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Personal Loans: Why didn’t I see an estimated rate after doing a rate check?

We do our best to offer an estimate whenever we feel that we can accurately do so. However, our underwriting process considers a complex financial profile with lots of information. The rate check, while helpful, offers results based on a more limited set of information. If the information provided does not strongly indicate to us that an application would be approved at a certain rate range, we will not be able to offer an estimate.

Generally, we look for clients who have a strong history of financial responsibility, which can show itself in many ways. Typically, Earnest clients have an income that supports both the life of the Earnest loan and their everyday living expenses. Positive payment history is another key part of our review process, as this demonstrates you are committed to making your payments in full for all of your existing debts. We invite you to review our Eligibility Guidelines as you decide whether to move forward.

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