Student loans
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120 Months
4.09 - 13.03%
fixed APR
$204
$204 was calculated based on a $15,000 loan with a rate of 10.64% over 120 months.
Per Month
Loan Details
No application, origination or disbursement fees
Customize your loan with flexible repayment options
Discount for enrolling in automatic payments
Cover up to 100% of college tuition and living expenses with a minimum loan amount of $1,000 and up to $200,000
After making 24 consecutive on-time payments, you may be able to release your cosigner
100% U.S. based customer service
1% Cash Back Graduation Reward upon satisfaction of certain terms and conditions
Protection Details
Auto Pay Discount
Borrowers can get a 0.25% - 2.00% interest rate reduction if payments are made by Automatic Debit
Forbearance
Ascent loans include deferment and forbearance options: Active Duty Military Deferment, In-School Deferment, Residency / Internship Deferment and Temporary Hardship Forbearance
Interest Payments Only
Student must be registered at least half time. The student will pay only the interest on the loan until graduation. After this full interest and principal payments must be made.
Payment Deferral
This option allows the borrower to postpone payments on the loan while the student is at least half-time enrolled at an eligible institution for up to 60 months
Rewards
1% Cash Back Graduation Reward: Borrowers are eligible to receive a 1% cash reward after graduation and upon meeting certain qualifying criteria
Ascent Student Loans are funded by Richland State Bank (RSB), Member FDIC. Loan products may not be available in certain jurisdictions. Certain restrictions, limitations; and terms and conditions may apply. For Ascent Terms and Conditions please visit: www.AscentStudentLoans.com/Ts&Cs
Rates are effective as of 03/01/2020 and reflect an automatic payment discount of 0.25% on the lowest offered rate and a 2.00% discount on the highest offered rate. Automatic Payment Discount is available if the borrower is enrolled in automatic payments from their personal checking account and the amount is successfully withdrawn from the authorized bank account each month. For Ascent rates and repayment examples please visit: www.AscentStudentLoans.com/Rates
1% Cash Back Graduation Reward subject to terms and conditions. For details, visit: www.AscentStudentLoans.com/CashBack
Rates are effective as of 03/01/2020 and reflect an automatic payment discount of 0.25% on the lowest offered rate and a 2.00% discount on the highest offered rate. Automatic Payment Discount is available if the borrower is enrolled in automatic payments from their personal checking account and the amount is successfully withdrawn from the authorized bank account each month. For Ascent rates and repayment examples please visit: www.AscentStudentLoans.com/Rates
1% Cash Back Graduation Reward subject to terms and conditions. For details, visit: www.AscentStudentLoans.com/CashBack
180 Months
5.79 - 7.20%
fixed APR
$131
$131 was calculated based on a $15,000 loan with a rate of 6.50% over 180 months.
Per Month
Protection Details
Auto Pay Discount
There is a 0.25% interest rate reduction when you set up auto-pay1
Forbearance
Up to two years of forebearance due to financial hardship
Payment Deferral
Deferred while in school
Offered terms are subject to change. Loans are offered by CommonBond Lending, LLC (NMLS # 1175900). If you are approved for a loan, the interest rate offered will depend on your credit profile, your application, the loan term selected and will be within the ranges of rates shown. 1All Annual Percentage Rates (APRs) displayed assume borrowers enroll in auto pay and account for the 0.25% reduction in interest rate. All variable rates are based on 1-month LIBOR
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240 Months
4.97 - 8.22%
fixed APR
$113
$113 was calculated based on a $15,000 loan with a rate of 6.60% over 240 months.
Per Month
Protection Details
Auto Pay Discount
There is a 0.25% interest rate reduction when you set up auto-pay1
Forbearance
Up to two years of forebearance due to financial hardship
Payment Deferral
Up to 32 months of deferment available
Offered terms are subject to change. Loans are offered by CommonBond Lending, LLC (NMLS # 1175900). If you are approved for a loan, the interest rate offered will depend on your credit profile, your application, the loan term selected and will be within the ranges of rates shown. 1All Annual Percentage Rates (APRs) displayed assume borrowers enroll in auto pay and account for the 0.25% reduction in interest rate. All variable rates are based on 1-month LIBOR
132 Months
6.14 - 8.77%
fixed APR
$167
$167 was calculated based on a $15,000 loan with a rate of 7.46% over 132 months.
Per Month
Loan Details
Earnest uses data and technology to understand every applicant's unique financial story and offer customized rates
Lower rates based on your future potential and full financial profile, not just your FICO® score
More savings: Earnest clients save $21,810 on average by refinancing
Flexible terms that let you pick your exact monthly payment, prepay with no penalty, or pay bi-weekly
Lifetime service provided in-house. Unlike other lenders, Earnest will never pass you off to third-party servicers
No fees for origination, prepayment or loan disbursement
Two-minute rate check with no obligation or impact to your credit score
Protection Details
Auto Pay Discount
Rate displayed includes the 0.25% APR discount for using auto-pay1
Forbearance
With documentation from your previous servicer to confirm, we may match your existing grace period for up to nine months.
Payment Deferral
Payment deferral is available in some cases, including post-graduation grace periods, economic hardship, enrollment in school, active military duty, and Peace Corps service.
To qualify, you must be a U.S. citizen or possess a 10-year (non-conditional) Permanent Resident Card, reside in a state Earnest lends in, and satisfy our minimum eligibility criteria. You may find more information on loan eligibility here: https://www.earnest.com/eligibility. Not all applicants will be approved for a loan, and not all applicants qualify for the lowest rate. Approval and interest rate depend on the review of a complete application.
Earnest's fixed rate loan rates range from 4.25% APR (with autopay) to 8.77% APR (with autopay). Variable rate loan rates range from 3.5% APR (with autopay) to 8.72% APR (with autopay). For variable rate loans, although the interest rate will vary after you are approved, the interest rate will never exceed 8.95% for loan terms of 10 years or less. For loan terms of 10 to 15 years, the interest rate will never exceed 9.95%. For loan terms over 15 years, the interest rate will never exceed 11.95% (the maximum rates for these loans). Earnest variable interest rate loans are based on a publicly available index, the one month London Interbank Offered Rate (LIBOR). Your rate will be calculated each month by adding a margin between 2.98% and 8.2% to the one month LIBOR. The rate will not increase more than once per month. Earnest rate ranges are current as of March 18, 2020 and are subject to change based on market conditions and borrower eligibility.
1Autopay Discount: If you make monthly principal and interest payments by an automatic, monthly deduction from a savings or checking account, your rate will be reduced by one quarter of one percent (0.25%) for so long as you continue to make automatic, electronic monthly payments. This benefit is suspended during periods of deferment and forbearance.
The information provided on this page is updated as of 3/18/20. Earnest reserves the right to change, pause, or terminate product offerings at any time without notice.
Earnest loans are originated by Earnest Operations LLC. California Finance Lender License 6054788. NMLS # 1204917. Earnest Operations LLC is located at 303 2nd Street, Suite 401N, San Francisco, CA 94107. Terms and Conditions apply. Visit https://www.earnest.com/terms-of-service, e-mail us at hello@earnest.com, or call 888-601-2801 for more information on our student loan refinance product.
Earnest's fixed rate loan rates range from 4.25% APR (with autopay) to 8.77% APR (with autopay). Variable rate loan rates range from 3.5% APR (with autopay) to 8.72% APR (with autopay). For variable rate loans, although the interest rate will vary after you are approved, the interest rate will never exceed 8.95% for loan terms of 10 years or less. For loan terms of 10 to 15 years, the interest rate will never exceed 9.95%. For loan terms over 15 years, the interest rate will never exceed 11.95% (the maximum rates for these loans). Earnest variable interest rate loans are based on a publicly available index, the one month London Interbank Offered Rate (LIBOR). Your rate will be calculated each month by adding a margin between 2.98% and 8.2% to the one month LIBOR. The rate will not increase more than once per month. Earnest rate ranges are current as of March 18, 2020 and are subject to change based on market conditions and borrower eligibility.
1Autopay Discount: If you make monthly principal and interest payments by an automatic, monthly deduction from a savings or checking account, your rate will be reduced by one quarter of one percent (0.25%) for so long as you continue to make automatic, electronic monthly payments. This benefit is suspended during periods of deferment and forbearance.
The information provided on this page is updated as of 3/18/20. Earnest reserves the right to change, pause, or terminate product offerings at any time without notice.
Earnest loans are originated by Earnest Operations LLC. California Finance Lender License 6054788. NMLS # 1204917. Earnest Operations LLC is located at 303 2nd Street, Suite 401N, San Francisco, CA 94107. Terms and Conditions apply. Visit https://www.earnest.com/terms-of-service, e-mail us at hello@earnest.com, or call 888-601-2801 for more information on our student loan refinance product.
240 Months
5.39 - 6.48%
fixed APR
$107
$107 was calculated based on a $15,000 loan with a rate of 5.94% over 240 months.
Per Month
Loan Details
Refinance and consolidate private and federal student loans
650 minimum FICO® Score
No origination fees and no prepayment penalties
Simple online application with live support 7 days a week
Career support - complimentary career coaching for SoFi members
Protection Details
Auto Pay Discount
There is a 0.25% interest rate reduction when you set up auto-pay
Payment Deferral
If you lose your job through no fault of your own, you may apply for Unemployment Protection. Terms and conditions apply, see https://www.sofi.com/legal/#3 for details.
Fixed rates from 3.20% APR to 6.48% APR (with AutoPay). Variable rates from 2.31% APR to 6.48% APR (with AutoPay). Interest rates on variable rate loans are capped at either 8.95% or 9.95% depending on term of loan. See APR examples and terms. Lowest variable rate of 2.31% APR assumes current 1 month LIBOR rate of 1.81% plus 0.75% margin minus 0.25% ACH discount. Not all borrowers receive the lowest rate. If approved for a loan, the fixed or variable interest rate offered will depend on your creditworthiness, and the term of the loan and other factors, and will be within the ranges of rates listed above. For the SoFi variable rate loan, the 1-month LIBOR index will adjust monthly and the loan payment will be re-amortized and may change monthly. APRs for variable rate loans may increase after origination if the LIBOR index increases. See eligibility details. The SoFi 0.25% AutoPay interest rate reduction requires you to agree to make monthly principal and interest payments by an automatic monthly deduction from a savings or checking account. The benefit will discontinue and be lost for periods in which you do not pay by automatic deduction from a savings or checking account. *To check the rates and terms you qualify for, SoFi conducts a soft credit inquiry. Unlike hard credit inquiries, soft credit inquiries (or soft credit pulls) do not impact your credit score. Soft credit inquiries allow SoFi to show you what rates and terms SoFi can offer you up front. After seeing your rates, if you choose a product and continue your application, we will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit inquiry. Hard credit inquiries (or hard credit pulls) are required for SoFi to be able to issue you a loan. In addition to requiring your explicit permission, these credit pulls may impact your credit score.
180 Months
6.49 - 9.64%
variable APR
$144
$144 was calculated based on a $15,000 loan with a rate of 8.07% over 180 months.
Per Month
Protection Details
Auto Pay Discount
There is a 0.25% interest rate reduction when you set up auto-pay1
Forbearance
Up to two years of forebearance due to financial hardship
Payment Deferral
Deferred while in school
Offered terms are subject to change. Loans are offered by CommonBond Lending, LLC (NMLS # 1175900). If you are approved for a loan, the interest rate offered will depend on your credit profile, your application, the loan term selected and will be within the ranges of rates shown. 1All Annual Percentage Rates (APRs) displayed assume borrowers enroll in auto pay and account for the 0.25% reduction in interest rate. All variable rates are based on 1-month LIBOR
60 Months
5.45 - 9.74%
fixed APR
$301
$301 was calculated based on a $15,000 loan with a rate of 7.60% over 60 months.
Per Month
Protection Details
Auto Pay Discount
There is a 0.25% interest rate reduction when you set up auto-pay1
Forbearance
Up to two years of forebearance due to financial hardship
Payment Deferral
Deferred while in school
Offered terms are subject to change. Loans are offered by CommonBond Lending, LLC (NMLS # 1175900). If you are approved for a loan, the interest rate offered will depend on your credit profile, your application, the loan term selected and will be within the ranges of rates shown. 1All Annual Percentage Rates (APRs) displayed assume borrowers enroll in auto pay and account for the 0.25% reduction in interest rate. All variable rates are based on 1-month LIBOR
168 Months
6.17 - 8.72%
variable APR
$144
$144 was calculated based on a $15,000 loan with a rate of 7.45% over 168 months.
Per Month
Loan Details
Earnest uses data and technology to understand every applicant's unique financial story and offer customized rates
Lower rates based on your future potential and full financial profile, not just your FICO® score
More savings: Earnest clients save $21,810 on average by refinancing
Flexible terms that let you pick your exact monthly payment, prepay with no penalty, or pay bi-weekly
Lifetime service provided in-house. Unlike other lenders, Earnest will never pass you off to third-party servicers
No fees for origination, prepayment or loan disbursement
Two-minute rate check with no obligation or impact to your credit score
Protection Details
Auto Pay Discount
Rate displayed includes the 0.25% APR discount for using auto-pay1
Forbearance
With documentation from your previous servicer to confirm, we may match your existing grace period for up to nine months.
Payment Deferral
Payment deferral is available in some cases, including post-graduation grace periods, economic hardship, enrollment in school, active military duty, and Peace Corps service.
To qualify, you must be a U.S. citizen or possess a 10-year (non-conditional) Permanent Resident Card, reside in a state Earnest lends in, and satisfy our minimum eligibility criteria. You may find more information on loan eligibility here: https://www.earnest.com/eligibility. Not all applicants will be approved for a loan, and not all applicants qualify for the lowest rate. Approval and interest rate depend on the review of a complete application.
Earnest's fixed rate loan rates range from 4.25% APR (with autopay) to 8.77% APR (with autopay). Variable rate loan rates range from 3.5% APR (with autopay) to 8.72% APR (with autopay). For variable rate loans, although the interest rate will vary after you are approved, the interest rate will never exceed 8.95% for loan terms of 10 years or less. For loan terms of 10 to 15 years, the interest rate will never exceed 9.95%. For loan terms over 15 years, the interest rate will never exceed 11.95% (the maximum rates for these loans). Earnest variable interest rate loans are based on a publicly available index, the one month London Interbank Offered Rate (LIBOR). Your rate will be calculated each month by adding a margin between 2.98% and 8.2% to the one month LIBOR. The rate will not increase more than once per month. Earnest rate ranges are current as of March 18, 2020 and are subject to change based on market conditions and borrower eligibility.
1Autopay Discount: If you make monthly principal and interest payments by an automatic, monthly deduction from a savings or checking account, your rate will be reduced by one quarter of one percent (0.25%) for so long as you continue to make automatic, electronic monthly payments. This benefit is suspended during periods of deferment and forbearance.
The information provided on this page is updated as of 3/18/20. Earnest reserves the right to change, pause, or terminate product offerings at any time without notice.
Earnest loans are originated by Earnest Operations LLC. California Finance Lender License 6054788. NMLS # 1204917. Earnest Operations LLC is located at 303 2nd Street, Suite 401N, San Francisco, CA 94107. Terms and Conditions apply. Visit https://www.earnest.com/terms-of-service, e-mail us at hello@earnest.com, or call 888-601-2801 for more information on our student loan refinance product.
Earnest's fixed rate loan rates range from 4.25% APR (with autopay) to 8.77% APR (with autopay). Variable rate loan rates range from 3.5% APR (with autopay) to 8.72% APR (with autopay). For variable rate loans, although the interest rate will vary after you are approved, the interest rate will never exceed 8.95% for loan terms of 10 years or less. For loan terms of 10 to 15 years, the interest rate will never exceed 9.95%. For loan terms over 15 years, the interest rate will never exceed 11.95% (the maximum rates for these loans). Earnest variable interest rate loans are based on a publicly available index, the one month London Interbank Offered Rate (LIBOR). Your rate will be calculated each month by adding a margin between 2.98% and 8.2% to the one month LIBOR. The rate will not increase more than once per month. Earnest rate ranges are current as of March 18, 2020 and are subject to change based on market conditions and borrower eligibility.
1Autopay Discount: If you make monthly principal and interest payments by an automatic, monthly deduction from a savings or checking account, your rate will be reduced by one quarter of one percent (0.25%) for so long as you continue to make automatic, electronic monthly payments. This benefit is suspended during periods of deferment and forbearance.
The information provided on this page is updated as of 3/18/20. Earnest reserves the right to change, pause, or terminate product offerings at any time without notice.
Earnest loans are originated by Earnest Operations LLC. California Finance Lender License 6054788. NMLS # 1204917. Earnest Operations LLC is located at 303 2nd Street, Suite 401N, San Francisco, CA 94107. Terms and Conditions apply. Visit https://www.earnest.com/terms-of-service, e-mail us at hello@earnest.com, or call 888-601-2801 for more information on our student loan refinance product.
228 Months
7.10 - 8.77%
fixed APR
$128
$128 was calculated based on a $15,000 loan with a rate of 7.93% over 228 months.
Per Month
Loan Details
Earnest uses data and technology to understand every applicant's unique financial story and offer customized rates
Lower rates based on your future potential and full financial profile, not just your FICO® score
More savings: Earnest clients save $21,810 on average by refinancing
Flexible terms that let you pick your exact monthly payment, prepay with no penalty, or pay bi-weekly
Lifetime service provided in-house. Unlike other lenders, Earnest will never pass you off to third-party servicers
No fees for origination, prepayment or loan disbursement
Two-minute rate check with no obligation or impact to your credit score
Protection Details
Auto Pay Discount
Rate displayed includes the 0.25% APR discount for using auto-pay1
Forbearance
With documentation from your previous servicer to confirm, we may match your existing grace period for up to nine months.
Payment Deferral
Payment deferral is available in some cases, including post-graduation grace periods, economic hardship, enrollment in school, active military duty, and Peace Corps service.
To qualify, you must be a U.S. citizen or possess a 10-year (non-conditional) Permanent Resident Card, reside in a state Earnest lends in, and satisfy our minimum eligibility criteria. You may find more information on loan eligibility here: https://www.earnest.com/eligibility. Not all applicants will be approved for a loan, and not all applicants qualify for the lowest rate. Approval and interest rate depend on the review of a complete application.
