Eligibility Guide & Requirements

Wondering whether you’re eligible for an Earnest loan? You’ve come to the right place. Each of our loan products has its own eligibility requirements, so choose a loan type to see what we look for. Please note that while certain criteria determine only your eligibility, other factors are considered strong predictors of approval.

Student Loan Refi

Parent PLUS Refi

Personal Loans

Cosigned

Independent

Student Loan Refinancing

Personal

Loan

Financial

Factors for Approval

Parent PLUS Refinancing

Personal

Loan

Financial

Factors for Approval

Cosigned Student Loan

Personal

Loan

Financial

Factors for Approval

Independent Undergraduate Student Loan

Personal

Loan

Financial

Factors for Approval

Independent Graduate Student Loan

Personal

Loan

Financial

Factors for Approval

Parent Loan

Personal

Loan

Financial

Factors for Approval

Personal Loan

Personal

Factors for Approval

Explore your options with Earnest

From Earnest

Private Student Loans

Apply on your phone, get set for next semester. Variable rates start at 5.62% APR with Auto Pay.

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Student Loan

Refinancing

Get one simple payment that fits your budget. Variable rates start at 5.99% APR with Auto Pay.

Learn More