Checking your rates for an Earnest Personal Loan requires zero documentation and won't affect your credit score. You can review your preliminary estimates in just a few minutes with no impact on your credit report.
If you decide to submit a full application, our team will review your application, and you will be informed if any documentation, such as proof of income, is needed.
How Will I Know If Documentation Is Needed?
You will be informed of any required documentation during the application process. If additional information is requested, you can upload your documents right then to complete your submission, or return to your dashboard and upload them within 30 days.
Common Examples of What We May Request
If our team asks for additional information, the requested documents will depend on your source of income:
- Employment Income: Recent pay stubs (typically dated within the last 30 days showing year-to-date earnings) or recent W-2s.
- Self-Employment Income: Recent federal tax returns (all pages and schedules) or business bank statements. (Note: Remember to report your income after deducting business expenses.)
- Other Income Sources: If you choose to include additional income, such as retirement benefits, rental income, or an upcoming employment offer letter, we may ask for an award letter, lease agreement, or official job offer.
A Few Quick Tips
- Upload Complete Files: If tax forms or statements are requested, please upload them in their entirety (including all pages and schedules).
- Clear & Legible: Ensure that photos or PDFs are easy to read with all four corners visible.
- Match Application Details: Make sure the numbers, employer names, and personal details on your paperwork align with what you submitted on your application.
If you need assistance or have any questions about your application or the requested documents, we’re here to help! Please click the "Get In Touch" button below to connect with our Client Happiness Team.