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What kind of loans does Earnest offer?

From student loan refinancing that could save you thousands to personal loans to help fund life’s biggest moments, our products are designed to help you reach your financial goals.

Student Loan Refinancing

Our student loan refinancing helps you pay down your federal and private student loans on your terms. We consolidate as many of your existing student loans as you’d like at a lower rate, with the option to choose between a fixed or variable rate at a term that fits your exact needs. We can refinance a minimum of $5,000* of eligible student loans, up to $500,000. Please note: you must have graduated and be employed, or be within 6 months of graduating and possessing a job offer to submit an application. Take a look at our Eligibility Guidelines for more information, and then start your student loan refinancing application here. 

Personal Loans

We offer 3, 4, and 5-year personal loans between $5,000* and $75,000. Personal loans can be used for a number of reasons, including but not limited to: vacation/honeymoon, moving/relocation, security deposit, engagement/wedding, home improvement, new job expenses, and career development. If you're interested in starting a personal loan application, you can start here.

Private Student Loans

Our private student loans help college students pay for their expenses while attending school. We're able to offer loans up to the student's full cost of attendance each academic year. We strive to provide a range of options and benefits to help students have control of how and when they can pay their loan. Some of these options include the ability to choose your repayment term and up to 9 months of grace after the student graduates. Take a look at our Eligibility Guidelines for more information, and then start your private student loan application here.  

 *Due to state limitations, residents of California must request a student loan refinance or a personal loan of at least $10,000.

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