Earnest's fixed rate loan rates range from 4.25% APR (with autopay) to 8.77% APR (with autopay). Variable rate loan rates range from 3.5% APR (with autopay) to 8.72% APR (with autopay). For variable rate loans, although the interest rate will vary after you are approved, the interest rate will never exceed 8.95% for loan terms of 10 years or less. For loan terms of 10 to 15 years, the interest rate will never exceed 9.95%. For loan terms over 15 years, the interest rate will never exceed 11.95% (the maximum rates for these loans). Earnest variable interest rate loans are based on a publicly available index, the one month London Interbank Offered Rate (LIBOR). Your rate will be calculated each month by adding a margin between 2.98% and 8.2% to the one month LIBOR. The rate will not increase more than once per month. Earnest rate ranges are current as of March 18, 2020 and are subject to change based on market conditions and borrower eligibility.
1Autopay Discount: If you make monthly principal and interest payments by an automatic, monthly deduction from a savings or checking account, your rate will be reduced by one quarter of one percent (0.25%) for so long as you continue to make automatic, electronic monthly payments. This benefit is suspended during periods of deferment and forbearance.
The information provided on this page is updated as of 3/18/20. Earnest reserves the right to change, pause, or terminate product offerings at any time without notice.
Earnest loans are originated by Earnest Operations LLC. California Finance Lender License 6054788. NMLS # 1204917. Earnest Operations LLC is located at 303 2nd Street, Suite 401N, San Francisco, CA 94107. Terms and Conditions apply. Visit https://www.earnest.com/terms-of-service, e-mail us at hello@earnest.com, or call 888-601-2801 for more information on our student loan refinance product.
Earnest's fixed rate loan rates range from 4.25% APR (with autopay) to 8.77% APR (with autopay). Variable rate loan rates range from 3.5% APR (with autopay) to 8.72% APR (with autopay). For variable rate loans, although the interest rate will vary after you are approved, the interest rate will never exceed 8.95% for loan terms of 10 years or less. For loan terms of 10 to 15 years, the interest rate will never exceed 9.95%. For loan terms over 15 years, the interest rate will never exceed 11.95% (the maximum rates for these loans). Earnest variable interest rate loans are based on a publicly available index, the one month London Interbank Offered Rate (LIBOR). Your rate will be calculated each month by adding a margin between 2.98% and 8.2% to the one month LIBOR. The rate will not increase more than once per month. Earnest rate ranges are current as of March 18, 2020 and are subject to change based on market conditions and borrower eligibility.
1Autopay Discount: If you make monthly principal and interest payments by an automatic, monthly deduction from a savings or checking account, your rate will be reduced by one quarter of one percent (0.25%) for so long as you continue to make automatic, electronic monthly payments. This benefit is suspended during periods of deferment and forbearance.
The information provided on this page is updated as of 3/18/20. Earnest reserves the right to change, pause, or terminate product offerings at any time without notice.
Earnest loans are originated by Earnest Operations LLC. California Finance Lender License 6054788. NMLS # 1204917. Earnest Operations LLC is located at 303 2nd Street, Suite 401N, San Francisco, CA 94107. Terms and Conditions apply. Visit https://www.earnest.com/terms-of-service, e-mail us at hello@earnest.com, or call 888-601-2801 for more information on our student loan refinance product.
192 Months
6.45 - 8.72%
variable APR
$135
$135 was calculated based on a $15,000 loan with a rate of 7.59% over 192 months.
Per Month
Loan Details
Earnest uses data and technology to understand every applicant's unique financial story and offer customized rates
Lower rates based on your future potential and full financial profile, not just your FICO® score
More savings: Earnest clients save $21,810 on average by refinancing
Flexible terms that let you pick your exact monthly payment, prepay with no penalty, or pay bi-weekly
Lifetime service provided in-house. Unlike other lenders, Earnest will never pass you off to third-party servicers
No fees for origination, prepayment or loan disbursement
Two-minute rate check with no obligation or impact to your credit score
Protection Details
Auto Pay Discount
Rate displayed includes the 0.25% APR discount for using auto-pay1
Forbearance
With documentation from your previous servicer to confirm, we may match your existing grace period for up to nine months.
Payment Deferral
Payment deferral is available in some cases, including post-graduation grace periods, economic hardship, enrollment in school, active military duty, and Peace Corps service.
To qualify, you must be a U.S. citizen or possess a 10-year (non-conditional) Permanent Resident Card, reside in a state Earnest lends in, and satisfy our minimum eligibility criteria. You may find more information on loan eligibility here: https://www.earnest.com/eligibility. Not all applicants will be approved for a loan, and not all applicants qualify for the lowest rate. Approval and interest rate depend on the review of a complete application.
Earnest's fixed rate loan rates range from 4.25% APR (with autopay) to 8.77% APR (with autopay). Variable rate loan rates range from 3.5% APR (with autopay) to 8.72% APR (with autopay). For variable rate loans, although the interest rate will vary after you are approved, the interest rate will never exceed 8.95% for loan terms of 10 years or less. For loan terms of 10 to 15 years, the interest rate will never exceed 9.95%. For loan terms over 15 years, the interest rate will never exceed 11.95% (the maximum rates for these loans). Earnest variable interest rate loans are based on a publicly available index, the one month London Interbank Offered Rate (LIBOR). Your rate will be calculated each month by adding a margin between 2.98% and 8.2% to the one month LIBOR. The rate will not increase more than once per month. Earnest rate ranges are current as of March 18, 2020 and are subject to change based on market conditions and borrower eligibility.
1Autopay Discount: If you make monthly principal and interest payments by an automatic, monthly deduction from a savings or checking account, your rate will be reduced by one quarter of one percent (0.25%) for so long as you continue to make automatic, electronic monthly payments. This benefit is suspended during periods of deferment and forbearance.
The information provided on this page is updated as of 3/18/20. Earnest reserves the right to change, pause, or terminate product offerings at any time without notice.
Earnest loans are originated by Earnest Operations LLC. California Finance Lender License 6054788. NMLS # 1204917. Earnest Operations LLC is located at 303 2nd Street, Suite 401N, San Francisco, CA 94107. Terms and Conditions apply. Visit https://www.earnest.com/terms-of-service, e-mail us at hello@earnest.com, or call 888-601-2801 for more information on our student loan refinance product.
Earnest's fixed rate loan rates range from 4.25% APR (with autopay) to 8.77% APR (with autopay). Variable rate loan rates range from 3.5% APR (with autopay) to 8.72% APR (with autopay). For variable rate loans, although the interest rate will vary after you are approved, the interest rate will never exceed 8.95% for loan terms of 10 years or less. For loan terms of 10 to 15 years, the interest rate will never exceed 9.95%. For loan terms over 15 years, the interest rate will never exceed 11.95% (the maximum rates for these loans). Earnest variable interest rate loans are based on a publicly available index, the one month London Interbank Offered Rate (LIBOR). Your rate will be calculated each month by adding a margin between 2.98% and 8.2% to the one month LIBOR. The rate will not increase more than once per month. Earnest rate ranges are current as of March 18, 2020 and are subject to change based on market conditions and borrower eligibility.
1Autopay Discount: If you make monthly principal and interest payments by an automatic, monthly deduction from a savings or checking account, your rate will be reduced by one quarter of one percent (0.25%) for so long as you continue to make automatic, electronic monthly payments. This benefit is suspended during periods of deferment and forbearance.
The information provided on this page is updated as of 3/18/20. Earnest reserves the right to change, pause, or terminate product offerings at any time without notice.
Earnest loans are originated by Earnest Operations LLC. California Finance Lender License 6054788. NMLS # 1204917. Earnest Operations LLC is located at 303 2nd Street, Suite 401N, San Francisco, CA 94107. Terms and Conditions apply. Visit https://www.earnest.com/terms-of-service, e-mail us at hello@earnest.com, or call 888-601-2801 for more information on our student loan refinance product.
120 Months
4.02 - 7.07%
fixed APR
$163
$163 was calculated based on a $15,000 loan with a rate of 5.54% over 120 months.
Per Month
Protection Details
Auto Pay Discount
There is a 0.25% interest rate reduction when you set up auto-pay1
Forbearance
Up to two years of forebearance due to financial hardship
Payment Deferral
Up to 32 months of deferment available
Offered terms are subject to change. Loans are offered by CommonBond Lending, LLC (NMLS # 1175900). If you are approved for a loan, the interest rate offered will depend on your credit profile, your application, the loan term selected and will be within the ranges of rates shown. 1All Annual Percentage Rates (APRs) displayed assume borrowers enroll in auto pay and account for the 0.25% reduction in interest rate. All variable rates are based on 1-month LIBOR
216 Months
6.90 - 8.77%
fixed APR
$130
$130 was calculated based on a $15,000 loan with a rate of 7.83% over 216 months.
Per Month
Loan Details
Earnest uses data and technology to understand every applicant's unique financial story and offer customized rates
Lower rates based on your future potential and full financial profile, not just your FICO® score
More savings: Earnest clients save $21,810 on average by refinancing
Flexible terms that let you pick your exact monthly payment, prepay with no penalty, or pay bi-weekly
Lifetime service provided in-house. Unlike other lenders, Earnest will never pass you off to third-party servicers
No fees for origination, prepayment or loan disbursement
Two-minute rate check with no obligation or impact to your credit score
Protection Details
Auto Pay Discount
Rate displayed includes the 0.25% APR discount for using auto-pay1
Forbearance
With documentation from your previous servicer to confirm, we may match your existing grace period for up to nine months.
Payment Deferral
Payment deferral is available in some cases, including post-graduation grace periods, economic hardship, enrollment in school, active military duty, and Peace Corps service.
To qualify, you must be a U.S. citizen or possess a 10-year (non-conditional) Permanent Resident Card, reside in a state Earnest lends in, and satisfy our minimum eligibility criteria. You may find more information on loan eligibility here: https://www.earnest.com/eligibility. Not all applicants will be approved for a loan, and not all applicants qualify for the lowest rate. Approval and interest rate depend on the review of a complete application.
Earnest's fixed rate loan rates range from 4.25% APR (with autopay) to 8.77% APR (with autopay). Variable rate loan rates range from 3.5% APR (with autopay) to 8.72% APR (with autopay). For variable rate loans, although the interest rate will vary after you are approved, the interest rate will never exceed 8.95% for loan terms of 10 years or less. For loan terms of 10 to 15 years, the interest rate will never exceed 9.95%. For loan terms over 15 years, the interest rate will never exceed 11.95% (the maximum rates for these loans). Earnest variable interest rate loans are based on a publicly available index, the one month London Interbank Offered Rate (LIBOR). Your rate will be calculated each month by adding a margin between 2.98% and 8.2% to the one month LIBOR. The rate will not increase more than once per month. Earnest rate ranges are current as of March 18, 2020 and are subject to change based on market conditions and borrower eligibility.
1Autopay Discount: If you make monthly principal and interest payments by an automatic, monthly deduction from a savings or checking account, your rate will be reduced by one quarter of one percent (0.25%) for so long as you continue to make automatic, electronic monthly payments. This benefit is suspended during periods of deferment and forbearance.
The information provided on this page is updated as of 3/18/20. Earnest reserves the right to change, pause, or terminate product offerings at any time without notice.
Earnest loans are originated by Earnest Operations LLC. California Finance Lender License 6054788. NMLS # 1204917. Earnest Operations LLC is located at 303 2nd Street, Suite 401N, San Francisco, CA 94107. Terms and Conditions apply. Visit https://www.earnest.com/terms-of-service, e-mail us at hello@earnest.com, or call 888-601-2801 for more information on our student loan refinance product.
Earnest's fixed rate loan rates range from 4.25% APR (with autopay) to 8.77% APR (with autopay). Variable rate loan rates range from 3.5% APR (with autopay) to 8.72% APR (with autopay). For variable rate loans, although the interest rate will vary after you are approved, the interest rate will never exceed 8.95% for loan terms of 10 years or less. For loan terms of 10 to 15 years, the interest rate will never exceed 9.95%. For loan terms over 15 years, the interest rate will never exceed 11.95% (the maximum rates for these loans). Earnest variable interest rate loans are based on a publicly available index, the one month London Interbank Offered Rate (LIBOR). Your rate will be calculated each month by adding a margin between 2.98% and 8.2% to the one month LIBOR. The rate will not increase more than once per month. Earnest rate ranges are current as of March 18, 2020 and are subject to change based on market conditions and borrower eligibility.
1Autopay Discount: If you make monthly principal and interest payments by an automatic, monthly deduction from a savings or checking account, your rate will be reduced by one quarter of one percent (0.25%) for so long as you continue to make automatic, electronic monthly payments. This benefit is suspended during periods of deferment and forbearance.
The information provided on this page is updated as of 3/18/20. Earnest reserves the right to change, pause, or terminate product offerings at any time without notice.
Earnest loans are originated by Earnest Operations LLC. California Finance Lender License 6054788. NMLS # 1204917. Earnest Operations LLC is located at 303 2nd Street, Suite 401N, San Francisco, CA 94107. Terms and Conditions apply. Visit https://www.earnest.com/terms-of-service, e-mail us at hello@earnest.com, or call 888-601-2801 for more information on our student loan refinance product.
60 Months
5.40 - 9.74%
fixed APR
$301
$301 was calculated based on a $15,000 loan with a rate of 7.57% over 60 months.
Per Month
Protection Details
Auto Pay Discount
There is a 0.25% interest rate reduction when you set up auto-pay1
Forbearance
Up to two years of forebearance due to financial hardship
Payment Deferral
Deferred while in school
Offered terms are subject to change. Loans are offered by CommonBond Lending, LLC (NMLS # 1175900). If you are approved for a loan, the interest rate offered will depend on your credit profile, your application, the loan term selected and will be within the ranges of rates shown. 1All Annual Percentage Rates (APRs) displayed assume borrowers enroll in auto pay and account for the 0.25% reduction in interest rate. All variable rates are based on 1-month LIBOR
60 Months
3.2 - 4.64%
fixed APR
$276
$276 was calculated based on a $15,000 loan with a rate of 3.92% over 60 months.
Per Month
Loan Details
Refinance and consolidate private and federal student loans
650 minimum FICO® Score
No origination fees and no prepayment penalties
Simple online application with live support 7 days a week
Career support - complimentary career coaching for SoFi members
Protection Details
Auto Pay Discount
There is a 0.25% interest rate reduction when you set up auto-pay
Payment Deferral
If you lose your job through no fault of your own, you may apply for Unemployment Protection. Terms and conditions apply, see https://www.sofi.com/legal/#3 for details.
Fixed rates from 3.20% APR to 6.48% APR (with AutoPay). Variable rates from 2.31% APR to 6.48% APR (with AutoPay). Interest rates on variable rate loans are capped at either 8.95% or 9.95% depending on term of loan. See APR examples and terms. Lowest variable rate of 2.31% APR assumes current 1 month LIBOR rate of 1.81% plus 0.75% margin minus 0.25% ACH discount. Not all borrowers receive the lowest rate. If approved for a loan, the fixed or variable interest rate offered will depend on your creditworthiness, and the term of the loan and other factors, and will be within the ranges of rates listed above. For the SoFi variable rate loan, the 1-month LIBOR index will adjust monthly and the loan payment will be re-amortized and may change monthly. APRs for variable rate loans may increase after origination if the LIBOR index increases. See eligibility details. The SoFi 0.25% AutoPay interest rate reduction requires you to agree to make monthly principal and interest payments by an automatic monthly deduction from a savings or checking account. The benefit will discontinue and be lost for periods in which you do not pay by automatic deduction from a savings or checking account. *To check the rates and terms you qualify for, SoFi conducts a soft credit inquiry. Unlike hard credit inquiries, soft credit inquiries (or soft credit pulls) do not impact your credit score. Soft credit inquiries allow SoFi to show you what rates and terms SoFi can offer you up front. After seeing your rates, if you choose a product and continue your application, we will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit inquiry. Hard credit inquiries (or hard credit pulls) are required for SoFi to be able to issue you a loan. In addition to requiring your explicit permission, these credit pulls may impact your credit score.
84 Months
3.47 - 5.14%
variable APR
$207
$207 was calculated based on a $15,000 loan with a rate of 4.30% over 84 months.
Per Month
Loan Details
Low Rates and Flexible Terms1: Education Loan Finance strives to offer among the lowest student loan refinancing rates in the industry for both fixed and variable rate loans with flexible terms from 5 to 20 years
No Application Fees, Origination Fees, or Prepayment Penalties
Loan Amounts Starting at $15,000 and Up
Consolidate Multiple Loans (Federal and Private) into One Easy Monthly Payment. Refinancing of Parent Loans Also Offered.
Get Your Rate. With Education Loan Finance's Find My Rate tool, you can complete a short application to receive a preliminary quote on your eligible rates and terms, all without affecting your credit score.
Apply in Minutes. Our online loan application is fast and simple.
Outstanding Personalized Service. Our Personal Loan Advisors specialize in helping borrowers save money by recommending personalized refinance options for eligible borrowers.
Student Lending Experience: Education Loan Finance isn't a start-up company - we have a longstanding history and expertise in serving student loan borrowers
Education Loan Finance Referral Program2: Refinance your student loan with us and earn $400 for each new client you refer through our generous referral program
Protection Details
Disclosure1Subject to credit approval. Terms and conditions apply. http://www.elfi.com/terms/
2Visit website for full details. Restrictions apply.
2Visit website for full details. Restrictions apply.
156 Months
6.18 - 8.77%
fixed APR
$151
$151 was calculated based on a $15,000 loan with a rate of 7.47% over 156 months.
Per Month
Loan Details
Earnest uses data and technology to understand every applicant's unique financial story and offer customized rates
Lower rates based on your future potential and full financial profile, not just your FICO® score
More savings: Earnest clients save $21,810 on average by refinancing
Flexible terms that let you pick your exact monthly payment, prepay with no penalty, or pay bi-weekly
Lifetime service provided in-house. Unlike other lenders, Earnest will never pass you off to third-party servicers
No fees for origination, prepayment or loan disbursement
Two-minute rate check with no obligation or impact to your credit score
Protection Details
Auto Pay Discount
Rate displayed includes the 0.25% APR discount for using auto-pay1
Forbearance
With documentation from your previous servicer to confirm, we may match your existing grace period for up to nine months.
Payment Deferral
Payment deferral is available in some cases, including post-graduation grace periods, economic hardship, enrollment in school, active military duty, and Peace Corps service.
To qualify, you must be a U.S. citizen or possess a 10-year (non-conditional) Permanent Resident Card, reside in a state Earnest lends in, and satisfy our minimum eligibility criteria. You may find more information on loan eligibility here: https://www.earnest.com/eligibility. Not all applicants will be approved for a loan, and not all applicants qualify for the lowest rate. Approval and interest rate depend on the review of a complete application.
