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My application for an Earnest loan was declined. What are my options?

For every loan application, we provide specific decline reasons that are available to view in your Earnest account. If you believe there was an error in our review of your application, please feel free to reach out to our Client Happiness team via phone, email, or chat. Similarly, if you believe there was an error on your credit report that affected our decision, please have it corrected with the credit reporting agency and then follow up with us to have your application reevaluated.

We encourage you to reapply after you have made progress towards improving your financial profile. For more information about what we typically look for when evaluating your application, please see our Eligibility Guidelines.

We are not able to provide a copy of your credit report, but you can request a free credit report once per year from Learn more about our policies regarding your credit report.

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