term 5 - 20 years
Number of Reviews 19

Earnest Student Loan Refinancing Review

Earnest Student Loan Refinancing is a student loan refinance offering by Earnest Operations LLC, . Founded in 2013, Earnest Operations LLC offers student loan refinancing in 47 states (and Washington, DC).

What APRs does Earnest Student Loan Refinancing offer on its student refinancing loans?

The range of APRs you qualify for when refinancing a student loan vary widely by lender and will depend on your creditworthiness and the type of loan you choose. Loans with fixed rates will typically have higher APRs than loans with a variable rate. 

Earnest Student Loan Refinancing offers variable rate APRs that range from 2.14% to 6.79%.
Borrowers who choose a fixed-rate refinancing loan can expect APRs that range from 3.45% to 7.49% APR.

Rate is quoted with autopay discount*.

How much can you borrow via Earnest Student Loan Refinancing?

Loan amounts start at $5,000 and go up to $500,000

Does Earnest Student Loan Refinancing charge an origination fee?

No, Earnest Student Loan Refinancing 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 Student Loan Refinancing charge prepayment fees?

Yes, Earnest Student Loan Refinancing charges additional fees to borrowers who pay off their loans sooner than anticipated. Take this into consideration when choosing a lender because prepayment fees can reduce or even cancel the interest savings of repaying a loan early.

What terms does Earnest Student Loan Refinancing offer?

Earnest Student Loan Refinancing provides refinancing loans of 5 to 20 years.

It also offers borrowers unemployment protection. This means that if you lose your job through no fault of your own your loan payments may qualify for a temporary hold.

What type of borrowers will Earnest Student Loan Refinancing consider?

Earnest Student Loan Refinancing considers loans applications from:

  • undergraduate degree holders
  • graduate degree holders
  • parents of graduates

What do you need to qualify for Earnest Student Loan Refinancing?

Applicants with a credit score of at least 700 and up to 850 are eligible for Earnest Student Loan Refinancing.

Earnest Student Loan Refinancing does not have or does not disclose a minimum annual income eligibility requirement. Note that borrowers can add a cosigner to either meet eligibility requirements or qualify for lower interest rates.

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

  • Proof of graduation
  • Proof of identity
  • Proof of citizenship or residence permit

What is the estimated funding time for a student loan refinance via Earnest Student Loan Refinancing?

Earnest Student Loan Refinancing will typically fund loans within 7 and 14 days of approval.

SUPERMONEY Disclosure: SuperMoney.com 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...

Contact

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

Other Services by Earnest Operations LLC

Availability

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

Feature Breakdown

No Interest Grace Period for Late Payment 9
No Origination Fee  
Origination Fee 0%
Cosigner Optional  
Credit Score Range 700 - 850
Verification Documents Required
  • Proof of Graduation
  • Proof of Identity
  • Proof of citizenship/residence (Green Card)
Funding Time Range (in days) 7 - 14
Unemployment Protection  
Variable APR 2.14% - 6.79%
Loan Amount $5K - $500K
Loan Term 5 - 20 years
Fixed APR 3.45% - 7.49%

Earnest Student Loan Refinancing Community Reviews

 

Would you recommend Earnest Student Loan Refinancing 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)

Other Student Loan Refinancing

LendKey Student Loan Refinance
Rating not yet determined In our efforts to provide the community with the most accurate information, recommendation rating is not determined until a sufficient number of SuperMoney users cast their vote

2 Reviews

Splash Financial Student Loan Refinance
Rating not yet determined In our efforts to provide the community with the most accurate information, recommendation rating is not determined until a sufficient number of SuperMoney users cast their vote

1 Reviews