Earnest Student Loans Reviews

4.9 out of 5 stars
32 Reviews

From Product Users in the last year


Application Process

4.5 out of 5 stars

Customer Service

5 out of 5 stars

5 5

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5 star reviews (31) See All

These reviews were written by current and former product users in the last year.

Dec 12, 2017
Better Rates than almost anywhere
cwilkins88 Product User

Much better than anything else.  

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Dec 01, 2017
Easy. Transparent. Fast. Good Rates.
creditkarmamatt Product User

Had a very easy time refinancing student loans with Earnest. 

Application process was simple and fairly straightforward. Customer service was eager to answer questions. Good User Experience on their app and website. Good rates. 

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Nov 25, 2017
Fast, competitive, responsive
Anonymous Product User

Fastest to respond, built-in suppport for biweekly payments, responsive customer service, and fast payout to previous loan debt holders. I had several small loans with different interest rates and my request for how they be paid out was a bit detailed, as I was trying to minimize my effective interest rate overall. I simply contacted customer support and they happily conveyed the information to the correct department and they did exactly as I requested. Can't ask for much more than that.

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Nov 24, 2017
Extremely helpful.
Anonymous Product User

Sallie Mae is terrible and I am so grateful to not deal with them anymore. I feel relieved to have refinanced my loans with Earnest.

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Nov 18, 2017
Ptroni91 Product User

Very happy with my refinanced student loan as Earnest gave me a great rate. Highly recommended!

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Oct 30, 2017
Xtra work at application pays off big
Anonymous Product User

Great customer service and while the application process does require more detail it is well worth the effort for better rates than other lenders for good credit customers. Could not be happier. Love the bi monthly payment option and the ease to change.

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Oct 26, 2017
Simple loan refinancing with pizzazz
EllieAdventure Product User

This is the first company that allowed me to refinance my very large student loan balances without ridiculous requirements. It was easy to get them documents, and their rates were fair. The process went quick & included a free brunch incentive! 

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Oct 24, 2017
Great service experience and easy app
Anonymous Product User

Earnest is easy to use and I really loved account support via text message to a real person.

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Oct 16, 2017
Definitely Recommend
mshem Product User

What I love about Earnest is their transparancy. I looked into a ton of refinance companies before deciding on Earnest and my decision came down to 1) They have very competetive rates. 2) There were no hidden loops to jump through or hidden eligability requirements once you got into the application process that I dealt with with other companies  3) The app is concise and easy to use. Another great benefit with Earnest is that every so often you can refinance with them internally without a hard pull on your credit report. Its an awesome feature if your credit is improving or if their rates improve. With Earnest I am saving about $11,000 and reduced my loan term by about 2 years. I definitely recommend!

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Oct 16, 2017
User-friendly and low rates.
laureliz Product User

I shopped a lot of refinancing options, and I liked the user-friendly application process and the low rates Earnest had to offer.

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