Earnest's fixed rate loan rates range from 4.25% APR (with autopay) to 8.77% APR (with autopay). Variable rate loan rates range from 3.5% APR (with autopay) to 8.72% APR (with autopay). For variable rate loans, although the interest rate will vary after you are approved, the interest rate will never exceed 8.95% for loan terms of 10 years or less. For loan terms of 10 to 15 years, the interest rate will never exceed 9.95%. For loan terms over 15 years, the interest rate will never exceed 11.95% (the maximum rates for these loans). Earnest variable interest rate loans are based on a publicly available index, the one month London Interbank Offered Rate (LIBOR). Your rate will be calculated each month by adding a margin between 2.98% and 8.2% to the one month LIBOR. The rate will not increase more than once per month. Earnest rate ranges are current as of March 18, 2020 and are subject to change based on market conditions and borrower eligibility.
1Autopay Discount: If you make monthly principal and interest payments by an automatic, monthly deduction from a savings or checking account, your rate will be reduced by one quarter of one percent (0.25%) for so long as you continue to make automatic, electronic monthly payments. This benefit is suspended during periods of deferment and forbearance.
The information provided on this page is updated as of 3/18/20. Earnest reserves the right to change, pause, or terminate product offerings at any time without notice.
Earnest loans are originated by Earnest Operations LLC. California Finance Lender License 6054788. NMLS # 1204917. Earnest Operations LLC is located at 303 2nd Street, Suite 401N, San Francisco, CA 94107. Terms and Conditions apply. Visit https://www.earnest.com/terms-of-service, e-mail us at hello@earnest.com, or call 888-601-2801 for more information on our student loan refinance product.
Earnest's fixed rate loan rates range from 4.25% APR (with autopay) to 8.77% APR (with autopay). Variable rate loan rates range from 3.5% APR (with autopay) to 8.72% APR (with autopay). For variable rate loans, although the interest rate will vary after you are approved, the interest rate will never exceed 8.95% for loan terms of 10 years or less. For loan terms of 10 to 15 years, the interest rate will never exceed 9.95%. For loan terms over 15 years, the interest rate will never exceed 11.95% (the maximum rates for these loans). Earnest variable interest rate loans are based on a publicly available index, the one month London Interbank Offered Rate (LIBOR). Your rate will be calculated each month by adding a margin between 2.98% and 8.2% to the one month LIBOR. The rate will not increase more than once per month. Earnest rate ranges are current as of March 18, 2020 and are subject to change based on market conditions and borrower eligibility.
1Autopay Discount: If you make monthly principal and interest payments by an automatic, monthly deduction from a savings or checking account, your rate will be reduced by one quarter of one percent (0.25%) for so long as you continue to make automatic, electronic monthly payments. This benefit is suspended during periods of deferment and forbearance.
The information provided on this page is updated as of 3/18/20. Earnest reserves the right to change, pause, or terminate product offerings at any time without notice.
Earnest loans are originated by Earnest Operations LLC. California Finance Lender License 6054788. NMLS # 1204917. Earnest Operations LLC is located at 303 2nd Street, Suite 401N, San Francisco, CA 94107. Terms and Conditions apply. Visit https://www.earnest.com/terms-of-service, e-mail us at hello@earnest.com, or call 888-601-2801 for more information on our student loan refinance product.
240 Months
4.70 - 7.95%
variable APR
$110
$110 was calculated based on a $15,000 loan with a rate of 6.33% over 240 months.
Per Month
Protection Details
Auto Pay Discount
There is a 0.25% interest rate reduction when you set up auto-pay1
Forbearance
Up to two years of forebearance due to financial hardship
Payment Deferral
Up to 32 months of deferment available
Offered terms are subject to change. Loans are offered by CommonBond Lending, LLC (NMLS # 1175900). If you are approved for a loan, the interest rate offered will depend on your credit profile, your application, the loan term selected and will be within the ranges of rates shown. 1All Annual Percentage Rates (APRs) displayed assume borrowers enroll in auto pay and account for the 0.25% reduction in interest rate. All variable rates are based on 1-month LIBOR
120 Months
5.37 - 6.77%
fixed APR
$167
$167 was calculated based on a $15,000 loan with a rate of 6.07% over 120 months.
Per Month
Protection Details
Auto Pay Discount
There is a 0.25% interest rate reduction when you set up auto-pay1
Forbearance
Up to two years of forebearance due to financial hardship
Payment Deferral
Deferred while in school
Offered terms are subject to change. Loans are offered by CommonBond Lending, LLC (NMLS # 1175900). If you are approved for a loan, the interest rate offered will depend on your credit profile, your application, the loan term selected and will be within the ranges of rates shown. 1All Annual Percentage Rates (APRs) displayed assume borrowers enroll in auto pay and account for the 0.25% reduction in interest rate. All variable rates are based on 1-month LIBOR
84 Months
3.98 - 4.64%
fixed APR
$207
$207 was calculated based on a $15,000 loan with a rate of 4.31% over 84 months.
Per Month
Loan Details
Refinance and consolidate private and federal student loans
650 minimum FICO® Score
No origination fees and no prepayment penalties
Simple online application with live support 7 days a week
Career support - complimentary career coaching for SoFi members
Protection Details
Auto Pay Discount
There is a 0.25% interest rate reduction when you set up auto-pay
Payment Deferral
If you lose your job through no fault of your own, you may apply for Unemployment Protection. Terms and conditions apply, see https://www.sofi.com/legal/#3 for details.
Fixed rates from 3.20% APR to 6.48% APR (with AutoPay). Variable rates from 2.31% APR to 6.48% APR (with AutoPay). Interest rates on variable rate loans are capped at either 8.95% or 9.95% depending on term of loan. See APR examples and terms. Lowest variable rate of 2.31% APR assumes current 1 month LIBOR rate of 1.81% plus 0.75% margin minus 0.25% ACH discount. Not all borrowers receive the lowest rate. If approved for a loan, the fixed or variable interest rate offered will depend on your creditworthiness, and the term of the loan and other factors, and will be within the ranges of rates listed above. For the SoFi variable rate loan, the 1-month LIBOR index will adjust monthly and the loan payment will be re-amortized and may change monthly. APRs for variable rate loans may increase after origination if the LIBOR index increases. See eligibility details. The SoFi 0.25% AutoPay interest rate reduction requires you to agree to make monthly principal and interest payments by an automatic monthly deduction from a savings or checking account. The benefit will discontinue and be lost for periods in which you do not pay by automatic deduction from a savings or checking account. *To check the rates and terms you qualify for, SoFi conducts a soft credit inquiry. Unlike hard credit inquiries, soft credit inquiries (or soft credit pulls) do not impact your credit score. Soft credit inquiries allow SoFi to show you what rates and terms SoFi can offer you up front. After seeing your rates, if you choose a product and continue your application, we will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit inquiry. Hard credit inquiries (or hard credit pulls) are required for SoFi to be able to issue you a loan. In addition to requiring your explicit permission, these credit pulls may impact your credit score.
60 Months
4.5 - 5.99%
fixed APR
$285
$285 was calculated based on a $15,000 loan with a rate of 5.25% over 60 months.
Per Month
Loan Details
Low Rates and Flexible Terms1: Education Loan Finance strives to offer among the lowest student loan refinancing rates in the industry for both fixed and variable rate loans with flexible terms from 5 to 20 years
No Application Fees, Origination Fees, or Prepayment Penalties
Loan Amounts Starting at $15,000 and Up
Consolidate Multiple Loans (Federal and Private) into One Easy Monthly Payment. Refinancing of Parent Loans Also Offered.
Get Your Rate. With Education Loan Finance's Find My Rate tool, you can complete a short application to receive a preliminary quote on your eligible rates and terms, all without affecting your credit score.
Apply in Minutes. Our online loan application is fast and simple.
Outstanding Personalized Service. Our Personal Loan Advisors specialize in helping borrowers save money by recommending personalized refinance options for eligible borrowers.
Student Lending Experience: Education Loan Finance isn't a start-up company - we have a longstanding history and expertise in serving student loan borrowers
Education Loan Finance Referral Program2: Refinance your student loan with us and earn $400 for each new client you refer through our generous referral program
Protection Details
Disclosure1Subject to credit approval. Terms and conditions apply. http://www.elfi.com/terms/
2Visit website for full details. Restrictions apply.
2Visit website for full details. Restrictions apply.
180 Months
6.07 - 7.05%
variable APR
$131
$131 was calculated based on a $15,000 loan with a rate of 6.56% over 180 months.
Per Month
Protection Details
Auto Pay Discount
There is a 0.25% interest rate reduction when you set up auto-pay1
Forbearance
Up to two years of forebearance due to financial hardship
Payment Deferral
Deferred while in school
Offered terms are subject to change. Loans are offered by CommonBond Lending, LLC (NMLS # 1175900). If you are approved for a loan, the interest rate offered will depend on your credit profile, your application, the loan term selected and will be within the ranges of rates shown. 1All Annual Percentage Rates (APRs) displayed assume borrowers enroll in auto pay and account for the 0.25% reduction in interest rate. All variable rates are based on 1-month LIBOR
84 Months
4.72 - 6.48%
fixed APR
$216
$216 was calculated based on a $15,000 loan with a rate of 5.60% over 84 months.
Per Month
Loan Details
Low Rates and Flexible Terms1: Education Loan Finance strives to offer among the lowest student loan refinancing rates in the industry for both fixed and variable rate loans with flexible terms from 5 to 20 years
No Application Fees, Origination Fees, or Prepayment Penalties
Loan Amounts Starting at $15,000 and Up
Consolidate Multiple Loans (Federal and Private) into One Easy Monthly Payment. Refinancing of Parent Loans Also Offered.
Get Your Rate. With Education Loan Finance's Find My Rate tool, you can complete a short application to receive a preliminary quote on your eligible rates and terms, all without affecting your credit score.
Apply in Minutes. Our online loan application is fast and simple.
Outstanding Personalized Service. Our Personal Loan Advisors specialize in helping borrowers save money by recommending personalized refinance options for eligible borrowers.
Student Lending Experience: Education Loan Finance isn't a start-up company - we have a longstanding history and expertise in serving student loan borrowers
Education Loan Finance Referral Program2: Refinance your student loan with us and earn $400 for each new client you refer through our generous referral program
Protection Details
Disclosure1Subject to credit approval. Terms and conditions apply. http://www.elfi.com/terms/
2Visit website for full details. Restrictions apply.
2Visit website for full details. Restrictions apply.
180 Months
4.69 - 5.59%
fixed APR
$120
$120 was calculated based on a $15,000 loan with a rate of 5.14% over 180 months.
Per Month
Loan Details
Refinance and consolidate private and federal student loans
650 minimum FICO® Score
No origination fees and no prepayment penalties
Simple online application with live support 7 days a week
Career support - complimentary career coaching for SoFi members
Protection Details
Auto Pay Discount
There is a 0.25% interest rate reduction when you set up auto-pay
Payment Deferral
If you lose your job through no fault of your own, you may apply for Unemployment Protection. Terms and conditions apply, see https://www.sofi.com/legal/#3 for details.
Fixed rates from 3.20% APR to 6.48% APR (with AutoPay). Variable rates from 2.31% APR to 6.48% APR (with AutoPay). Interest rates on variable rate loans are capped at either 8.95% or 9.95% depending on term of loan. See APR examples and terms. Lowest variable rate of 2.31% APR assumes current 1 month LIBOR rate of 1.81% plus 0.75% margin minus 0.25% ACH discount. Not all borrowers receive the lowest rate. If approved for a loan, the fixed or variable interest rate offered will depend on your creditworthiness, and the term of the loan and other factors, and will be within the ranges of rates listed above. For the SoFi variable rate loan, the 1-month LIBOR index will adjust monthly and the loan payment will be re-amortized and may change monthly. APRs for variable rate loans may increase after origination if the LIBOR index increases. See eligibility details. The SoFi 0.25% AutoPay interest rate reduction requires you to agree to make monthly principal and interest payments by an automatic monthly deduction from a savings or checking account. The benefit will discontinue and be lost for periods in which you do not pay by automatic deduction from a savings or checking account. *To check the rates and terms you qualify for, SoFi conducts a soft credit inquiry. Unlike hard credit inquiries, soft credit inquiries (or soft credit pulls) do not impact your credit score. Soft credit inquiries allow SoFi to show you what rates and terms SoFi can offer you up front. After seeing your rates, if you choose a product and continue your application, we will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit inquiry. Hard credit inquiries (or hard credit pulls) are required for SoFi to be able to issue you a loan. In addition to requiring your explicit permission, these credit pulls may impact your credit score.
120 Months
5.85 - 9.74%
fixed APR
$180
$180 was calculated based on a $15,000 loan with a rate of 7.79% over 120 months.
Per Month
Protection Details
Auto Pay Discount
There is a 0.25% interest rate reduction when you set up auto-pay1
Forbearance
Up to two years of forebearance due to financial hardship
Payment Deferral
Deferred while in school
Offered terms are subject to change. Loans are offered by CommonBond Lending, LLC (NMLS # 1175900). If you are approved for a loan, the interest rate offered will depend on your credit profile, your application, the loan term selected and will be within the ranges of rates shown. 1All Annual Percentage Rates (APRs) displayed assume borrowers enroll in auto pay and account for the 0.25% reduction in interest rate. All variable rates are based on 1-month LIBOR
180 Months
5.35 - 6.69%
fixed APR
$127
$127 was calculated based on a $15,000 loan with a rate of 6.02% over 180 months.
Per Month
Loan Details
Low Rates and Flexible Terms1: Education Loan Finance strives to offer among the lowest student loan refinancing rates in the industry for both fixed and variable rate loans with flexible terms from 5 to 20 years
No Application Fees, Origination Fees, or Prepayment Penalties
Loan Amounts Starting at $15,000 and Up
Consolidate Multiple Loans (Federal and Private) into One Easy Monthly Payment. Refinancing of Parent Loans Also Offered.
Get Your Rate. With Education Loan Finance's Find My Rate tool, you can complete a short application to receive a preliminary quote on your eligible rates and terms, all without affecting your credit score.
Apply in Minutes. Our online loan application is fast and simple.
Outstanding Personalized Service. Our Personal Loan Advisors specialize in helping borrowers save money by recommending personalized refinance options for eligible borrowers.
Student Lending Experience: Education Loan Finance isn't a start-up company - we have a longstanding history and expertise in serving student loan borrowers
Education Loan Finance Referral Program2: Refinance your student loan with us and earn $400 for each new client you refer through our generous referral program
Protection Details
Disclosure1Subject to credit approval. Terms and conditions apply. http://www.elfi.com/terms/
2Visit website for full details. Restrictions apply.
2Visit website for full details. Restrictions apply.
240 Months
5.82 - 6.69%
fixed APR
$110
$110 was calculated based on a $15,000 loan with a rate of 6.26% over 240 months.
Per Month
Loan Details
Low Rates and Flexible Terms1: Education Loan Finance strives to offer among the lowest student loan refinancing rates in the industry for both fixed and variable rate loans with flexible terms from 5 to 20 years
No Application Fees, Origination Fees, or Prepayment Penalties
Loan Amounts Starting at $15,000 and Up
Consolidate Multiple Loans (Federal and Private) into One Easy Monthly Payment. Refinancing of Parent Loans Also Offered.
Get Your Rate. With Education Loan Finance's Find My Rate tool, you can complete a short application to receive a preliminary quote on your eligible rates and terms, all without affecting your credit score.
Apply in Minutes. Our online loan application is fast and simple.
Outstanding Personalized Service. Our Personal Loan Advisors specialize in helping borrowers save money by recommending personalized refinance options for eligible borrowers.
Student Lending Experience: Education Loan Finance isn't a start-up company - we have a longstanding history and expertise in serving student loan borrowers
Education Loan Finance Referral Program2: Refinance your student loan with us and earn $400 for each new client you refer through our generous referral program
Protection Details
Disclosure1Subject to credit approval. Terms and conditions apply. http://www.elfi.com/terms/
2Visit website for full details. Restrictions apply.
2Visit website for full details. Restrictions apply.
60 Months
3.14 - 11.88%
variable APR
$290
$290 was calculated based on a $15,000 loan with a rate of 5.95% over 60 months.
Per Month
Loan Details
No application, origination or disbursement fees
Customize your loan with flexible repayment options
Discount for enrolling in automatic payments
Cover up to 100% of college tuition and living expenses with a minimum loan amount of $1,000 and up to $200,000
After making 24 consecutive on-time payments, you may be able to release your cosigner
100% U.S. based customer service
1% Cash Back Graduation Reward upon satisfaction of certain terms and conditions
Protection Details
Auto Pay Discount
Borrowers can get a 0.25% - 2.00% interest rate reduction if payments are made by Automatic Debit
Forbearance
Ascent loans include deferment and forbearance options: Active Duty Military Deferment, In-School Deferment, Residency / Internship Deferment and Temporary Hardship Forbearance
Interest Payments Only
Student must be registered at least half time. The student will pay only the interest on the loan until graduation. After this full interest and principal payments must be made.
Payment Deferral
This option allows the borrower to postpone payments on the loan while the student is at least half-time enrolled at an eligible institution for up to 60 months
Rewards
1% Cash Back Graduation Reward: Borrowers are eligible to receive a 1% cash reward after graduation and upon meeting certain qualifying criteria
Ascent Student Loans are funded by Richland State Bank (RSB), Member FDIC. Loan products may not be available in certain jurisdictions. Certain restrictions, limitations; and terms and conditions may apply. For Ascent Terms and Conditions please visit: www.AscentStudentLoans.com/Ts&Cs
Rates are effective as of 03/01/2020 and reflect an automatic payment discount of 0.25% on the lowest offered rate and a 2.00% discount on the highest offered rate. Automatic Payment Discount is available if the borrower is enrolled in automatic payments from their personal checking account and the amount is successfully withdrawn from the authorized bank account each month. For Ascent rates and repayment examples please visit: www.AscentStudentLoans.com/Rates
1% Cash Back Graduation Reward subject to terms and conditions. For details, visit: www.AscentStudentLoans.com/CashBack
Rates are effective as of 03/01/2020 and reflect an automatic payment discount of 0.25% on the lowest offered rate and a 2.00% discount on the highest offered rate. Automatic Payment Discount is available if the borrower is enrolled in automatic payments from their personal checking account and the amount is successfully withdrawn from the authorized bank account each month. For Ascent rates and repayment examples please visit: www.AscentStudentLoans.com/Rates
1% Cash Back Graduation Reward subject to terms and conditions. For details, visit: www.AscentStudentLoans.com/CashBack
72 Months
4.44 - 8.72%
variable APR
$253
$253 was calculated based on a $15,000 loan with a rate of 6.58% over 72 months.
