Earnest

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Earnest

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Earnest

Earnest

A lender is a financial institution, private or public group, or an individual that ensures funds are available to another, with the anticipation that the funds will be repaid. Repayment incorporates payment of any fees and interest and may be done as a lump sum or in increments. Usually, lenders offer funds for various reasons, such as a business loan, an automobile loan, or a mortgage.

 

About Earnest

Headquartered in San Francisco, Earnest is a fintech lender that uses technology to offers student loan refinancing and personal loans. Earnest utilizes algorithms and software to asses an individual’s full financial profile, employment, and education, going beyond the credit score used traditionally, to have an applicant’s total financial profile.


Products and services of Earnest
Earnest offers borrowers with student loan refinancing and personal loans but doesn’t focus on standard measures such as existing debt and credit scores. By use of technology, including machine learning technology and software algorithm, Earnest considers about 100,000 data pints, including income potential, spending, saving habits, and education. Over and above student loan refinancing Earnest offers personal loans ranging from $5,000 to $75,000.

Compliments, complaints, and tips for Earnest
Earnest allows it, clients, to customize and control their loan payments by time and amount through an online dashboard in their platform. As of October 2017, the company had roughly $500M in portfolio and had extended about $2B in student loans. The company serves clients in 45 states and the District of Columbia. If you have used Earnest services, leave a review on US-Reviews.