Finder makes money from featured partners, but editorial opinions are our own. Advertiser Disclosure

Earnest personal loans review

Earnest no longer offers personal loans.

Personal loan services now through Fiona

As of May 2020, Earnest has partnered with the personal loan marketplace, Fiona. It no longer offers direct personal loans, and won’t be for the foreseeable future.

If you have a question about an existing personal loan with Earnest, you can contact its customer service by calling 888-601-2801 or by going to its website and selecting Help.


Min. Loan Amount$1,000
Max. Loan Amount$100,000
APR2.49% to 17.24%
Interest Rate TypeFixed
Min. Credit Score680
Loan Term3 to 5 years
Turnaround Time1 to 2 business days

First, am I eligible?

Before you apply with Earnest, make sure you meet the minimum requirements:

  • 680+ credit score
  • Proof of consistent income
  • US citizen or 10-year permanent resident
  • 18+ years old
  • Live in any state except Delaware, Kentucky or Nevada

Increasing bank account balances and a minimal history of late, overdraft or nonsufficient funds fees can also help improve your chances of approval.


  • APR ranges from 2.49% to 17.24%
  • No origination or late payment fees
  • Easy-to-use mobile app
  • Available in every state except Delaware, Kentucky or Nevada


  • Good to excellent credit required
  • Cosigners aren’t accepted
  • Can’t borrow less than $5,000
  • Can take 5 to 10 business days to get a decision

Compare other personal loan providers

1 – 8 of 8

Name Product Filter Values APR Min. Credit Score Loan Amount
Credible personal loans
3.99% to 35.99%
Fair to excellent credit
$600 to $100,000
Get personalized rates in minutes and then choose an offer from a selection of top online lenders.
Best Egg personal loans
5.99% to 35.99%
$2,000 to $50,000
A prime online lending platform with multiple repayment methods.
Upstart personal loans
5.4% to 35.99%
$1,000 to $50,000
This service looks beyond your credit score to get you a competitive-rate personal loan.
Upgrade personal loans
5.94% to 35.97%
$1,000 to $50,000
Affordable loans with two simple repayment terms and no prepayment penalties.
LendingPoint personal loans
7.99% to 35.99%
$2,000 to $36,500
Get a personal loan with reasonable rates even if you have a fair credit score in the 600s.
SoFi personal loans
6.99 to 22.23%
$5,000 to $100,000
A highly-rated lender with competitive rates, high loan amounts and no fees.
LendingClub personal loans
6.34% to 35.89%
$1,000 to $40,000
A peer-to-peer lender offering fair rates based on your credit score.
Monevo personal loans
1.99% to 35.99%
$500 to $100,000
Quickly compare multiple online lenders with competitive rates depending on your credit.

Compare up to 4 providers

How do I apply?

To get started with Earnest’s simple online application, follow these steps:

  1. Click Go to Site to be redirected to Earnest’s personal loan page.
  2. Click Get My Rate to begin your application.
  3. Enter information about yourself, including your Social Security number and annual income.
  4. Read Earnest’s disclosures and click See My Rate! to submit your application.

What information do I need to apply?

Earnest only requires two basic pieces of information when you apply:

  • Social Security number
  • Annual income

What happens after I apply?

You may need to set up an account or submit additional information to complete your application. And remember that when you submit your application, Earnest does a hard credit pull.

It can take five to 10 business days for Earnest to process your application and get back to you with a decision. If you’re approved and accept the offer, you could be funded in as little as one to two business days.

How do repayments work with Earnest?

Earnest allows you to set up autopay to take the hassle out of payments. And to make a bigger dent in your loan balance, you can even change your autopay schedule for payments every two weeks, rather than monthly.

There are no fees, including non-sufficient funds (NSF) fees or late fees, but you should still inform Earnest if you’ll be late on a payment. It may be able to work with you to find an alternate payment option to avoid negative marks on your credit report.

See how Earnest stacks up to the competition with our guide to personal loans.

Frequently asked questions


Review by

Aliyyah Camp was the personal loans publisher for Finder. Aliyyah earned a BA in communication from the University of Pennsylvania.

Expert review

Earnest personal loans are ideal for borrowers with good to excellent credit and a steady job. It offers loans as high as $75,000 with competitive rates for an online lender. You also won’t be on the hook for an origination fee or any late fees.

But you can’t apply with a cosigner, which means you’ll have trouble qualifying if you have less-than-perfect credit. And it isn’t a good option if you’re looking to get funds fast — it can take five to 10 business days to hear back about a decision.

Not sold on Earnest? Compare your other options below.

Ask an expert

You are about to post a question on

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms of Use and Privacy and Cookies Policy.


  1. Default Gravatar
    October 12, 2018

    Hello ! Can I get a loan of 5,000 dollar and to pay it back in 1 year?

    • Default Gravatar
      October 12, 2018

      Hi Lorein,

      Thanks for leaving a question on finder.

      You may be eligible for a 5000$ loan and pay it back in minimum 3 years loan term up to 5 years with Earnest. Unfortunately, 1 year is not an option but you can still discuss with them if it’s possible. Before you apply with Earnest, make sure you meet the minimum requirements.

      1. You must be at least 18 years old.
      2. You must be an American citizen; permanent resident of the US; have a TN, E, O or H1B Visa; or have an F1 Visa and a 17- or 24–month STEM OPT/EAD.
      3. You must not reside in Alabama, Delaware, Kentucky, Nevada or Rhode Island.

      The website also specifies guidelines that range from increasing bank account balances to not getting regularly dinged for late, overdraft or non-sufficient funds fees. To apply for a loan with them, please go to their website.

      Please send me a message if you need anything else. :)


  2. Default Gravatar
    July 3, 2018

    I have bad credit but make decent money and need a loan. is this a possibility?

    • Default Gravatar
      July 4, 2018

      Hi Ricky,

      Thanks for leaving a question on Finder.

      For an Earnest Personal loan, you will need a credit score of at least 660 to be eligible. You may consider getting a bad credit personal loan.


Go to site