# 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** **1** **:** no prepayment, late, or mandatory origination fees

**Rate Drop Reward** **2** **:** lower your rate by up to 0.75% as you pay off your loan

**Skip 1 payment a year** **3** **:** no penalty fees, just breathing room

**Get your funds in as little as 24 hours** **4** **:** 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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##### You could save thousands in interest with an Earnest Personal Loan

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† Average credit card annual percentage rates (APR) are accurate as of the Federal Reserve G.19 release on 04/07/2026 (reflecting data from February 2026). Source: [https://www.federalreserve.gov/releases/g19/current/](https://www.federalreserve.gov/releases/g19/current/)

‡ Example chart reflects a 7-year Earnest Personal Loan with a fixed rate of 14% APR (the mid-range of rates as of April 2026). Earnest Personal Loans are subject to credit approval; available rates are subject to change and exclude any discounts. The 'High-Interest Rate Credit Card' APR of 21.52% is the average rate reported for February 2026. Savings estimates assume you make all payments on time as scheduled for 84 months, without taking on additional credit card debt. The calculation also assumes no origination fees or early prepayments.

# A personal loan designed for you

## Whether you’re trying to pay down high-interest debt or fund a major purchase, our lower rates could help get you there

[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.

[(888) 744-0767](tel:+18887440767)

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### 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 Resource Center.](/content/resources/index.html)