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How is the Earnest application different?

Unlike most lenders, we take your professional potential into account, along with your financial profile. In other words, a limited credit history won’t prevent financially responsible applicants from accessing a low interest rate loan. For example, if you are just starting your career in a field with strong earnings potential, we are able to offer you a competitive rate based on the opportunity for growth within that field.

To accomplish this we ask you to add your education and employment history, which lets us see evidence of academic and professional achievement. In addition, we ask you to link certain financial accounts—such as checking, savings, retirement, and investment accounts—to better evaluate your financial background and give you credit for responsible saving and spending patterns.

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