Per Month
Loan Details
Earnest uses data and technology to understand every applicant's unique financial story and offer customized rates
Lower rates based on your future potential and full financial profile, not just your FICO® score
More savings: Earnest clients save $21,810 on average by refinancing
Flexible terms that let you pick your exact monthly payment, prepay with no penalty, or pay bi-weekly
Lifetime service provided in-house. Unlike other lenders, Earnest will never pass you off to third-party servicers
No fees for origination, prepayment or loan disbursement
Two-minute rate check with no obligation or impact to your credit score
Protection Details
Auto Pay Discount
Rate displayed includes the 0.25% APR discount for using auto-pay1
Forbearance
With documentation from your previous servicer to confirm, we may match your existing grace period for up to nine months.
Payment Deferral
Payment deferral is available in some cases, including post-graduation grace periods, economic hardship, enrollment in school, active military duty, and Peace Corps service.
To qualify, you must be a U.S. citizen or possess a 10-year (non-conditional) Permanent Resident Card, reside in a state Earnest lends in, and satisfy our minimum eligibility criteria. You may find more information on loan eligibility here: https://www.earnest.com/eligibility. Not all applicants will be approved for a loan, and not all applicants qualify for the lowest rate. Approval and interest rate depend on the review of a complete application.
Earnest's fixed rate loan rates range from 4.25% APR (with autopay) to 8.77% APR (with autopay). Variable rate loan rates range from 3.5% APR (with autopay) to 8.72% APR (with autopay). For variable rate loans, although the interest rate will vary after you are approved, the interest rate will never exceed 8.95% for loan terms of 10 years or less. For loan terms of 10 to 15 years, the interest rate will never exceed 9.95%. For loan terms over 15 years, the interest rate will never exceed 11.95% (the maximum rates for these loans). Earnest variable interest rate loans are based on a publicly available index, the one month London Interbank Offered Rate (LIBOR). Your rate will be calculated each month by adding a margin between 2.98% and 8.2% to the one month LIBOR. The rate will not increase more than once per month. Earnest rate ranges are current as of March 18, 2020 and are subject to change based on market conditions and borrower eligibility.
1Autopay Discount: If you make monthly principal and interest payments by an automatic, monthly deduction from a savings or checking account, your rate will be reduced by one quarter of one percent (0.25%) for so long as you continue to make automatic, electronic monthly payments. This benefit is suspended during periods of deferment and forbearance.
The information provided on this page is updated as of 3/18/20. Earnest reserves the right to change, pause, or terminate product offerings at any time without notice.
Earnest loans are originated by Earnest Operations LLC. California Finance Lender License 6054788. NMLS # 1204917. Earnest Operations LLC is located at 303 2nd Street, Suite 401N, San Francisco, CA 94107. Terms and Conditions apply. Visit https://www.earnest.com/terms-of-service, e-mail us at hello@earnest.com, or call 888-601-2801 for more information on our student loan refinance product.
Earnest's fixed rate loan rates range from 4.25% APR (with autopay) to 8.77% APR (with autopay). Variable rate loan rates range from 3.5% APR (with autopay) to 8.72% APR (with autopay). For variable rate loans, although the interest rate will vary after you are approved, the interest rate will never exceed 8.95% for loan terms of 10 years or less. For loan terms of 10 to 15 years, the interest rate will never exceed 9.95%. For loan terms over 15 years, the interest rate will never exceed 11.95% (the maximum rates for these loans). Earnest variable interest rate loans are based on a publicly available index, the one month London Interbank Offered Rate (LIBOR). Your rate will be calculated each month by adding a margin between 2.98% and 8.2% to the one month LIBOR. The rate will not increase more than once per month. Earnest rate ranges are current as of March 18, 2020 and are subject to change based on market conditions and borrower eligibility.
1Autopay Discount: If you make monthly principal and interest payments by an automatic, monthly deduction from a savings or checking account, your rate will be reduced by one quarter of one percent (0.25%) for so long as you continue to make automatic, electronic monthly payments. This benefit is suspended during periods of deferment and forbearance.
The information provided on this page is updated as of 3/18/20. Earnest reserves the right to change, pause, or terminate product offerings at any time without notice.
Earnest loans are originated by Earnest Operations LLC. California Finance Lender License 6054788. NMLS # 1204917. Earnest Operations LLC is located at 303 2nd Street, Suite 401N, San Francisco, CA 94107. Terms and Conditions apply. Visit https://www.earnest.com/terms-of-service, e-mail us at hello@earnest.com, or call 888-601-2801 for more information on our student loan refinance product.
180 Months
4.25 - 7.5%
variable APR
$126
$126 was calculated based on a $15,000 loan with a rate of 5.88% over 180 months.
Per Month
Protection Details
Auto Pay Discount
There is a 0.25% interest rate reduction when you set up auto-pay1
Forbearance
Up to two years of forebearance due to financial hardship
Payment Deferral
Up to 32 months of deferment available
Offered terms are subject to change. Loans are offered by CommonBond Lending, LLC (NMLS # 1175900). If you are approved for a loan, the interest rate offered will depend on your credit profile, your application, the loan term selected and will be within the ranges of rates shown. 1All Annual Percentage Rates (APRs) displayed assume borrowers enroll in auto pay and account for the 0.25% reduction in interest rate. All variable rates are based on 1-month LIBOR
240 Months
7.23 - 8.72%
variable APR
$125
$125 was calculated based on a $15,000 loan with a rate of 7.98% over 240 months.
Per Month
Loan Details
Earnest uses data and technology to understand every applicant's unique financial story and offer customized rates
Lower rates based on your future potential and full financial profile, not just your FICO® score
More savings: Earnest clients save $21,810 on average by refinancing
Flexible terms that let you pick your exact monthly payment, prepay with no penalty, or pay bi-weekly
Lifetime service provided in-house. Unlike other lenders, Earnest will never pass you off to third-party servicers
No fees for origination, prepayment or loan disbursement
Two-minute rate check with no obligation or impact to your credit score
Protection Details
Auto Pay Discount
Rate displayed includes the 0.25% APR discount for using auto-pay1
Forbearance
With documentation from your previous servicer to confirm, we may match your existing grace period for up to nine months.
Payment Deferral
Payment deferral is available in some cases, including post-graduation grace periods, economic hardship, enrollment in school, active military duty, and Peace Corps service.
To qualify, you must be a U.S. citizen or possess a 10-year (non-conditional) Permanent Resident Card, reside in a state Earnest lends in, and satisfy our minimum eligibility criteria. You may find more information on loan eligibility here: https://www.earnest.com/eligibility. Not all applicants will be approved for a loan, and not all applicants qualify for the lowest rate. Approval and interest rate depend on the review of a complete application.
Earnest's fixed rate loan rates range from 4.25% APR (with autopay) to 8.77% APR (with autopay). Variable rate loan rates range from 3.5% APR (with autopay) to 8.72% APR (with autopay). For variable rate loans, although the interest rate will vary after you are approved, the interest rate will never exceed 8.95% for loan terms of 10 years or less. For loan terms of 10 to 15 years, the interest rate will never exceed 9.95%. For loan terms over 15 years, the interest rate will never exceed 11.95% (the maximum rates for these loans). Earnest variable interest rate loans are based on a publicly available index, the one month London Interbank Offered Rate (LIBOR). Your rate will be calculated each month by adding a margin between 2.98% and 8.2% to the one month LIBOR. The rate will not increase more than once per month. Earnest rate ranges are current as of March 18, 2020 and are subject to change based on market conditions and borrower eligibility.
1Autopay Discount: If you make monthly principal and interest payments by an automatic, monthly deduction from a savings or checking account, your rate will be reduced by one quarter of one percent (0.25%) for so long as you continue to make automatic, electronic monthly payments. This benefit is suspended during periods of deferment and forbearance.
The information provided on this page is updated as of 3/18/20. Earnest reserves the right to change, pause, or terminate product offerings at any time without notice.
Earnest loans are originated by Earnest Operations LLC. California Finance Lender License 6054788. NMLS # 1204917. Earnest Operations LLC is located at 303 2nd Street, Suite 401N, San Francisco, CA 94107. Terms and Conditions apply. Visit https://www.earnest.com/terms-of-service, e-mail us at hello@earnest.com, or call 888-601-2801 for more information on our student loan refinance product.
Earnest's fixed rate loan rates range from 4.25% APR (with autopay) to 8.77% APR (with autopay). Variable rate loan rates range from 3.5% APR (with autopay) to 8.72% APR (with autopay). For variable rate loans, although the interest rate will vary after you are approved, the interest rate will never exceed 8.95% for loan terms of 10 years or less. For loan terms of 10 to 15 years, the interest rate will never exceed 9.95%. For loan terms over 15 years, the interest rate will never exceed 11.95% (the maximum rates for these loans). Earnest variable interest rate loans are based on a publicly available index, the one month London Interbank Offered Rate (LIBOR). Your rate will be calculated each month by adding a margin between 2.98% and 8.2% to the one month LIBOR. The rate will not increase more than once per month. Earnest rate ranges are current as of March 18, 2020 and are subject to change based on market conditions and borrower eligibility.
1Autopay Discount: If you make monthly principal and interest payments by an automatic, monthly deduction from a savings or checking account, your rate will be reduced by one quarter of one percent (0.25%) for so long as you continue to make automatic, electronic monthly payments. This benefit is suspended during periods of deferment and forbearance.
The information provided on this page is updated as of 3/18/20. Earnest reserves the right to change, pause, or terminate product offerings at any time without notice.
Earnest loans are originated by Earnest Operations LLC. California Finance Lender License 6054788. NMLS # 1204917. Earnest Operations LLC is located at 303 2nd Street, Suite 401N, San Francisco, CA 94107. Terms and Conditions apply. Visit https://www.earnest.com/terms-of-service, e-mail us at hello@earnest.com, or call 888-601-2801 for more information on our student loan refinance product.
180 Months
4.52 - 7.77%
fixed APR
$128
$128 was calculated based on a $15,000 loan with a rate of 6.14% over 180 months.
Per Month
Protection Details
Auto Pay Discount
There is a 0.25% interest rate reduction when you set up auto-pay1
Forbearance
Up to two years of forebearance due to financial hardship
Payment Deferral
Up to 32 months of deferment available
Offered terms are subject to change. Loans are offered by CommonBond Lending, LLC (NMLS # 1175900). If you are approved for a loan, the interest rate offered will depend on your credit profile, your application, the loan term selected and will be within the ranges of rates shown. 1All Annual Percentage Rates (APRs) displayed assume borrowers enroll in auto pay and account for the 0.25% reduction in interest rate. All variable rates are based on 1-month LIBOR
60 Months
3.50 - 8.72%
variable APR
$291
$291 was calculated based on a $15,000 loan with a rate of 6.11% over 60 months.
Per Month
Loan Details
Earnest uses data and technology to understand every applicant's unique financial story and offer customized rates
Lower rates based on your future potential and full financial profile, not just your FICO® score
More savings: Earnest clients save $21,810 on average by refinancing
Flexible terms that let you pick your exact monthly payment, prepay with no penalty, or pay bi-weekly
Lifetime service provided in-house. Unlike other lenders, Earnest will never pass you off to third-party servicers
No fees for origination, prepayment or loan disbursement
Two-minute rate check with no obligation or impact to your credit score
Protection Details
Auto Pay Discount
Rate displayed includes the 0.25% APR discount for using auto-pay1
Forbearance
With documentation from your previous servicer to confirm, we may match your existing grace period for up to nine months.
Payment Deferral
Payment deferral is available in some cases, including post-graduation grace periods, economic hardship, enrollment in school, active military duty, and Peace Corps service.
To qualify, you must be a U.S. citizen or possess a 10-year (non-conditional) Permanent Resident Card, reside in a state Earnest lends in, and satisfy our minimum eligibility criteria. You may find more information on loan eligibility here: https://www.earnest.com/eligibility. Not all applicants will be approved for a loan, and not all applicants qualify for the lowest rate. Approval and interest rate depend on the review of a complete application.
Earnest's fixed rate loan rates range from 4.25% APR (with autopay) to 8.77% APR (with autopay). Variable rate loan rates range from 3.5% APR (with autopay) to 8.72% APR (with autopay). For variable rate loans, although the interest rate will vary after you are approved, the interest rate will never exceed 8.95% for loan terms of 10 years or less. For loan terms of 10 to 15 years, the interest rate will never exceed 9.95%. For loan terms over 15 years, the interest rate will never exceed 11.95% (the maximum rates for these loans). Earnest variable interest rate loans are based on a publicly available index, the one month London Interbank Offered Rate (LIBOR). Your rate will be calculated each month by adding a margin between 2.98% and 8.2% to the one month LIBOR. The rate will not increase more than once per month. Earnest rate ranges are current as of March 18, 2020 and are subject to change based on market conditions and borrower eligibility.
1Autopay Discount: If you make monthly principal and interest payments by an automatic, monthly deduction from a savings or checking account, your rate will be reduced by one quarter of one percent (0.25%) for so long as you continue to make automatic, electronic monthly payments. This benefit is suspended during periods of deferment and forbearance.
The information provided on this page is updated as of 3/18/20. Earnest reserves the right to change, pause, or terminate product offerings at any time without notice.
Earnest loans are originated by Earnest Operations LLC. California Finance Lender License 6054788. NMLS # 1204917. Earnest Operations LLC is located at 303 2nd Street, Suite 401N, San Francisco, CA 94107. Terms and Conditions apply. Visit https://www.earnest.com/terms-of-service, e-mail us at hello@earnest.com, or call 888-601-2801 for more information on our student loan refinance product.
Earnest's fixed rate loan rates range from 4.25% APR (with autopay) to 8.77% APR (with autopay). Variable rate loan rates range from 3.5% APR (with autopay) to 8.72% APR (with autopay). For variable rate loans, although the interest rate will vary after you are approved, the interest rate will never exceed 8.95% for loan terms of 10 years or less. For loan terms of 10 to 15 years, the interest rate will never exceed 9.95%. For loan terms over 15 years, the interest rate will never exceed 11.95% (the maximum rates for these loans). Earnest variable interest rate loans are based on a publicly available index, the one month London Interbank Offered Rate (LIBOR). Your rate will be calculated each month by adding a margin between 2.98% and 8.2% to the one month LIBOR. The rate will not increase more than once per month. Earnest rate ranges are current as of March 18, 2020 and are subject to change based on market conditions and borrower eligibility.
1Autopay Discount: If you make monthly principal and interest payments by an automatic, monthly deduction from a savings or checking account, your rate will be reduced by one quarter of one percent (0.25%) for so long as you continue to make automatic, electronic monthly payments. This benefit is suspended during periods of deferment and forbearance.
The information provided on this page is updated as of 3/18/20. Earnest reserves the right to change, pause, or terminate product offerings at any time without notice.
Earnest loans are originated by Earnest Operations LLC. California Finance Lender License 6054788. NMLS # 1204917. Earnest Operations LLC is located at 303 2nd Street, Suite 401N, San Francisco, CA 94107. Terms and Conditions apply. Visit https://www.earnest.com/terms-of-service, e-mail us at hello@earnest.com, or call 888-601-2801 for more information on our student loan refinance product.
60 Months
4.54 - 11.98%
fixed APR
$307
$307 was calculated based on a $15,000 loan with a rate of 8.34% over 60 months.
Per Month
Loan Details
0.25% rate reduction with auto-pay for repayment
No origination, application and processing fees, no fees for early repayment
Multiple repayment options including: full principal and interest, interest-only, deferred, and flat payment
Coverage up to 100% of your school-certified cost of attendance ($1,000 minimum)
Protection Details
Auto Pay Discount
Autopay discounts available of up to a 0.25% interest rate reduction
Interest Payments Only
Pay the interest charges each month as you go during school
Payment Deferral
No in-school payments required, but you'll pay more in interest over the life of your loan
College Ave Student Loans products are made available through either Firstrust Bank, member FDIC or M.Y. Safra Bank, FSB, member FDIC. All loans are subject to individual approval and adherence to underwriting guidelines. Program restrictions, other terms, and conditions apply.
This informational repayment example uses typical loan terms for a freshman borrower who selects the Deferred Repayment Option with a 10-year repayment term, has a $10,000 loan that is disbursed in one disbursement and a 8.35% fixed Annual Percentage Rate ("APR"): 120 monthly payments of $179.18 while in the repayment period, for a total amount of payments of $21,501.54. Loans will never have a full principal and interest monthly payment of less than $50. Your actual rates and repayment terms may vary.
This informational repayment example uses typical loan terms for a first year graduate student borrower who selects the Deferred Repayment Option with a 10-year repayment term, has a $10,000 loan that is disbursed in one disbursement and a 7.10% fixed Annual Percentage Rate ("APR"): 120 monthly payments of $141.66 while in the repayment period, for a total amount of payments of $16,699.21. Loans will never have a full principal and interest monthly payment of less than $50. Your actual rates and repayment terms may vary.
The 0.25% auto-pay interest rate reduction applies as long as a valid bank account is designated for required monthly payments. Variable rates may increase after consummation.
This informational repayment example uses typical loan terms for a freshman borrower who selects the Deferred Repayment Option with a 10-year repayment term, has a $10,000 loan that is disbursed in one disbursement and a 8.35% fixed Annual Percentage Rate ("APR"): 120 monthly payments of $179.18 while in the repayment period, for a total amount of payments of $21,501.54. Loans will never have a full principal and interest monthly payment of less than $50. Your actual rates and repayment terms may vary.
This informational repayment example uses typical loan terms for a first year graduate student borrower who selects the Deferred Repayment Option with a 10-year repayment term, has a $10,000 loan that is disbursed in one disbursement and a 7.10% fixed Annual Percentage Rate ("APR"): 120 monthly payments of $141.66 while in the repayment period, for a total amount of payments of $16,699.21. Loans will never have a full principal and interest monthly payment of less than $50. Your actual rates and repayment terms may vary.
The 0.25% auto-pay interest rate reduction applies as long as a valid bank account is designated for required monthly payments. Variable rates may increase after consummation.
60 Months
2.41 - 6.18%
variable APR
$278
$278 was calculated based on a $15,000 loan with a rate of 4.29% over 60 months.
