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

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.