About
Earnest is a merit-based lender with a unique approach to personal lending and credit. The company considers a number of factors during its rigorous underwriting process, including not only an applicant’s credit history, but also their financial history, educational background, and professional achievements. They use this proprietary underwriting model to provide financially responsible people with loans at very low interest rates. Earnest currently offers personal loans and student loan refinancing with highly customizable repayment options.