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What makes for a successful application?

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 education and employment, as well as connect certain financial accounts, which allows us to evaluate your personal and 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 3 months of normal living expenses, including the Earnest loan
  • Recent bankruptcy or foreclosure
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