Frequently Asked Questions

Will Earnest Adjust Rates with Federal Rate Changes?

We are always striving to remain highly competitive with our student loan refinance rates…

What makes for a successful application?

Earnest offers loans to financially responsible people. While your credit history…

Does Earnest charge any fees?

No. We do not charge origination, prepayment, early payment, or extra payment fees. Because we process all application and loan information online…

How does Earnest offer such low rates?

Our data-intensive application and sophisticated underwriting software help us accurately analyze each applicant’s unique…

How does applying for an Earnest loan affect my credit?

When you initially check your rate, we may perform what is known as a “soft inquiry”…

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