Per Month
Protection Details
Auto Pay Discount
There is a 0.25% interest rate reduction when you set up auto-pay1
Forbearance
Up to two years of forebearance due to financial hardship
Payment Deferral
Up to 32 months of deferment available
Offered terms are subject to change. Loans are offered by CommonBond Lending, LLC (NMLS # 1175900). If you are approved for a loan, the interest rate offered will depend on your credit profile, your application, the loan term selected and will be within the ranges of rates shown. 1All Annual Percentage Rates (APRs) displayed assume borrowers enroll in auto pay and account for the 0.25% reduction in interest rate. All variable rates are based on 1-month LIBOR
96 Months
5.45 - 8.72%
variable APR
$205
$205 was calculated based on a $15,000 loan with a rate of 7.09% over 96 months.
Per Month
Loan Details
Earnest uses data and technology to understand every applicant's unique financial story and offer customized rates
Lower rates based on your future potential and full financial profile, not just your FICO® score
More savings: Earnest clients save $21,810 on average by refinancing
Flexible terms that let you pick your exact monthly payment, prepay with no penalty, or pay bi-weekly
Lifetime service provided in-house. Unlike other lenders, Earnest will never pass you off to third-party servicers
No fees for origination, prepayment or loan disbursement
Two-minute rate check with no obligation or impact to your credit score
Protection Details
Auto Pay Discount
Rate displayed includes the 0.25% APR discount for using auto-pay1
Forbearance
With documentation from your previous servicer to confirm, we may match your existing grace period for up to nine months.
Payment Deferral
Payment deferral is available in some cases, including post-graduation grace periods, economic hardship, enrollment in school, active military duty, and Peace Corps service.
To qualify, you must be a U.S. citizen or possess a 10-year (non-conditional) Permanent Resident Card, reside in a state Earnest lends in, and satisfy our minimum eligibility criteria. You may find more information on loan eligibility here: https://www.earnest.com/eligibility. Not all applicants will be approved for a loan, and not all applicants qualify for the lowest rate. Approval and interest rate depend on the review of a complete application.
Earnest's fixed rate loan rates range from 4.25% APR (with autopay) to 8.77% APR (with autopay). Variable rate loan rates range from 3.5% APR (with autopay) to 8.72% APR (with autopay). For variable rate loans, although the interest rate will vary after you are approved, the interest rate will never exceed 8.95% for loan terms of 10 years or less. For loan terms of 10 to 15 years, the interest rate will never exceed 9.95%. For loan terms over 15 years, the interest rate will never exceed 11.95% (the maximum rates for these loans). Earnest variable interest rate loans are based on a publicly available index, the one month London Interbank Offered Rate (LIBOR). Your rate will be calculated each month by adding a margin between 2.98% and 8.2% to the one month LIBOR. The rate will not increase more than once per month. Earnest rate ranges are current as of March 18, 2020 and are subject to change based on market conditions and borrower eligibility.
1Autopay Discount: If you make monthly principal and interest payments by an automatic, monthly deduction from a savings or checking account, your rate will be reduced by one quarter of one percent (0.25%) for so long as you continue to make automatic, electronic monthly payments. This benefit is suspended during periods of deferment and forbearance.
The information provided on this page is updated as of 3/18/20. Earnest reserves the right to change, pause, or terminate product offerings at any time without notice.
Earnest loans are originated by Earnest Operations LLC. California Finance Lender License 6054788. NMLS # 1204917. Earnest Operations LLC is located at 303 2nd Street, Suite 401N, San Francisco, CA 94107. Terms and Conditions apply. Visit https://www.earnest.com/terms-of-service, e-mail us at hello@earnest.com, or call 888-601-2801 for more information on our student loan refinance product.
Earnest's fixed rate loan rates range from 4.25% APR (with autopay) to 8.77% APR (with autopay). Variable rate loan rates range from 3.5% APR (with autopay) to 8.72% APR (with autopay). For variable rate loans, although the interest rate will vary after you are approved, the interest rate will never exceed 8.95% for loan terms of 10 years or less. For loan terms of 10 to 15 years, the interest rate will never exceed 9.95%. For loan terms over 15 years, the interest rate will never exceed 11.95% (the maximum rates for these loans). Earnest variable interest rate loans are based on a publicly available index, the one month London Interbank Offered Rate (LIBOR). Your rate will be calculated each month by adding a margin between 2.98% and 8.2% to the one month LIBOR. The rate will not increase more than once per month. Earnest rate ranges are current as of March 18, 2020 and are subject to change based on market conditions and borrower eligibility.
1Autopay Discount: If you make monthly principal and interest payments by an automatic, monthly deduction from a savings or checking account, your rate will be reduced by one quarter of one percent (0.25%) for so long as you continue to make automatic, electronic monthly payments. This benefit is suspended during periods of deferment and forbearance.
The information provided on this page is updated as of 3/18/20. Earnest reserves the right to change, pause, or terminate product offerings at any time without notice.
Earnest loans are originated by Earnest Operations LLC. California Finance Lender License 6054788. NMLS # 1204917. Earnest Operations LLC is located at 303 2nd Street, Suite 401N, San Francisco, CA 94107. Terms and Conditions apply. Visit https://www.earnest.com/terms-of-service, e-mail us at hello@earnest.com, or call 888-601-2801 for more information on our student loan refinance product.
240 Months
7.28 - 8.77%
fixed APR
$126
$126 was calculated based on a $15,000 loan with a rate of 8.03% over 240 months.
Per Month
Loan Details
Earnest uses data and technology to understand every applicant's unique financial story and offer customized rates
Lower rates based on your future potential and full financial profile, not just your FICO® score
More savings: Earnest clients save $21,810 on average by refinancing
Flexible terms that let you pick your exact monthly payment, prepay with no penalty, or pay bi-weekly
Lifetime service provided in-house. Unlike other lenders, Earnest will never pass you off to third-party servicers
No fees for origination, prepayment or loan disbursement
Two-minute rate check with no obligation or impact to your credit score
Protection Details
Auto Pay Discount
Rate displayed includes the 0.25% APR discount for using auto-pay1
Forbearance
With documentation from your previous servicer to confirm, we may match your existing grace period for up to nine months.
Payment Deferral
Payment deferral is available in some cases, including post-graduation grace periods, economic hardship, enrollment in school, active military duty, and Peace Corps service.
To qualify, you must be a U.S. citizen or possess a 10-year (non-conditional) Permanent Resident Card, reside in a state Earnest lends in, and satisfy our minimum eligibility criteria. You may find more information on loan eligibility here: https://www.earnest.com/eligibility. Not all applicants will be approved for a loan, and not all applicants qualify for the lowest rate. Approval and interest rate depend on the review of a complete application.
Earnest's fixed rate loan rates range from 4.25% APR (with autopay) to 8.77% APR (with autopay). Variable rate loan rates range from 3.5% APR (with autopay) to 8.72% APR (with autopay). For variable rate loans, although the interest rate will vary after you are approved, the interest rate will never exceed 8.95% for loan terms of 10 years or less. For loan terms of 10 to 15 years, the interest rate will never exceed 9.95%. For loan terms over 15 years, the interest rate will never exceed 11.95% (the maximum rates for these loans). Earnest variable interest rate loans are based on a publicly available index, the one month London Interbank Offered Rate (LIBOR). Your rate will be calculated each month by adding a margin between 2.98% and 8.2% to the one month LIBOR. The rate will not increase more than once per month. Earnest rate ranges are current as of March 18, 2020 and are subject to change based on market conditions and borrower eligibility.
1Autopay Discount: If you make monthly principal and interest payments by an automatic, monthly deduction from a savings or checking account, your rate will be reduced by one quarter of one percent (0.25%) for so long as you continue to make automatic, electronic monthly payments. This benefit is suspended during periods of deferment and forbearance.
The information provided on this page is updated as of 3/18/20. Earnest reserves the right to change, pause, or terminate product offerings at any time without notice.
Earnest loans are originated by Earnest Operations LLC. California Finance Lender License 6054788. NMLS # 1204917. Earnest Operations LLC is located at 303 2nd Street, Suite 401N, San Francisco, CA 94107. Terms and Conditions apply. Visit https://www.earnest.com/terms-of-service, e-mail us at hello@earnest.com, or call 888-601-2801 for more information on our student loan refinance product.
Earnest's fixed rate loan rates range from 4.25% APR (with autopay) to 8.77% APR (with autopay). Variable rate loan rates range from 3.5% APR (with autopay) to 8.72% APR (with autopay). For variable rate loans, although the interest rate will vary after you are approved, the interest rate will never exceed 8.95% for loan terms of 10 years or less. For loan terms of 10 to 15 years, the interest rate will never exceed 9.95%. For loan terms over 15 years, the interest rate will never exceed 11.95% (the maximum rates for these loans). Earnest variable interest rate loans are based on a publicly available index, the one month London Interbank Offered Rate (LIBOR). Your rate will be calculated each month by adding a margin between 2.98% and 8.2% to the one month LIBOR. The rate will not increase more than once per month. Earnest rate ranges are current as of March 18, 2020 and are subject to change based on market conditions and borrower eligibility.
1Autopay Discount: If you make monthly principal and interest payments by an automatic, monthly deduction from a savings or checking account, your rate will be reduced by one quarter of one percent (0.25%) for so long as you continue to make automatic, electronic monthly payments. This benefit is suspended during periods of deferment and forbearance.
The information provided on this page is updated as of 3/18/20. Earnest reserves the right to change, pause, or terminate product offerings at any time without notice.
Earnest loans are originated by Earnest Operations LLC. California Finance Lender License 6054788. NMLS # 1204917. Earnest Operations LLC is located at 303 2nd Street, Suite 401N, San Francisco, CA 94107. Terms and Conditions apply. Visit https://www.earnest.com/terms-of-service, e-mail us at hello@earnest.com, or call 888-601-2801 for more information on our student loan refinance product.
156 Months
6.13 - 8.72%
variable APR
$150
$150 was calculated based on a $15,000 loan with a rate of 7.43% over 156 months.
Per Month
Loan Details
Earnest uses data and technology to understand every applicant's unique financial story and offer customized rates
Lower rates based on your future potential and full financial profile, not just your FICO® score
More savings: Earnest clients save $21,810 on average by refinancing
Flexible terms that let you pick your exact monthly payment, prepay with no penalty, or pay bi-weekly
Lifetime service provided in-house. Unlike other lenders, Earnest will never pass you off to third-party servicers
No fees for origination, prepayment or loan disbursement
Two-minute rate check with no obligation or impact to your credit score
Protection Details
Auto Pay Discount
Rate displayed includes the 0.25% APR discount for using auto-pay1
Forbearance
With documentation from your previous servicer to confirm, we may match your existing grace period for up to nine months.
Payment Deferral
Payment deferral is available in some cases, including post-graduation grace periods, economic hardship, enrollment in school, active military duty, and Peace Corps service.
To qualify, you must be a U.S. citizen or possess a 10-year (non-conditional) Permanent Resident Card, reside in a state Earnest lends in, and satisfy our minimum eligibility criteria. You may find more information on loan eligibility here: https://www.earnest.com/eligibility. Not all applicants will be approved for a loan, and not all applicants qualify for the lowest rate. Approval and interest rate depend on the review of a complete application.
Earnest's fixed rate loan rates range from 4.25% APR (with autopay) to 8.77% APR (with autopay). Variable rate loan rates range from 3.5% APR (with autopay) to 8.72% APR (with autopay). For variable rate loans, although the interest rate will vary after you are approved, the interest rate will never exceed 8.95% for loan terms of 10 years or less. For loan terms of 10 to 15 years, the interest rate will never exceed 9.95%. For loan terms over 15 years, the interest rate will never exceed 11.95% (the maximum rates for these loans). Earnest variable interest rate loans are based on a publicly available index, the one month London Interbank Offered Rate (LIBOR). Your rate will be calculated each month by adding a margin between 2.98% and 8.2% to the one month LIBOR. The rate will not increase more than once per month. Earnest rate ranges are current as of March 18, 2020 and are subject to change based on market conditions and borrower eligibility.
1Autopay Discount: If you make monthly principal and interest payments by an automatic, monthly deduction from a savings or checking account, your rate will be reduced by one quarter of one percent (0.25%) for so long as you continue to make automatic, electronic monthly payments. This benefit is suspended during periods of deferment and forbearance.
The information provided on this page is updated as of 3/18/20. Earnest reserves the right to change, pause, or terminate product offerings at any time without notice.
Earnest loans are originated by Earnest Operations LLC. California Finance Lender License 6054788. NMLS # 1204917. Earnest Operations LLC is located at 303 2nd Street, Suite 401N, San Francisco, CA 94107. Terms and Conditions apply. Visit https://www.earnest.com/terms-of-service, e-mail us at hello@earnest.com, or call 888-601-2801 for more information on our student loan refinance product.
Earnest's fixed rate loan rates range from 4.25% APR (with autopay) to 8.77% APR (with autopay). Variable rate loan rates range from 3.5% APR (with autopay) to 8.72% APR (with autopay). For variable rate loans, although the interest rate will vary after you are approved, the interest rate will never exceed 8.95% for loan terms of 10 years or less. For loan terms of 10 to 15 years, the interest rate will never exceed 9.95%. For loan terms over 15 years, the interest rate will never exceed 11.95% (the maximum rates for these loans). Earnest variable interest rate loans are based on a publicly available index, the one month London Interbank Offered Rate (LIBOR). Your rate will be calculated each month by adding a margin between 2.98% and 8.2% to the one month LIBOR. The rate will not increase more than once per month. Earnest rate ranges are current as of March 18, 2020 and are subject to change based on market conditions and borrower eligibility.
1Autopay Discount: If you make monthly principal and interest payments by an automatic, monthly deduction from a savings or checking account, your rate will be reduced by one quarter of one percent (0.25%) for so long as you continue to make automatic, electronic monthly payments. This benefit is suspended during periods of deferment and forbearance.
The information provided on this page is updated as of 3/18/20. Earnest reserves the right to change, pause, or terminate product offerings at any time without notice.
Earnest loans are originated by Earnest Operations LLC. California Finance Lender License 6054788. NMLS # 1204917. Earnest Operations LLC is located at 303 2nd Street, Suite 401N, San Francisco, CA 94107. Terms and Conditions apply. Visit https://www.earnest.com/terms-of-service, e-mail us at hello@earnest.com, or call 888-601-2801 for more information on our student loan refinance product.
108 Months
5.70 - 8.72%
variable APR
$189
$189 was calculated based on a $15,000 loan with a rate of 7.21% over 108 months.
Per Month
Loan Details
Earnest uses data and technology to understand every applicant's unique financial story and offer customized rates
Lower rates based on your future potential and full financial profile, not just your FICO® score
More savings: Earnest clients save $21,810 on average by refinancing
Flexible terms that let you pick your exact monthly payment, prepay with no penalty, or pay bi-weekly
Lifetime service provided in-house. Unlike other lenders, Earnest will never pass you off to third-party servicers
No fees for origination, prepayment or loan disbursement
Two-minute rate check with no obligation or impact to your credit score
Protection Details
Auto Pay Discount
Rate displayed includes the 0.25% APR discount for using auto-pay1
Forbearance
With documentation from your previous servicer to confirm, we may match your existing grace period for up to nine months.
Payment Deferral
Payment deferral is available in some cases, including post-graduation grace periods, economic hardship, enrollment in school, active military duty, and Peace Corps service.
To qualify, you must be a U.S. citizen or possess a 10-year (non-conditional) Permanent Resident Card, reside in a state Earnest lends in, and satisfy our minimum eligibility criteria. You may find more information on loan eligibility here: https://www.earnest.com/eligibility. Not all applicants will be approved for a loan, and not all applicants qualify for the lowest rate. Approval and interest rate depend on the review of a complete application.
Earnest's fixed rate loan rates range from 4.25% APR (with autopay) to 8.77% APR (with autopay). Variable rate loan rates range from 3.5% APR (with autopay) to 8.72% APR (with autopay). For variable rate loans, although the interest rate will vary after you are approved, the interest rate will never exceed 8.95% for loan terms of 10 years or less. For loan terms of 10 to 15 years, the interest rate will never exceed 9.95%. For loan terms over 15 years, the interest rate will never exceed 11.95% (the maximum rates for these loans). Earnest variable interest rate loans are based on a publicly available index, the one month London Interbank Offered Rate (LIBOR). Your rate will be calculated each month by adding a margin between 2.98% and 8.2% to the one month LIBOR. The rate will not increase more than once per month. Earnest rate ranges are current as of March 18, 2020 and are subject to change based on market conditions and borrower eligibility.
1Autopay Discount: If you make monthly principal and interest payments by an automatic, monthly deduction from a savings or checking account, your rate will be reduced by one quarter of one percent (0.25%) for so long as you continue to make automatic, electronic monthly payments. This benefit is suspended during periods of deferment and forbearance.
The information provided on this page is updated as of 3/18/20. Earnest reserves the right to change, pause, or terminate product offerings at any time without notice.
Earnest loans are originated by Earnest Operations LLC. California Finance Lender License 6054788. NMLS # 1204917. Earnest Operations LLC is located at 303 2nd Street, Suite 401N, San Francisco, CA 94107. Terms and Conditions apply. Visit https://www.earnest.com/terms-of-service, e-mail us at hello@earnest.com, or call 888-601-2801 for more information on our student loan refinance product.
Earnest's fixed rate loan rates range from 4.25% APR (with autopay) to 8.77% APR (with autopay). Variable rate loan rates range from 3.5% APR (with autopay) to 8.72% APR (with autopay). For variable rate loans, although the interest rate will vary after you are approved, the interest rate will never exceed 8.95% for loan terms of 10 years or less. For loan terms of 10 to 15 years, the interest rate will never exceed 9.95%. For loan terms over 15 years, the interest rate will never exceed 11.95% (the maximum rates for these loans). Earnest variable interest rate loans are based on a publicly available index, the one month London Interbank Offered Rate (LIBOR). Your rate will be calculated each month by adding a margin between 2.98% and 8.2% to the one month LIBOR. The rate will not increase more than once per month. Earnest rate ranges are current as of March 18, 2020 and are subject to change based on market conditions and borrower eligibility.
1Autopay Discount: If you make monthly principal and interest payments by an automatic, monthly deduction from a savings or checking account, your rate will be reduced by one quarter of one percent (0.25%) for so long as you continue to make automatic, electronic monthly payments. This benefit is suspended during periods of deferment and forbearance.
The information provided on this page is updated as of 3/18/20. Earnest reserves the right to change, pause, or terminate product offerings at any time without notice.
