Earnest Private Student Loans
Earnest Private Student Loans
in Private Student Loans from Earnest Operations LLC

Earnest Private Student Loans

in Private Student Loans from Earnest Operations LLC
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Not enough votes for recommendation

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Loan Amount Starting at $1,000
Fixed APR 4.79% - 13.70%
Variable APR 4.79% - 13.50%

Earnest Private Student Loans Review

Earnest Private Student Loans is offered by Earnest Operations LLC, a direct lender founded in 2013 and based in San Francisco, CA. Earnest Private Student Loans are available in 50 states (and Washington, DC).

Earnest Private Student Loans FAQ

What rates does Earnest Private Student Loans offer for in-school private student loan?

Earnest Private Student Loans has a variable APR that ranges from 4.79% up to 13.50%.

It offers a fixed APR that ranges from 4.79% up to 13.70%.

Many students have little or no credit history when they start college. By having a parent or other creditworthy individual cosign the loan, the student may improve their chance of approval or qualify for lower interest rates.

How much can you borrow from Earnest Private Student Loans?

Available loan amounts may vary by applicant but Earnest Private Student Loans has a minimum loan amount of 1K

Does Earnest Private Student Loans charge an origination fee?

No, Earnest Private Student 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 Private Student Loans charge prepayment fees?

No, Earnest Private Student 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.

What terms does Earnest Private Student Loans offer?

Earnest Private Student Loans provides repayment terms ranging from 7 to 15 years.

What type of borrowers will Earnest Private Student Loans consider?

Earnest Private Student Loans considers loans applications from:

  • undergraduate students
  • graduate students
  • parents of students

What do you need to qualify for Earnest Private Student Loans?

Applicants with a credit score that ranges from 650 may be eligible for Earnest Private Student Loans. The minimum age to be eligible is 18 or the state minimum, whichever is higher.

Earnest Private Student Loans does not have or does not disclose a minimum annual income eligibility requirement. Earnest Private Student Loans only considers borrowers who are employed.

U.S. citizens and permanent resident / green card holders are eligible to apply for the services offered by Earnest Private Student Loans.

Is Earnest Operations LLC a legit company?

Earnest Operations LLC was founded in 2013, it is a well-established company that has been in business for 10 years.

Unfortunately, we don't have sufficient community reviews to provide a reliable rating of their user experience and customer service.

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Other Services by Earnest Operations LLC


  Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • 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
  • Washington, DC
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

No Origination Fee
No Prepayment Fee
Cosigner Optional
Credit Score Range 650 -
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Minimum Age 18
Loan Term 7 - 15 years
Fixed APR 4.79% - 13.70%
Variable APR 4.79% - 13.50%
Loan Amount Starting at $1,000

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