Earnest offers loans to financially responsible people. While your credit history is an important aspect of our review process, we also look at your cash flow, debt-to-income ratio, retirement contributions, and savings habits. We ask applicants to provide up-to-date information about their employment, as well as connect certain financial accounts, which allows us to evaluate their financial profile. Please view our Eligibility Guidelines to see if Earnest is a fit for you.
Some reasons that we may not be able to approve an application are:
- History of missed payments.
- Income that does not support everyday living expenses, along with the Earnest loan.
- Savings that do not cover at least 2 months of normal living expenses, including the Earnest loan.
- Recent bankruptcy or foreclosure.