Earnest loans are originated by Earnest Operations LLC. California Finance Lender License 6054788. NMLS # 1204917. Earnest Operations LLC is located at 303 2nd Street, Suite 401N, San Francisco, CA 94107. Terms and Conditions apply. Visit https://www.earnest.com/terms-of-service, e-mail us at hello@earnest.com, or call 888-601-2801 for more information on our student loan refinance product.
240 Months
4.58 - 6.01%
variable APR
$101
$101 was calculated based on a $15,000 loan with a rate of 5.29% over 240 months.
Per Month
Loan Details
Low Rates and Flexible Terms1: Education Loan Finance strives to offer among the lowest student loan refinancing rates in the industry for both fixed and variable rate loans with flexible terms from 5 to 20 years
No Application Fees, Origination Fees, or Prepayment Penalties
Loan Amounts Starting at $15,000 and Up
Consolidate Multiple Loans (Federal and Private) into One Easy Monthly Payment. Refinancing of Parent Loans Also Offered.
Get Your Rate. With Education Loan Finance's Find My Rate tool, you can complete a short application to receive a preliminary quote on your eligible rates and terms, all without affecting your credit score.
Apply in Minutes. Our online loan application is fast and simple.
Outstanding Personalized Service. Our Personal Loan Advisors specialize in helping borrowers save money by recommending personalized refinance options for eligible borrowers.
Student Lending Experience: Education Loan Finance isn't a start-up company - we have a longstanding history and expertise in serving student loan borrowers
Education Loan Finance Referral Program2: Refinance your student loan with us and earn $400 for each new client you refer through our generous referral program
Protection Details
Disclosure1Subject to credit approval. Terms and conditions apply. http://www.elfi.com/terms/
2Visit website for full details. Restrictions apply.
2Visit website for full details. Restrictions apply.
96 Months
4.54 - 11.98%
fixed APR
$215
$215 was calculated based on a $15,000 loan with a rate of 8.44% over 96 months.
Per Month
Loan Details
0.25% rate reduction with auto-pay for repayment
No origination, application and processing fees, no fees for early repayment
Multiple repayment options including: full principal and interest, interest-only, deferred, and flat payment
Coverage up to 100% of your school-certified cost of attendance ($1,000 minimum)
Protection Details
Auto Pay Discount
Autopay discounts available of up to a 0.25% interest rate reduction
Interest Payments Only
Pay the interest charges each month as you go during school
Payment Deferral
No in-school payments required, but you'll pay more in interest over the life of your loan
College Ave Student Loans products are made available through either Firstrust Bank, member FDIC or M.Y. Safra Bank, FSB, member FDIC. All loans are subject to individual approval and adherence to underwriting guidelines. Program restrictions, other terms, and conditions apply.
This informational repayment example uses typical loan terms for a freshman borrower who selects the Deferred Repayment Option with a 10-year repayment term, has a $10,000 loan that is disbursed in one disbursement and a 8.35% fixed Annual Percentage Rate ("APR"): 120 monthly payments of $179.18 while in the repayment period, for a total amount of payments of $21,501.54. Loans will never have a full principal and interest monthly payment of less than $50. Your actual rates and repayment terms may vary.
This informational repayment example uses typical loan terms for a first year graduate student borrower who selects the Deferred Repayment Option with a 10-year repayment term, has a $10,000 loan that is disbursed in one disbursement and a 7.10% fixed Annual Percentage Rate ("APR"): 120 monthly payments of $141.66 while in the repayment period, for a total amount of payments of $16,699.21. Loans will never have a full principal and interest monthly payment of less than $50. Your actual rates and repayment terms may vary.
The 0.25% auto-pay interest rate reduction applies as long as a valid bank account is designated for required monthly payments. Variable rates may increase after consummation.
This informational repayment example uses typical loan terms for a freshman borrower who selects the Deferred Repayment Option with a 10-year repayment term, has a $10,000 loan that is disbursed in one disbursement and a 8.35% fixed Annual Percentage Rate ("APR"): 120 monthly payments of $179.18 while in the repayment period, for a total amount of payments of $21,501.54. Loans will never have a full principal and interest monthly payment of less than $50. Your actual rates and repayment terms may vary.
This informational repayment example uses typical loan terms for a first year graduate student borrower who selects the Deferred Repayment Option with a 10-year repayment term, has a $10,000 loan that is disbursed in one disbursement and a 7.10% fixed Annual Percentage Rate ("APR"): 120 monthly payments of $141.66 while in the repayment period, for a total amount of payments of $16,699.21. Loans will never have a full principal and interest monthly payment of less than $50. Your actual rates and repayment terms may vary.
The 0.25% auto-pay interest rate reduction applies as long as a valid bank account is designated for required monthly payments. Variable rates may increase after consummation.
120 Months
6.12 - 8.77%
fixed APR
$178
$178 was calculated based on a $15,000 loan with a rate of 7.45% over 120 months.
Per Month
Loan Details
Earnest uses data and technology to understand every applicant's unique financial story and offer customized rates
Lower rates based on your future potential and full financial profile, not just your FICO® score
More savings: Earnest clients save $21,810 on average by refinancing
Flexible terms that let you pick your exact monthly payment, prepay with no penalty, or pay bi-weekly
Lifetime service provided in-house. Unlike other lenders, Earnest will never pass you off to third-party servicers
No fees for origination, prepayment or loan disbursement
Two-minute rate check with no obligation or impact to your credit score
Protection Details
Auto Pay Discount
Rate displayed includes the 0.25% APR discount for using auto-pay1
Forbearance
With documentation from your previous servicer to confirm, we may match your existing grace period for up to nine months.
Payment Deferral
Payment deferral is available in some cases, including post-graduation grace periods, economic hardship, enrollment in school, active military duty, and Peace Corps service.
To qualify, you must be a U.S. citizen or possess a 10-year (non-conditional) Permanent Resident Card, reside in a state Earnest lends in, and satisfy our minimum eligibility criteria. You may find more information on loan eligibility here: https://www.earnest.com/eligibility. Not all applicants will be approved for a loan, and not all applicants qualify for the lowest rate. Approval and interest rate depend on the review of a complete application.
Earnest's fixed rate loan rates range from 4.25% APR (with autopay) to 8.77% APR (with autopay). Variable rate loan rates range from 3.5% APR (with autopay) to 8.72% APR (with autopay). For variable rate loans, although the interest rate will vary after you are approved, the interest rate will never exceed 8.95% for loan terms of 10 years or less. For loan terms of 10 to 15 years, the interest rate will never exceed 9.95%. For loan terms over 15 years, the interest rate will never exceed 11.95% (the maximum rates for these loans). Earnest variable interest rate loans are based on a publicly available index, the one month London Interbank Offered Rate (LIBOR). Your rate will be calculated each month by adding a margin between 2.98% and 8.2% to the one month LIBOR. The rate will not increase more than once per month. Earnest rate ranges are current as of March 18, 2020 and are subject to change based on market conditions and borrower eligibility.
1Autopay Discount: If you make monthly principal and interest payments by an automatic, monthly deduction from a savings or checking account, your rate will be reduced by one quarter of one percent (0.25%) for so long as you continue to make automatic, electronic monthly payments. This benefit is suspended during periods of deferment and forbearance.
The information provided on this page is updated as of 3/18/20. Earnest reserves the right to change, pause, or terminate product offerings at any time without notice.
Earnest loans are originated by Earnest Operations LLC. California Finance Lender License 6054788. NMLS # 1204917. Earnest Operations LLC is located at 303 2nd Street, Suite 401N, San Francisco, CA 94107. Terms and Conditions apply. Visit https://www.earnest.com/terms-of-service, e-mail us at hello@earnest.com, or call 888-601-2801 for more information on our student loan refinance product.
Earnest's fixed rate loan rates range from 4.25% APR (with autopay) to 8.77% APR (with autopay). Variable rate loan rates range from 3.5% APR (with autopay) to 8.72% APR (with autopay). For variable rate loans, although the interest rate will vary after you are approved, the interest rate will never exceed 8.95% for loan terms of 10 years or less. For loan terms of 10 to 15 years, the interest rate will never exceed 9.95%. For loan terms over 15 years, the interest rate will never exceed 11.95% (the maximum rates for these loans). Earnest variable interest rate loans are based on a publicly available index, the one month London Interbank Offered Rate (LIBOR). Your rate will be calculated each month by adding a margin between 2.98% and 8.2% to the one month LIBOR. The rate will not increase more than once per month. Earnest rate ranges are current as of March 18, 2020 and are subject to change based on market conditions and borrower eligibility.
1Autopay Discount: If you make monthly principal and interest payments by an automatic, monthly deduction from a savings or checking account, your rate will be reduced by one quarter of one percent (0.25%) for so long as you continue to make automatic, electronic monthly payments. This benefit is suspended during periods of deferment and forbearance.
The information provided on this page is updated as of 3/18/20. Earnest reserves the right to change, pause, or terminate product offerings at any time without notice.
Earnest loans are originated by Earnest Operations LLC. California Finance Lender License 6054788. NMLS # 1204917. Earnest Operations LLC is located at 303 2nd Street, Suite 401N, San Francisco, CA 94107. Terms and Conditions apply. Visit https://www.earnest.com/terms-of-service, e-mail us at hello@earnest.com, or call 888-601-2801 for more information on our student loan refinance product.
204 Months
6.70 - 8.77%
fixed APR
$132
$132 was calculated based on a $15,000 loan with a rate of 7.73% over 204 months.
Per Month
Loan Details
Earnest uses data and technology to understand every applicant's unique financial story and offer customized rates
Lower rates based on your future potential and full financial profile, not just your FICO® score
More savings: Earnest clients save $21,810 on average by refinancing
Flexible terms that let you pick your exact monthly payment, prepay with no penalty, or pay bi-weekly
Lifetime service provided in-house. Unlike other lenders, Earnest will never pass you off to third-party servicers
No fees for origination, prepayment or loan disbursement
Two-minute rate check with no obligation or impact to your credit score
Protection Details
Auto Pay Discount
Rate displayed includes the 0.25% APR discount for using auto-pay1
Forbearance
With documentation from your previous servicer to confirm, we may match your existing grace period for up to nine months.
Payment Deferral
Payment deferral is available in some cases, including post-graduation grace periods, economic hardship, enrollment in school, active military duty, and Peace Corps service.
To qualify, you must be a U.S. citizen or possess a 10-year (non-conditional) Permanent Resident Card, reside in a state Earnest lends in, and satisfy our minimum eligibility criteria. You may find more information on loan eligibility here: https://www.earnest.com/eligibility. Not all applicants will be approved for a loan, and not all applicants qualify for the lowest rate. Approval and interest rate depend on the review of a complete application.
Earnest's fixed rate loan rates range from 4.25% APR (with autopay) to 8.77% APR (with autopay). Variable rate loan rates range from 3.5% APR (with autopay) to 8.72% APR (with autopay). For variable rate loans, although the interest rate will vary after you are approved, the interest rate will never exceed 8.95% for loan terms of 10 years or less. For loan terms of 10 to 15 years, the interest rate will never exceed 9.95%. For loan terms over 15 years, the interest rate will never exceed 11.95% (the maximum rates for these loans). Earnest variable interest rate loans are based on a publicly available index, the one month London Interbank Offered Rate (LIBOR). Your rate will be calculated each month by adding a margin between 2.98% and 8.2% to the one month LIBOR. The rate will not increase more than once per month. Earnest rate ranges are current as of March 18, 2020 and are subject to change based on market conditions and borrower eligibility.
1Autopay Discount: If you make monthly principal and interest payments by an automatic, monthly deduction from a savings or checking account, your rate will be reduced by one quarter of one percent (0.25%) for so long as you continue to make automatic, electronic monthly payments. This benefit is suspended during periods of deferment and forbearance.
The information provided on this page is updated as of 3/18/20. Earnest reserves the right to change, pause, or terminate product offerings at any time without notice.
Earnest loans are originated by Earnest Operations LLC. California Finance Lender License 6054788. NMLS # 1204917. Earnest Operations LLC is located at 303 2nd Street, Suite 401N, San Francisco, CA 94107. Terms and Conditions apply. Visit https://www.earnest.com/terms-of-service, e-mail us at hello@earnest.com, or call 888-601-2801 for more information on our student loan refinance product.
Earnest's fixed rate loan rates range from 4.25% APR (with autopay) to 8.77% APR (with autopay). Variable rate loan rates range from 3.5% APR (with autopay) to 8.72% APR (with autopay). For variable rate loans, although the interest rate will vary after you are approved, the interest rate will never exceed 8.95% for loan terms of 10 years or less. For loan terms of 10 to 15 years, the interest rate will never exceed 9.95%. For loan terms over 15 years, the interest rate will never exceed 11.95% (the maximum rates for these loans). Earnest variable interest rate loans are based on a publicly available index, the one month London Interbank Offered Rate (LIBOR). Your rate will be calculated each month by adding a margin between 2.98% and 8.2% to the one month LIBOR. The rate will not increase more than once per month. Earnest rate ranges are current as of March 18, 2020 and are subject to change based on market conditions and borrower eligibility.
1Autopay Discount: If you make monthly principal and interest payments by an automatic, monthly deduction from a savings or checking account, your rate will be reduced by one quarter of one percent (0.25%) for so long as you continue to make automatic, electronic monthly payments. This benefit is suspended during periods of deferment and forbearance.
The information provided on this page is updated as of 3/18/20. Earnest reserves the right to change, pause, or terminate product offerings at any time without notice.
Earnest loans are originated by Earnest Operations LLC. California Finance Lender License 6054788. NMLS # 1204917. Earnest Operations LLC is located at 303 2nd Street, Suite 401N, San Francisco, CA 94107. Terms and Conditions apply. Visit https://www.earnest.com/terms-of-service, e-mail us at hello@earnest.com, or call 888-601-2801 for more information on our student loan refinance product.
180 Months
6.63 - 9.74%
fixed APR
$145
$145 was calculated based on a $15,000 loan with a rate of 8.19% over 180 months.
Per Month
Protection Details
Auto Pay Discount
There is a 0.25% interest rate reduction when you set up auto-pay1
Forbearance
Up to two years of forebearance due to financial hardship
Payment Deferral
Deferred while in school
Offered terms are subject to change. Loans are offered by CommonBond Lending, LLC (NMLS # 1175900). If you are approved for a loan, the interest rate offered will depend on your credit profile, your application, the loan term selected and will be within the ranges of rates shown. 1All Annual Percentage Rates (APRs) displayed assume borrowers enroll in auto pay and account for the 0.25% reduction in interest rate. All variable rates are based on 1-month LIBOR
84 Months
5.25 - 8.77%
fixed APR
$226
$226 was calculated based on a $15,000 loan with a rate of 7.01% over 84 months.
Per Month
Loan Details
Earnest uses data and technology to understand every applicant's unique financial story and offer customized rates
Lower rates based on your future potential and full financial profile, not just your FICO® score
More savings: Earnest clients save $21,810 on average by refinancing
Flexible terms that let you pick your exact monthly payment, prepay with no penalty, or pay bi-weekly
Lifetime service provided in-house. Unlike other lenders, Earnest will never pass you off to third-party servicers
No fees for origination, prepayment or loan disbursement
Two-minute rate check with no obligation or impact to your credit score
Protection Details
Auto Pay Discount
Rate displayed includes the 0.25% APR discount for using auto-pay1
Forbearance
With documentation from your previous servicer to confirm, we may match your existing grace period for up to nine months.
Payment Deferral
Payment deferral is available in some cases, including post-graduation grace periods, economic hardship, enrollment in school, active military duty, and Peace Corps service.
To qualify, you must be a U.S. citizen or possess a 10-year (non-conditional) Permanent Resident Card, reside in a state Earnest lends in, and satisfy our minimum eligibility criteria. You may find more information on loan eligibility here: https://www.earnest.com/eligibility. Not all applicants will be approved for a loan, and not all applicants qualify for the lowest rate. Approval and interest rate depend on the review of a complete application.
Earnest's fixed rate loan rates range from 4.25% APR (with autopay) to 8.77% APR (with autopay). Variable rate loan rates range from 3.5% APR (with autopay) to 8.72% APR (with autopay). For variable rate loans, although the interest rate will vary after you are approved, the interest rate will never exceed 8.95% for loan terms of 10 years or less. For loan terms of 10 to 15 years, the interest rate will never exceed 9.95%. For loan terms over 15 years, the interest rate will never exceed 11.95% (the maximum rates for these loans). Earnest variable interest rate loans are based on a publicly available index, the one month London Interbank Offered Rate (LIBOR). Your rate will be calculated each month by adding a margin between 2.98% and 8.2% to the one month LIBOR. The rate will not increase more than once per month. Earnest rate ranges are current as of March 18, 2020 and are subject to change based on market conditions and borrower eligibility.
1Autopay Discount: If you make monthly principal and interest payments by an automatic, monthly deduction from a savings or checking account, your rate will be reduced by one quarter of one percent (0.25%) for so long as you continue to make automatic, electronic monthly payments. This benefit is suspended during periods of deferment and forbearance.
The information provided on this page is updated as of 3/18/20. Earnest reserves the right to change, pause, or terminate product offerings at any time without notice.
Earnest loans are originated by Earnest Operations LLC. California Finance Lender License 6054788. NMLS # 1204917. Earnest Operations LLC is located at 303 2nd Street, Suite 401N, San Francisco, CA 94107. Terms and Conditions apply. Visit https://www.earnest.com/terms-of-service, e-mail us at hello@earnest.com, or call 888-601-2801 for more information on our student loan refinance product.
Earnest's fixed rate loan rates range from 4.25% APR (with autopay) to 8.77% APR (with autopay). Variable rate loan rates range from 3.5% APR (with autopay) to 8.72% APR (with autopay). For variable rate loans, although the interest rate will vary after you are approved, the interest rate will never exceed 8.95% for loan terms of 10 years or less. For loan terms of 10 to 15 years, the interest rate will never exceed 9.95%. For loan terms over 15 years, the interest rate will never exceed 11.95% (the maximum rates for these loans). Earnest variable interest rate loans are based on a publicly available index, the one month London Interbank Offered Rate (LIBOR). Your rate will be calculated each month by adding a margin between 2.98% and 8.2% to the one month LIBOR. The rate will not increase more than once per month. Earnest rate ranges are current as of March 18, 2020 and are subject to change based on market conditions and borrower eligibility.
1Autopay Discount: If you make monthly principal and interest payments by an automatic, monthly deduction from a savings or checking account, your rate will be reduced by one quarter of one percent (0.25%) for so long as you continue to make automatic, electronic monthly payments. This benefit is suspended during periods of deferment and forbearance.
