If you were unable to find your answer within our Help Center, please reach out to your dedicated servicer for further support.
For Earnest clients: Our dedicated Client Happiness team is happy to answer your questions during our office hours. You can reach us by email, phone, chat, and standard U.S. mail.
- Email: hello@earnest.com
- Phone: (888) 601-2801, 5 a.m.-5 p.m. PT, Monday through Friday, excluding holidays
- Chat: Our virtual assistant is available 24/7 by clicking the chat icon in the bottom right corner and can assist you with a variety of general and account questions. If it is unable to assist, our team is happy to chat with you during our regular office hours.
Written correspondence: PO Box 9250, Wilkes-Barre, PA 18773-9250. Please do not send payments to this address. For our payment address, click here.
Military Service Members: If you are a Military Service Member and need assistance, you can reach our dedicated team by emailing militarybenefits@earnest.com or by calling 855-284-4879 Monday from 5 a.m. to 6 p.m., Tuesday through Wednesday from 5 a.m. to 5 p.m., and Thursday through Friday from 5 a.m. to 3 p.m. PT. If you are currently abroad, please use our international number at +1 888-272-5543. For more information regarding Military Service Members please see this article here.
Personal Loans: If you have an Earnest personal loan serviced by our trusted partner Systems & Services Technologies (SST), you can contact their support team at 866-798-9888, Monday through Friday 5 a.m.-8 p.m. PT, and Saturdays 6 a.m.-10 a.m. PT.
For NaviRefi clients: A dedicated support team is happy to answer your questions.
- If you are applying for a NaviRefi loan or have an existing application, please call 844-381-6621.
- If you have an existing NaviRefi loan in repayment, you can email hello@earnest.com or call 888-601-2801.
The team is available from 5 a.m. to 5 p.m. PT, Monday through Friday, excluding holidays.
Resources are available to assist clients who have tried unsuccessfully to resolve a problem through their servicer. Please refer to your state’s relevant authority.