# Introducing Earnest Personal Loans

## A smarter way to manage your debt

## Consolidate high-interest debt into one manageable payment— flexible terms, low rates, and rewards that recognize your progress along the way

[Check My Rate](/content/_/apply/earnest/personal-loans/check-my-rate/index.html)

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## Personal Loans built to support you

Consolidate your debt, pay it off faster, and potentially save with these exclusive benefits:

**No fees required** **3:** no prepayment, late, or mandatory origination fees  
**Rate Drop Reward** **4** **:** lower your rate by up to 0.75% as you pay off your loan  
**Skip 1 payment a year** **5** **:** no penalty fees, just breathing room  
**Get your funds in as little as 24 hours** **6** **:** no waiting

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## Rate Drop Rewards: Only with Earnest

You could lower your interest rate by up to 0.75% as you pay down your loan on time each month. Say you start with a 10% fixed interest rate—you could qualify for a rate as low as 9.25% once you've paid off 75% of your loan. The result? You'll pay less interest overall.

It's our way of rewarding responsible repayment, not just collecting payments.

[Check My Rate](/content/_/apply/earnest/personal-loans/check-my-rate/index.html)

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## How it works

### Check your rate in minutes

See your pre-selected rate with zero credit score impact

### Submit your application

Submit in minutes, with only 3 simple steps

### Customize your loan

Choose from up to 72 payment options

## Earnest Personal Loans: Smarter borrowing

From consolidating debt to finding a future purchase, Earnest Personal Loans are designed to support your financial future

[Check My Rate](/content/_/apply/earnest/personal-loans/check-my-rate/index.html)

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## Help Is Here

## We’re one phone call away

Client Happiness is at the heart of Earnest. Our in-house team of experts can help you apply over the phone and answer any questions.

Reach out via email and web chat; if you prefer to speak to a person, call between 6:00 am - 4:00 pm PT, Monday - Friday, excluding holidays, at (888) 744-0767.

### Earnest Personal Loans

#### Get all the facts

Answers to your top questions

### Will checking my rate affect my credit score?

### How fast can I get my funds after I’m approved?

### Are there any fees or penalties for paying off my loan early?

### How much can I borrow with a Personal Loan?

Have more questions? [Visit the Help Center.](https://help.earnest.com/hc/en-us)