The information provided on this page is updated as of 3/18/20. Earnest reserves the right to change, pause, or terminate product offerings at any time without notice.
Earnest loans are originated by Earnest Operations LLC. California Finance Lender License 6054788. NMLS # 1204917. Earnest Operations LLC is located at 303 2nd Street, Suite 401N, San Francisco, CA 94107. Terms and Conditions apply. Visit https://www.earnest.com/terms-of-service, e-mail us at hello@earnest.com, or call 888-601-2801 for more information on our student loan refinance product.
180 Months
4.54 - 11.98%
fixed APR
$151
$151 was calculated based on a $15,000 loan with a rate of 8.89% over 180 months.
Per Month
Loan Details
0.25% rate reduction with auto-pay for repayment
No origination, application and processing fees, no fees for early repayment
Multiple repayment options including: full principal and interest, interest-only, deferred, and flat payment
Coverage up to 100% of your school-certified cost of attendance ($1,000 minimum)
Protection Details
Auto Pay Discount
Autopay discounts available of up to a 0.25% interest rate reduction
Interest Payments Only
Pay the interest charges each month as you go during school
Payment Deferral
No in-school payments required, but you'll pay more in interest over the life of your loan
College Ave Student Loans products are made available through either Firstrust Bank, member FDIC or M.Y. Safra Bank, FSB, member FDIC. All loans are subject to individual approval and adherence to underwriting guidelines. Program restrictions, other terms, and conditions apply.
This informational repayment example uses typical loan terms for a freshman borrower who selects the Deferred Repayment Option with a 10-year repayment term, has a $10,000 loan that is disbursed in one disbursement and a 8.35% fixed Annual Percentage Rate ("APR"): 120 monthly payments of $179.18 while in the repayment period, for a total amount of payments of $21,501.54. Loans will never have a full principal and interest monthly payment of less than $50. Your actual rates and repayment terms may vary.
This informational repayment example uses typical loan terms for a first year graduate student borrower who selects the Deferred Repayment Option with a 10-year repayment term, has a $10,000 loan that is disbursed in one disbursement and a 7.10% fixed Annual Percentage Rate ("APR"): 120 monthly payments of $141.66 while in the repayment period, for a total amount of payments of $16,699.21. Loans will never have a full principal and interest monthly payment of less than $50. Your actual rates and repayment terms may vary.
The 0.25% auto-pay interest rate reduction applies as long as a valid bank account is designated for required monthly payments. Variable rates may increase after consummation.
This informational repayment example uses typical loan terms for a freshman borrower who selects the Deferred Repayment Option with a 10-year repayment term, has a $10,000 loan that is disbursed in one disbursement and a 8.35% fixed Annual Percentage Rate ("APR"): 120 monthly payments of $179.18 while in the repayment period, for a total amount of payments of $21,501.54. Loans will never have a full principal and interest monthly payment of less than $50. Your actual rates and repayment terms may vary.
This informational repayment example uses typical loan terms for a first year graduate student borrower who selects the Deferred Repayment Option with a 10-year repayment term, has a $10,000 loan that is disbursed in one disbursement and a 7.10% fixed Annual Percentage Rate ("APR"): 120 monthly payments of $141.66 while in the repayment period, for a total amount of payments of $16,699.21. Loans will never have a full principal and interest monthly payment of less than $50. Your actual rates and repayment terms may vary.
The 0.25% auto-pay interest rate reduction applies as long as a valid bank account is designated for required monthly payments. Variable rates may increase after consummation.
180 Months
6.21 - 8.72%
variable APR
$139
$139 was calculated based on a $15,000 loan with a rate of 7.46% over 180 months.
Per Month
Loan Details
Earnest uses data and technology to understand every applicant's unique financial story and offer customized rates
Lower rates based on your future potential and full financial profile, not just your FICO® score
More savings: Earnest clients save $21,810 on average by refinancing
Flexible terms that let you pick your exact monthly payment, prepay with no penalty, or pay bi-weekly
Lifetime service provided in-house. Unlike other lenders, Earnest will never pass you off to third-party servicers
No fees for origination, prepayment or loan disbursement
Two-minute rate check with no obligation or impact to your credit score
Protection Details
Auto Pay Discount
Rate displayed includes the 0.25% APR discount for using auto-pay1
Forbearance
With documentation from your previous servicer to confirm, we may match your existing grace period for up to nine months.
Payment Deferral
Payment deferral is available in some cases, including post-graduation grace periods, economic hardship, enrollment in school, active military duty, and Peace Corps service.
To qualify, you must be a U.S. citizen or possess a 10-year (non-conditional) Permanent Resident Card, reside in a state Earnest lends in, and satisfy our minimum eligibility criteria. You may find more information on loan eligibility here: https://www.earnest.com/eligibility. Not all applicants will be approved for a loan, and not all applicants qualify for the lowest rate. Approval and interest rate depend on the review of a complete application.
Earnest's fixed rate loan rates range from 4.25% APR (with autopay) to 8.77% APR (with autopay). Variable rate loan rates range from 3.5% APR (with autopay) to 8.72% APR (with autopay). For variable rate loans, although the interest rate will vary after you are approved, the interest rate will never exceed 8.95% for loan terms of 10 years or less. For loan terms of 10 to 15 years, the interest rate will never exceed 9.95%. For loan terms over 15 years, the interest rate will never exceed 11.95% (the maximum rates for these loans). Earnest variable interest rate loans are based on a publicly available index, the one month London Interbank Offered Rate (LIBOR). Your rate will be calculated each month by adding a margin between 2.98% and 8.2% to the one month LIBOR. The rate will not increase more than once per month. Earnest rate ranges are current as of March 18, 2020 and are subject to change based on market conditions and borrower eligibility.
1Autopay Discount: If you make monthly principal and interest payments by an automatic, monthly deduction from a savings or checking account, your rate will be reduced by one quarter of one percent (0.25%) for so long as you continue to make automatic, electronic monthly payments. This benefit is suspended during periods of deferment and forbearance.
The information provided on this page is updated as of 3/18/20. Earnest reserves the right to change, pause, or terminate product offerings at any time without notice.
Earnest loans are originated by Earnest Operations LLC. California Finance Lender License 6054788. NMLS # 1204917. Earnest Operations LLC is located at 303 2nd Street, Suite 401N, San Francisco, CA 94107. Terms and Conditions apply. Visit https://www.earnest.com/terms-of-service, e-mail us at hello@earnest.com, or call 888-601-2801 for more information on our student loan refinance product.
Earnest's fixed rate loan rates range from 4.25% APR (with autopay) to 8.77% APR (with autopay). Variable rate loan rates range from 3.5% APR (with autopay) to 8.72% APR (with autopay). For variable rate loans, although the interest rate will vary after you are approved, the interest rate will never exceed 8.95% for loan terms of 10 years or less. For loan terms of 10 to 15 years, the interest rate will never exceed 9.95%. For loan terms over 15 years, the interest rate will never exceed 11.95% (the maximum rates for these loans). Earnest variable interest rate loans are based on a publicly available index, the one month London Interbank Offered Rate (LIBOR). Your rate will be calculated each month by adding a margin between 2.98% and 8.2% to the one month LIBOR. The rate will not increase more than once per month. Earnest rate ranges are current as of March 18, 2020 and are subject to change based on market conditions and borrower eligibility.
1Autopay Discount: If you make monthly principal and interest payments by an automatic, monthly deduction from a savings or checking account, your rate will be reduced by one quarter of one percent (0.25%) for so long as you continue to make automatic, electronic monthly payments. This benefit is suspended during periods of deferment and forbearance.
The information provided on this page is updated as of 3/18/20. Earnest reserves the right to change, pause, or terminate product offerings at any time without notice.
Earnest loans are originated by Earnest Operations LLC. California Finance Lender License 6054788. NMLS # 1204917. Earnest Operations LLC is located at 303 2nd Street, Suite 401N, San Francisco, CA 94107. Terms and Conditions apply. Visit https://www.earnest.com/terms-of-service, e-mail us at hello@earnest.com, or call 888-601-2801 for more information on our student loan refinance product.
60 Months
2.84 - 10.97%
variable APR
$298
$298 was calculated based on a $15,000 loan with a rate of 7.14% over 60 months.
Per Month
Loan Details
0.25% rate reduction with auto-pay for repayment
No origination, application and processing fees, no fees for early repayment
Multiple repayment options including: full principal and interest, interest-only, deferred, and flat payment
Coverage up to 100% of your school-certified cost of attendance ($1,000 minimum)
Protection Details
Auto Pay Discount
Autopay discounts available of up to a 0.25% interest rate reduction
Interest Payments Only
Pay the interest charges each month as you go during school
Payment Deferral
No in-school payments required, but you'll pay more in interest over the life of your loan
College Ave Student Loans products are made available through either Firstrust Bank, member FDIC or M.Y. Safra Bank, FSB, member FDIC. All loans are subject to individual approval and adherence to underwriting guidelines. Program restrictions, other terms, and conditions apply.
This informational repayment example uses typical loan terms for a freshman borrower who selects the Deferred Repayment Option with a 10-year repayment term, has a $10,000 loan that is disbursed in one disbursement and a 8.35% fixed Annual Percentage Rate ("APR"): 120 monthly payments of $179.18 while in the repayment period, for a total amount of payments of $21,501.54. Loans will never have a full principal and interest monthly payment of less than $50. Your actual rates and repayment terms may vary.
This informational repayment example uses typical loan terms for a first year graduate student borrower who selects the Deferred Repayment Option with a 10-year repayment term, has a $10,000 loan that is disbursed in one disbursement and a 7.10% fixed Annual Percentage Rate ("APR"): 120 monthly payments of $141.66 while in the repayment period, for a total amount of payments of $16,699.21. Loans will never have a full principal and interest monthly payment of less than $50. Your actual rates and repayment terms may vary.
The 0.25% auto-pay interest rate reduction applies as long as a valid bank account is designated for required monthly payments. Variable rates may increase after consummation.
This informational repayment example uses typical loan terms for a freshman borrower who selects the Deferred Repayment Option with a 10-year repayment term, has a $10,000 loan that is disbursed in one disbursement and a 8.35% fixed Annual Percentage Rate ("APR"): 120 monthly payments of $179.18 while in the repayment period, for a total amount of payments of $21,501.54. Loans will never have a full principal and interest monthly payment of less than $50. Your actual rates and repayment terms may vary.
This informational repayment example uses typical loan terms for a first year graduate student borrower who selects the Deferred Repayment Option with a 10-year repayment term, has a $10,000 loan that is disbursed in one disbursement and a 7.10% fixed Annual Percentage Rate ("APR"): 120 monthly payments of $141.66 while in the repayment period, for a total amount of payments of $16,699.21. Loans will never have a full principal and interest monthly payment of less than $50. Your actual rates and repayment terms may vary.
The 0.25% auto-pay interest rate reduction applies as long as a valid bank account is designated for required monthly payments. Variable rates may increase after consummation.
120 Months
3.98 - 5.39%
variable APR
$157
$157 was calculated based on a $15,000 loan with a rate of 4.68% over 120 months.
Per Month
Loan Details
Low Rates and Flexible Terms1: Education Loan Finance strives to offer among the lowest student loan refinancing rates in the industry for both fixed and variable rate loans with flexible terms from 5 to 20 years
No Application Fees, Origination Fees, or Prepayment Penalties
Loan Amounts Starting at $15,000 and Up
Consolidate Multiple Loans (Federal and Private) into One Easy Monthly Payment. Refinancing of Parent Loans Also Offered.
Get Your Rate. With Education Loan Finance's Find My Rate tool, you can complete a short application to receive a preliminary quote on your eligible rates and terms, all without affecting your credit score.
Apply in Minutes. Our online loan application is fast and simple.
Outstanding Personalized Service. Our Personal Loan Advisors specialize in helping borrowers save money by recommending personalized refinance options for eligible borrowers.
Student Lending Experience: Education Loan Finance isn't a start-up company - we have a longstanding history and expertise in serving student loan borrowers
Education Loan Finance Referral Program2: Refinance your student loan with us and earn $400 for each new client you refer through our generous referral program
Protection Details
Disclosure1Subject to credit approval. Terms and conditions apply. http://www.elfi.com/terms/
2Visit website for full details. Restrictions apply.
2Visit website for full details. Restrictions apply.
168 Months
6.22 - 8.77%
fixed APR
$144
$144 was calculated based on a $15,000 loan with a rate of 7.49% over 168 months.
Per Month
Loan Details
Earnest uses data and technology to understand every applicant's unique financial story and offer customized rates
Lower rates based on your future potential and full financial profile, not just your FICO® score
More savings: Earnest clients save $21,810 on average by refinancing
Flexible terms that let you pick your exact monthly payment, prepay with no penalty, or pay bi-weekly
Lifetime service provided in-house. Unlike other lenders, Earnest will never pass you off to third-party servicers
No fees for origination, prepayment or loan disbursement
Two-minute rate check with no obligation or impact to your credit score
Protection Details
Auto Pay Discount
Rate displayed includes the 0.25% APR discount for using auto-pay1
Forbearance
With documentation from your previous servicer to confirm, we may match your existing grace period for up to nine months.
Payment Deferral
Payment deferral is available in some cases, including post-graduation grace periods, economic hardship, enrollment in school, active military duty, and Peace Corps service.
To qualify, you must be a U.S. citizen or possess a 10-year (non-conditional) Permanent Resident Card, reside in a state Earnest lends in, and satisfy our minimum eligibility criteria. You may find more information on loan eligibility here: https://www.earnest.com/eligibility. Not all applicants will be approved for a loan, and not all applicants qualify for the lowest rate. Approval and interest rate depend on the review of a complete application.
Earnest's fixed rate loan rates range from 4.25% APR (with autopay) to 8.77% APR (with autopay). Variable rate loan rates range from 3.5% APR (with autopay) to 8.72% APR (with autopay). For variable rate loans, although the interest rate will vary after you are approved, the interest rate will never exceed 8.95% for loan terms of 10 years or less. For loan terms of 10 to 15 years, the interest rate will never exceed 9.95%. For loan terms over 15 years, the interest rate will never exceed 11.95% (the maximum rates for these loans). Earnest variable interest rate loans are based on a publicly available index, the one month London Interbank Offered Rate (LIBOR). Your rate will be calculated each month by adding a margin between 2.98% and 8.2% to the one month LIBOR. The rate will not increase more than once per month. Earnest rate ranges are current as of March 18, 2020 and are subject to change based on market conditions and borrower eligibility.
1Autopay Discount: If you make monthly principal and interest payments by an automatic, monthly deduction from a savings or checking account, your rate will be reduced by one quarter of one percent (0.25%) for so long as you continue to make automatic, electronic monthly payments. This benefit is suspended during periods of deferment and forbearance.
The information provided on this page is updated as of 3/18/20. Earnest reserves the right to change, pause, or terminate product offerings at any time without notice.
Earnest loans are originated by Earnest Operations LLC. California Finance Lender License 6054788. NMLS # 1204917. Earnest Operations LLC is located at 303 2nd Street, Suite 401N, San Francisco, CA 94107. Terms and Conditions apply. Visit https://www.earnest.com/terms-of-service, e-mail us at hello@earnest.com, or call 888-601-2801 for more information on our student loan refinance product.
Earnest's fixed rate loan rates range from 4.25% APR (with autopay) to 8.77% APR (with autopay). Variable rate loan rates range from 3.5% APR (with autopay) to 8.72% APR (with autopay). For variable rate loans, although the interest rate will vary after you are approved, the interest rate will never exceed 8.95% for loan terms of 10 years or less. For loan terms of 10 to 15 years, the interest rate will never exceed 9.95%. For loan terms over 15 years, the interest rate will never exceed 11.95% (the maximum rates for these loans). Earnest variable interest rate loans are based on a publicly available index, the one month London Interbank Offered Rate (LIBOR). Your rate will be calculated each month by adding a margin between 2.98% and 8.2% to the one month LIBOR. The rate will not increase more than once per month. Earnest rate ranges are current as of March 18, 2020 and are subject to change based on market conditions and borrower eligibility.
1Autopay Discount: If you make monthly principal and interest payments by an automatic, monthly deduction from a savings or checking account, your rate will be reduced by one quarter of one percent (0.25%) for so long as you continue to make automatic, electronic monthly payments. This benefit is suspended during periods of deferment and forbearance.
The information provided on this page is updated as of 3/18/20. Earnest reserves the right to change, pause, or terminate product offerings at any time without notice.
Earnest loans are originated by Earnest Operations LLC. California Finance Lender License 6054788. NMLS # 1204917. Earnest Operations LLC is located at 303 2nd Street, Suite 401N, San Francisco, CA 94107. Terms and Conditions apply. Visit https://www.earnest.com/terms-of-service, e-mail us at hello@earnest.com, or call 888-601-2801 for more information on our student loan refinance product.
192 Months
6.50 - 8.77%
fixed APR
$136
$136 was calculated based on a $15,000 loan with a rate of 7.63% over 192 months.
Per Month
Loan Details
Earnest uses data and technology to understand every applicant's unique financial story and offer customized rates
Lower rates based on your future potential and full financial profile, not just your FICO® score
More savings: Earnest clients save $21,810 on average by refinancing
Flexible terms that let you pick your exact monthly payment, prepay with no penalty, or pay bi-weekly
Lifetime service provided in-house. Unlike other lenders, Earnest will never pass you off to third-party servicers
No fees for origination, prepayment or loan disbursement
Two-minute rate check with no obligation or impact to your credit score
Protection Details
Auto Pay Discount
Rate displayed includes the 0.25% APR discount for using auto-pay1
Forbearance
With documentation from your previous servicer to confirm, we may match your existing grace period for up to nine months.
Payment Deferral
Payment deferral is available in some cases, including post-graduation grace periods, economic hardship, enrollment in school, active military duty, and Peace Corps service.
To qualify, you must be a U.S. citizen or possess a 10-year (non-conditional) Permanent Resident Card, reside in a state Earnest lends in, and satisfy our minimum eligibility criteria. You may find more information on loan eligibility here: https://www.earnest.com/eligibility. Not all applicants will be approved for a loan, and not all applicants qualify for the lowest rate. Approval and interest rate depend on the review of a complete application.
