Why MoneyLion recommends Earnest for student loan refinancing

By Shae Keys | Published on October 21, 2025

)

We're thrilled to announce our partnership with MoneyLion, a digital financial platform that shares our commitment to making financial services more accessible and user-friendly. This collaboration represents Earnest's dedication to bringing borrowers flexible student loan refinancing options, and delivering the personalized service and competitive terms borrowers deserve.

At Earnest, we've worked hard to break through a landscape crowded with big banks doing things the old way. Our customizable loan terms and stellar customer service have helped thousands of borrowers secure lower interest rates and more flexible repayment terms. Now, through our partnership with MoneyLion, we can extend these benefits to their community of members who are looking to take control of their student loan debt.

What makes Earnest student loan refinancing different?

At Earnest, we put borrowers first with a truly fee-free experience – no origination fees, no application fees, and no late fees. Our commitment to flexibility means borrowers can customize their loan terms to match their budget, while automatically saving 0.25% on their interest rate by opting into autopay.

Why choose Earnest?

Zero fees No origination fees. No application fees. No late fees

Customize your loan terms Choose a payment amount and frequency that fits your budget

Autopay discount Save 0.25% interest rate discount when you opt-in

Refinance again We allow existing loan holders to refinance loans 30 days post disbursement

You can refinance your student loans more than once

But what truly sets Earnest apart is our policy around refinancing again. Borrowers can refinance again just 30 days after loan disbursement, provided they haven't missed any payments and aren't in a hardship program. This is a significant advantage over competitors, who require three on-time payments before allowing refinancing. This means the ability to quickly adjust your loan terms to changing financial circumstances or take advantage of better rates without unnecessary waiting periods.

Customer service that serves you

Transparency and exceptional customer service are part of our core focus at Earnest. Our 4.6/5 rating on Trustpilot reflects our commitment to providing an outstanding experience throughout the refinancing process. Borrowers benefit from our user-friendly digital platform, straightforward application process, and dedicated customer support team that's ready to help. Our call wait times are under 2 minutes, and our support satisfaction rating is over 94%.

Find out how much you could save with Earnest

We're proud to partner with MoneyLion and look forward to helping even more borrowers take control of their student loan debt with smart, flexible refinancing solutions that work for their unique situations.

By refinancing with Earnest, you could save money on your student loans. Check your rate in under two minutes, with no credit impact.

)

About the Author

Shae Keys

Shae is Senior Manager of Partnerships with Earnest. She manages relationships with Earnest affiliate partners to develop and execute successful marketing campaigns and build consumer trust and confidence in Earnest. She has spent her career working in partnerships for a variety of verticals—from home appliances to investing, and now student loans.