Earnest Review

Earnest

4.2

APR range	3.95% – 9.99%
Loan amount	$5,000 – $500,000
Term	5 yrs – 20 yrs
Min credit score	670
Fees	3 fee types
Rating	4.2 / 5

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Earnest specializes in student loan refinancing with rates as low as 3.95% APR (fixed). Rates include 0.25% autopay discount. Private new student loans start at 16.49% APR.

Pros

Zero fees (no origination, prepayment, or late fees)
Flexible terms from 5-20 years (to the month)
Competitive rates for refinancing
Fast application process

Cons

Refinancing only (not new private loans)
Higher rates for new private student loans (16%+)
Requires consistent income history

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