# Make more progress with flexible, adaptive personal loans

## Why Earnest Personal Loans?

- **No fees required:**  
  Enjoy no late fees, no prepayment fees, and no required origination fees

- **Rate drop reward:**  
  Unlock an interest rate discount of up to 0.75% as you repay

- **Customizable payments:**  
  Highly personalized customization process to set your monthly payments

## Disclosures around terms and offers.

### Here’s how it works:

1. **Get personalized rate estimates**  
   Provide basic details about yourself  
   No impact on your credit score

2. **Apply for your loan**  
   Verify employment and income status  
   Connect account for deposit  
   Hard credit inquiry for final rates

3. **Customize your plan and sign**  
   No fees required  
   Choose your own monthly payment  
   Option to enroll in Auto Pay

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