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I noticed the total amount of my Earnest loan is several cents less than the sum of the amount I pay each month – why?

Your loan accrues a small amount of interest each day. When we calculate minimum payments, we round up to the nearest cent to make sure that the loan is paid off on time. Ultimately, we charge a smaller amount on the last repayment to account for this rounding. We make sure to never withdraw more from your bank account than the total amount required to pay your loan.

Note: personal loans originated by Earnest may be serviced by either Earnest or SST. For information about SST, click here. If you're unsure whether or not your loan is serviced by SST, please log into your account, and click on the "My Loans" tab. If the "My Loans" tab shows a "Loan Details" button, your loan is serviced by Earnest. Otherwise, it is operated by SST.

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