# Let's get started refinancing your loans.

- Get rates w/o affecting credit score
- Skip a payment* once per year
- Zero fees
- Get 0.25% off your rate with Auto Pay*
- Flexible payment options
- 1:1 assistance if you need help

*Disclosures

Here’s what you may expect:

1. Get personalized rate estimates  
   Provide basic details about yourself  
   Soft credit check: no impact on your credit

2. Apply for your loan  
   Verify income and employment  
   Hard credit inquiry for final rates and terms

3. Customize your plan and sign  
   Zero pre-payment fees  
   Choose your own monthly payment  
   Option to enroll in autopay

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Earnest Loans are made by Earnest Operations LLC or One American Bank, Member FDIC: Earnest Operations LLC | 300 Frank H. Ogawa Plaza, Suite 340 Oakland, CA 94612 One American Bank | 107 N. 6th St Sioux Falls, SD 57104 NMLS #1204917 [nmlsconsumeraccess.org](https://www.nmlsconsumeraccess.org/) [List of licensed states](https://help.earnest.com/hc/en-us/articles/218907807-What-states-does-Earnest-currently-offer-loans-in-General) Earnest loans are serviced by Earnest Operations LLC. (NMLS #1204917) with support from Higher Education Loan Authority of the State of Missouri (MOHELA) (NMLS# 1442770) One American Bank and Earnest LLC and its subsidiaries, including Earnest Operations LLC, are not sponsored by agencies of the United States of America. For California residents (Student Loan Refinance Only): Loans will be arranged or made pursuant to a California Financing Law License.