Earnest Student Loans Reviews

4.9 out of 5 stars
37 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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These reviews were written by current and former product users in the last year.

Dec 14, 2016
Excellent Student Loan Refinancing
Anonymous Product User

The application process was super easy and was very intuitive - no need to even call customer service, but it's great too! The scale tool is very helpful in seeing how varying monthly payment amounts affect interest, total paid, and term length. The whole process was painless and fast - I was pre-approved in minutes and was able to sign my documents all online with no fuss. Just waiting for finalization from my original lender and everything will be good to go.

If you're debating it, just apply with Earnest. They're great!

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Dec 12, 2016
Student loan refinancing
Anonymous Product User

They offered me a better rate than other refi companies, and the process was painless and quick

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Dec 11, 2016
Super helpful and overall amazing
Anonymous Product User

I looked at a lot of different places while trying to refinance my student loans, but Earnest definitely stood out. The customer support was super helpful and quick to respond through email, text and phone calls. They also offered by far the greatest rates, and a customizable plan. I'm actually really excited to be a customer here knowing that if I have any trouble down the road there are wonderful people and a great customer support team that I can work with.

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Dec 02, 2016
This is how a company should operate!
Anonymous Product User

I was approved for a consolidation loan for my student loans. They offered the best rates compared with other companies and the ability to choose the exact term or payment you want is awesome! The customer service agents I spoke with were extremely helpful! I'm awaiting the disbursement to my previous lender so I'm still early in the process with Earnest but so far I absolutely LOVE the way they do business! I highly recommend them to anyone! Also, I'm not a robot or a fake review and I wasn't paid to write this. Really, you can trust me I promise! :D

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Nov 28, 2016
Everything feels built for the consumer
Anonymous Product User

Earnest was the only company that would refinance my student loans from an international MBA program (a well known one, too).  Every other company simply stated they couldn't based on a list of eligible schools they took as a given, without any additional thought.  But the Earnest team took the time to discover my school was actually eligible and made it happen.  

The ability to customize your payment and repayment period is fantastic.  I could maximize the amount I can afford on a monthly basis without overcommitting by picking the monthly payment down to the nearest $5 --- all easily seen on your screen.  

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Nov 24, 2016
MagyarPeter Product User

Apain free application process and quick decision made. Nice!

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Nov 22, 2016
Great Product + Customer Service!
keeks1485 Product User

The process of refinancing my sudent loans was smooth and seamless.  Adding various bank accounts and other information may seem a little invasive to some, but I prefer it.  It was super easy, and they needed this information to do a thorough job in qualifying me for the best rate.  I called their customer service line, and the representative was very helpful, answering all of my questions.  I have an 835 FICO score, and I felt like I was rewarded for that when I was quickly approved for my loan (earlier than anticipated), and received a great rate (4.17% fixed)!  Their website and app are super intuitive and user friendly.  Everything is so sleek and performs well.  I like the option of being able to make an extra payment and change my autopay schedule and amount.  I don't anticipate having to use it, but it's also nice to have the option of skipping a payment, if needed.  I would absolutely recommend Earnest to anyone looking to save money by refinancing their student loans!!

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Nov 20, 2016
Gr8 customer service and easy process
Anonymous Product User

Applied for refinancing my loans thru earnest and sofi, even after submitting all required docs, sofi keep asking me additional docs, I got tired and withdrew my application. Applying with earnest was easy and convenient. Apart from that easy to contact em via text. Thank you earnest. 

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Nov 19, 2016
Anonymous Product User

Earnest has been fantastic so far in communication, customer service, and ensuring that the application went as smoothly as possible for me. They're great and I highly recommend them!

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Nov 17, 2016
Great rate, easy to apply!
jpearson1973 Product User

Customer service was excellent.  Nice people too

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