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How do you make decisions? | Applying For Loans

At Earnest, we pride ourselves on trying to credit applicants for the hard work they have put into their financial profile and provide them with a competitive offer. While we do consider your Experian credit report, our decision process also reviews many aspects of your financial history that may not show on your credit report. We take a holistic approach in reviewing each application by considering multiple factors like your employment, education, savings patterns, payment history, debt-to-income ratio, and monetary assets. We try our best to credit applicants in different ways to show their financial responsibility.

It’s always our goal to be as transparent and forthcoming about our application process as possible. For more on the financial information our team may consider, take a look at this article and review our eligibility guidelines.

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