Applying For Loans

Application and Rate Check

• What Should I do if My Credit Report is Frozen?
• How Can I Apply For An Earnest Loan?
• How does Earnest offer such low rates?
• How Does Applying for an Earnest Loan Affect my Credit?
• I Don’t Have Any Savings. Will My Application be Declined?
• If I give you my social security number, will you give me a loan offer?

Eligibility

• Can I apply for a loan if I am a citizen of the United States but living outside of the country?
• Can I Apply With a Cosigner?
• Can I Check My Eligibility Before Applying?
• Do I need a degree or diploma to apply?
• How Does Earnest Make Decisions?
• What Information is Considered on My Experian Credit Report?

Income and Assets

• What If My Bonus Or Commission Fluctuates?
• What Type of Income Do You Consider?
• How will you consider my rent or mortgage payment?
• What kind of assets does Earnest consider in my application?
• Does Earnest consider household incomes when reviewing applications?

Loan Review

• FAQ: Earnest Identity Verification
• You're requesting that I upload tax documents for my application. What should I provide?
• Who Is Plaid?
• What If My Bank Account Won’t Connect, or I Prefer Not to Connect My Bank Account?
• Where can I check the status of my application?
• My Application Was Declined. Would Anything Change if I Asked For a Lower Amount?