Earnest is a student loans lender based in San Francisco, CA. It was founded in 2013 and offers student loan refinancing in 50 states across the USA (and Washington, DC). 

What are the student loan refinancing rates of Earnest?

Earnest offers variable rate APRs that range from 2.57% to 6.19%.
Earnest offers fixed rate APRs that range from 3.25% to 6.39% APR.

What is the minimum student loan amount you can refinance?

Earnest requires borrowers to have a balance of at least $5000 to process a student loan refinance application.

Does Earnest charge an origination fee?

No, Earnest does not charge a loan origination fee.

What terms does Earnest offer?

Earnest provides refinancing loans of 5 to 20 years.

Borrowers can add a cosigner to the loan to either meet eligibility requirements or qualify for lower interest rates.

  • Loan Term (Years)
    5 - 20
  • Min Loan
  • Variable APR
    2.57% - 6.19%
  • Fixed APR
    3.25% - 6.39%
  • Cosigner Optional
  • Undergraduate Students
  • Graduate Students
  • Parents of Dependent
  • Grace Period / Deferred Interest
  • No Origination Fee
  • Funding Time Range (in days)
    7 - 14
  • Unemployment Protection
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