Earnest's fixed rate loan rates range from 4.25% APR (with autopay) to 8.77% APR (with autopay). Variable rate loan rates range from 3.5% APR (with autopay) to 8.72% APR (with autopay). For variable rate loans, although the interest rate will vary after you are approved, the interest rate will never exceed 8.95% for loan terms of 10 years or less. For loan terms of 10 to 15 years, the interest rate will never exceed 9.95%. For loan terms over 15 years, the interest rate will never exceed 11.95% (the maximum rates for these loans). Earnest variable interest rate loans are based on a publicly available index, the one month London Interbank Offered Rate (LIBOR). Your rate will be calculated each month by adding a margin between 2.98% and 8.2% to the one month LIBOR. The rate will not increase more than once per month. Earnest rate ranges are current as of March 18, 2020 and are subject to change based on market conditions and borrower eligibility.
1Autopay Discount: If you make monthly principal and interest payments by an automatic, monthly deduction from a savings or checking account, your rate will be reduced by one quarter of one percent (0.25%) for so long as you continue to make automatic, electronic monthly payments. This benefit is suspended during periods of deferment and forbearance.
The information provided on this page is updated as of 3/18/20. Earnest reserves the right to change, pause, or terminate product offerings at any time without notice.
Earnest loans are originated by Earnest Operations LLC. California Finance Lender License 6054788. NMLS # 1204917. Earnest Operations LLC is located at 303 2nd Street, Suite 401N, San Francisco, CA 94107. Terms and Conditions apply. Visit https://www.earnest.com/terms-of-service, e-mail us at hello@earnest.com, or call 888-601-2801 for more information on our student loan refinance product.
Earnest's fixed rate loan rates range from 4.25% APR (with autopay) to 8.77% APR (with autopay). Variable rate loan rates range from 3.5% APR (with autopay) to 8.72% APR (with autopay). For variable rate loans, although the interest rate will vary after you are approved, the interest rate will never exceed 8.95% for loan terms of 10 years or less. For loan terms of 10 to 15 years, the interest rate will never exceed 9.95%. For loan terms over 15 years, the interest rate will never exceed 11.95% (the maximum rates for these loans). Earnest variable interest rate loans are based on a publicly available index, the one month London Interbank Offered Rate (LIBOR). Your rate will be calculated each month by adding a margin between 2.98% and 8.2% to the one month LIBOR. The rate will not increase more than once per month. Earnest rate ranges are current as of March 18, 2020 and are subject to change based on market conditions and borrower eligibility.
1Autopay Discount: If you make monthly principal and interest payments by an automatic, monthly deduction from a savings or checking account, your rate will be reduced by one quarter of one percent (0.25%) for so long as you continue to make automatic, electronic monthly payments. This benefit is suspended during periods of deferment and forbearance.
The information provided on this page is updated as of 3/18/20. Earnest reserves the right to change, pause, or terminate product offerings at any time without notice.
Earnest loans are originated by Earnest Operations LLC. California Finance Lender License 6054788. NMLS # 1204917. Earnest Operations LLC is located at 303 2nd Street, Suite 401N, San Francisco, CA 94107. Terms and Conditions apply. Visit https://www.earnest.com/terms-of-service, e-mail us at hello@earnest.com, or call 888-601-2801 for more information on our student loan refinance product.
120 Months
4.67 - 5.21%
fixed APR
$159
$159 was calculated based on a $15,000 loan with a rate of 4.94% over 120 months.
Per Month
Loan Details
Refinance and consolidate private and federal student loans
650 minimum FICO® Score
No origination fees and no prepayment penalties
Simple online application with live support 7 days a week
Career support - complimentary career coaching for SoFi members
Protection Details
Auto Pay Discount
There is a 0.25% interest rate reduction when you set up auto-pay
Payment Deferral
If you lose your job through no fault of your own, you may apply for Unemployment Protection. Terms and conditions apply, see https://www.sofi.com/legal/#3 for details.
Fixed rates from 3.20% APR to 6.48% APR (with AutoPay). Variable rates from 2.31% APR to 6.48% APR (with AutoPay). Interest rates on variable rate loans are capped at either 8.95% or 9.95% depending on term of loan. See APR examples and terms. Lowest variable rate of 2.31% APR assumes current 1 month LIBOR rate of 1.81% plus 0.75% margin minus 0.25% ACH discount. Not all borrowers receive the lowest rate. If approved for a loan, the fixed or variable interest rate offered will depend on your creditworthiness, and the term of the loan and other factors, and will be within the ranges of rates listed above. For the SoFi variable rate loan, the 1-month LIBOR index will adjust monthly and the loan payment will be re-amortized and may change monthly. APRs for variable rate loans may increase after origination if the LIBOR index increases. See eligibility details. The SoFi 0.25% AutoPay interest rate reduction requires you to agree to make monthly principal and interest payments by an automatic monthly deduction from a savings or checking account. The benefit will discontinue and be lost for periods in which you do not pay by automatic deduction from a savings or checking account. *To check the rates and terms you qualify for, SoFi conducts a soft credit inquiry. Unlike hard credit inquiries, soft credit inquiries (or soft credit pulls) do not impact your credit score. Soft credit inquiries allow SoFi to show you what rates and terms SoFi can offer you up front. After seeing your rates, if you choose a product and continue your application, we will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit inquiry. Hard credit inquiries (or hard credit pulls) are required for SoFi to be able to issue you a loan. In addition to requiring your explicit permission, these credit pulls may impact your credit score.
120 Months
5.64 - 9.64%
variable APR
$179
$179 was calculated based on a $15,000 loan with a rate of 7.64% over 120 months.
Per Month
Protection Details
Auto Pay Discount
There is a 0.25% interest rate reduction when you set up auto-pay1
Forbearance
Up to two years of forebearance due to financial hardship
Payment Deferral
Deferred while in school
Offered terms are subject to change. Loans are offered by CommonBond Lending, LLC (NMLS # 1175900). If you are approved for a loan, the interest rate offered will depend on your credit profile, your application, the loan term selected and will be within the ranges of rates shown. 1All Annual Percentage Rates (APRs) displayed assume borrowers enroll in auto pay and account for the 0.25% reduction in interest rate. All variable rates are based on 1-month LIBOR
132 Months
6.09 - 8.72%
variable APR
$167
$167 was calculated based on a $15,000 loan with a rate of 7.41% over 132 months.
Per Month
Loan Details
Earnest uses data and technology to understand every applicant's unique financial story and offer customized rates
Lower rates based on your future potential and full financial profile, not just your FICO® score
More savings: Earnest clients save $21,810 on average by refinancing
Flexible terms that let you pick your exact monthly payment, prepay with no penalty, or pay bi-weekly
Lifetime service provided in-house. Unlike other lenders, Earnest will never pass you off to third-party servicers
No fees for origination, prepayment or loan disbursement
Two-minute rate check with no obligation or impact to your credit score
Protection Details
Auto Pay Discount
Rate displayed includes the 0.25% APR discount for using auto-pay1
Forbearance
With documentation from your previous servicer to confirm, we may match your existing grace period for up to nine months.
Payment Deferral
Payment deferral is available in some cases, including post-graduation grace periods, economic hardship, enrollment in school, active military duty, and Peace Corps service.
To qualify, you must be a U.S. citizen or possess a 10-year (non-conditional) Permanent Resident Card, reside in a state Earnest lends in, and satisfy our minimum eligibility criteria. You may find more information on loan eligibility here: https://www.earnest.com/eligibility. Not all applicants will be approved for a loan, and not all applicants qualify for the lowest rate. Approval and interest rate depend on the review of a complete application.
Earnest's fixed rate loan rates range from 4.25% APR (with autopay) to 8.77% APR (with autopay). Variable rate loan rates range from 3.5% APR (with autopay) to 8.72% APR (with autopay). For variable rate loans, although the interest rate will vary after you are approved, the interest rate will never exceed 8.95% for loan terms of 10 years or less. For loan terms of 10 to 15 years, the interest rate will never exceed 9.95%. For loan terms over 15 years, the interest rate will never exceed 11.95% (the maximum rates for these loans). Earnest variable interest rate loans are based on a publicly available index, the one month London Interbank Offered Rate (LIBOR). Your rate will be calculated each month by adding a margin between 2.98% and 8.2% to the one month LIBOR. The rate will not increase more than once per month. Earnest rate ranges are current as of March 18, 2020 and are subject to change based on market conditions and borrower eligibility.
1Autopay Discount: If you make monthly principal and interest payments by an automatic, monthly deduction from a savings or checking account, your rate will be reduced by one quarter of one percent (0.25%) for so long as you continue to make automatic, electronic monthly payments. This benefit is suspended during periods of deferment and forbearance.
The information provided on this page is updated as of 3/18/20. Earnest reserves the right to change, pause, or terminate product offerings at any time without notice.
Earnest loans are originated by Earnest Operations LLC. California Finance Lender License 6054788. NMLS # 1204917. Earnest Operations LLC is located at 303 2nd Street, Suite 401N, San Francisco, CA 94107. Terms and Conditions apply. Visit https://www.earnest.com/terms-of-service, e-mail us at hello@earnest.com, or call 888-601-2801 for more information on our student loan refinance product.
Earnest's fixed rate loan rates range from 4.25% APR (with autopay) to 8.77% APR (with autopay). Variable rate loan rates range from 3.5% APR (with autopay) to 8.72% APR (with autopay). For variable rate loans, although the interest rate will vary after you are approved, the interest rate will never exceed 8.95% for loan terms of 10 years or less. For loan terms of 10 to 15 years, the interest rate will never exceed 9.95%. For loan terms over 15 years, the interest rate will never exceed 11.95% (the maximum rates for these loans). Earnest variable interest rate loans are based on a publicly available index, the one month London Interbank Offered Rate (LIBOR). Your rate will be calculated each month by adding a margin between 2.98% and 8.2% to the one month LIBOR. The rate will not increase more than once per month. Earnest rate ranges are current as of March 18, 2020 and are subject to change based on market conditions and borrower eligibility.
1Autopay Discount: If you make monthly principal and interest payments by an automatic, monthly deduction from a savings or checking account, your rate will be reduced by one quarter of one percent (0.25%) for so long as you continue to make automatic, electronic monthly payments. This benefit is suspended during periods of deferment and forbearance.
The information provided on this page is updated as of 3/18/20. Earnest reserves the right to change, pause, or terminate product offerings at any time without notice.
Earnest loans are originated by Earnest Operations LLC. California Finance Lender License 6054788. NMLS # 1204917. Earnest Operations LLC is located at 303 2nd Street, Suite 401N, San Francisco, CA 94107. Terms and Conditions apply. Visit https://www.earnest.com/terms-of-service, e-mail us at hello@earnest.com, or call 888-601-2801 for more information on our student loan refinance product.
120 Months
4.99 - 6.69%
fixed APR
$165
$165 was calculated based on a $15,000 loan with a rate of 5.84% over 120 months.
Per Month
Loan Details
Low Rates and Flexible Terms1: Education Loan Finance strives to offer among the lowest student loan refinancing rates in the industry for both fixed and variable rate loans with flexible terms from 5 to 20 years
No Application Fees, Origination Fees, or Prepayment Penalties
Loan Amounts Starting at $15,000 and Up
Consolidate Multiple Loans (Federal and Private) into One Easy Monthly Payment. Refinancing of Parent Loans Also Offered.
Get Your Rate. With Education Loan Finance's Find My Rate tool, you can complete a short application to receive a preliminary quote on your eligible rates and terms, all without affecting your credit score.
Apply in Minutes. Our online loan application is fast and simple.
Outstanding Personalized Service. Our Personal Loan Advisors specialize in helping borrowers save money by recommending personalized refinance options for eligible borrowers.
Student Lending Experience: Education Loan Finance isn't a start-up company - we have a longstanding history and expertise in serving student loan borrowers
Education Loan Finance Referral Program2: Refinance your student loan with us and earn $400 for each new client you refer through our generous referral program
Protection Details
Disclosure1Subject to credit approval. Terms and conditions apply. http://www.elfi.com/terms/
2Visit website for full details. Restrictions apply.
2Visit website for full details. Restrictions apply.
144 Months
6.11 - 8.72%
variable APR
$158
$158 was calculated based on a $15,000 loan with a rate of 7.42% over 144 months.
Per Month
Loan Details
Earnest uses data and technology to understand every applicant's unique financial story and offer customized rates
Lower rates based on your future potential and full financial profile, not just your FICO® score
More savings: Earnest clients save $21,810 on average by refinancing
Flexible terms that let you pick your exact monthly payment, prepay with no penalty, or pay bi-weekly
Lifetime service provided in-house. Unlike other lenders, Earnest will never pass you off to third-party servicers
No fees for origination, prepayment or loan disbursement
Two-minute rate check with no obligation or impact to your credit score
Protection Details
Auto Pay Discount
Rate displayed includes the 0.25% APR discount for using auto-pay1
Forbearance
With documentation from your previous servicer to confirm, we may match your existing grace period for up to nine months.
Payment Deferral
Payment deferral is available in some cases, including post-graduation grace periods, economic hardship, enrollment in school, active military duty, and Peace Corps service.
To qualify, you must be a U.S. citizen or possess a 10-year (non-conditional) Permanent Resident Card, reside in a state Earnest lends in, and satisfy our minimum eligibility criteria. You may find more information on loan eligibility here: https://www.earnest.com/eligibility. Not all applicants will be approved for a loan, and not all applicants qualify for the lowest rate. Approval and interest rate depend on the review of a complete application.
Earnest's fixed rate loan rates range from 4.25% APR (with autopay) to 8.77% APR (with autopay). Variable rate loan rates range from 3.5% APR (with autopay) to 8.72% APR (with autopay). For variable rate loans, although the interest rate will vary after you are approved, the interest rate will never exceed 8.95% for loan terms of 10 years or less. For loan terms of 10 to 15 years, the interest rate will never exceed 9.95%. For loan terms over 15 years, the interest rate will never exceed 11.95% (the maximum rates for these loans). Earnest variable interest rate loans are based on a publicly available index, the one month London Interbank Offered Rate (LIBOR). Your rate will be calculated each month by adding a margin between 2.98% and 8.2% to the one month LIBOR. The rate will not increase more than once per month. Earnest rate ranges are current as of March 18, 2020 and are subject to change based on market conditions and borrower eligibility.
1Autopay Discount: If you make monthly principal and interest payments by an automatic, monthly deduction from a savings or checking account, your rate will be reduced by one quarter of one percent (0.25%) for so long as you continue to make automatic, electronic monthly payments. This benefit is suspended during periods of deferment and forbearance.
The information provided on this page is updated as of 3/18/20. Earnest reserves the right to change, pause, or terminate product offerings at any time without notice.
Earnest loans are originated by Earnest Operations LLC. California Finance Lender License 6054788. NMLS # 1204917. Earnest Operations LLC is located at 303 2nd Street, Suite 401N, San Francisco, CA 94107. Terms and Conditions apply. Visit https://www.earnest.com/terms-of-service, e-mail us at hello@earnest.com, or call 888-601-2801 for more information on our student loan refinance product.
Earnest's fixed rate loan rates range from 4.25% APR (with autopay) to 8.77% APR (with autopay). Variable rate loan rates range from 3.5% APR (with autopay) to 8.72% APR (with autopay). For variable rate loans, although the interest rate will vary after you are approved, the interest rate will never exceed 8.95% for loan terms of 10 years or less. For loan terms of 10 to 15 years, the interest rate will never exceed 9.95%. For loan terms over 15 years, the interest rate will never exceed 11.95% (the maximum rates for these loans). Earnest variable interest rate loans are based on a publicly available index, the one month London Interbank Offered Rate (LIBOR). Your rate will be calculated each month by adding a margin between 2.98% and 8.2% to the one month LIBOR. The rate will not increase more than once per month. Earnest rate ranges are current as of March 18, 2020 and are subject to change based on market conditions and borrower eligibility.
1Autopay Discount: If you make monthly principal and interest payments by an automatic, monthly deduction from a savings or checking account, your rate will be reduced by one quarter of one percent (0.25%) for so long as you continue to make automatic, electronic monthly payments. This benefit is suspended during periods of deferment and forbearance.
The information provided on this page is updated as of 3/18/20. Earnest reserves the right to change, pause, or terminate product offerings at any time without notice.
Earnest loans are originated by Earnest Operations LLC. California Finance Lender License 6054788. NMLS # 1204917. Earnest Operations LLC is located at 303 2nd Street, Suite 401N, San Francisco, CA 94107. Terms and Conditions apply. Visit https://www.earnest.com/terms-of-service, e-mail us at hello@earnest.com, or call 888-601-2801 for more information on our student loan refinance product.
84 Months
3.75 - 6.77%
fixed APR
$214
$214 was calculated based on a $15,000 loan with a rate of 5.26% over 84 months.
Per Month
Protection Details
Auto Pay Discount
There is a 0.25% interest rate reduction when you set up auto-pay1
Forbearance
Up to two years of forebearance due to financial hardship
Payment Deferral
Up to 32 months of deferment available
Offered terms are subject to change. Loans are offered by CommonBond Lending, LLC (NMLS # 1175900). If you are approved for a loan, the interest rate offered will depend on your credit profile, your application, the loan term selected and will be within the ranges of rates shown. 1All Annual Percentage Rates (APRs) displayed assume borrowers enroll in auto pay and account for the 0.25% reduction in interest rate. All variable rates are based on 1-month LIBOR
180 Months
6.26 - 8.77%
fixed APR
$139
$139 was calculated based on a $15,000 loan with a rate of 7.51% over 180 months.
Per Month
Loan Details
Earnest uses data and technology to understand every applicant's unique financial story and offer customized rates
Lower rates based on your future potential and full financial profile, not just your FICO® score
More savings: Earnest clients save $21,810 on average by refinancing
Flexible terms that let you pick your exact monthly payment, prepay with no penalty, or pay bi-weekly
Lifetime service provided in-house. Unlike other lenders, Earnest will never pass you off to third-party servicers
No fees for origination, prepayment or loan disbursement
Two-minute rate check with no obligation or impact to your credit score
Protection Details
Auto Pay Discount
Rate displayed includes the 0.25% APR discount for using auto-pay1
Forbearance
With documentation from your previous servicer to confirm, we may match your existing grace period for up to nine months.
Payment Deferral
Payment deferral is available in some cases, including post-graduation grace periods, economic hardship, enrollment in school, active military duty, and Peace Corps service.
To qualify, you must be a U.S. citizen or possess a 10-year (non-conditional) Permanent Resident Card, reside in a state Earnest lends in, and satisfy our minimum eligibility criteria. You may find more information on loan eligibility here: https://www.earnest.com/eligibility. Not all applicants will be approved for a loan, and not all applicants qualify for the lowest rate. Approval and interest rate depend on the review of a complete application.
Earnest's fixed rate loan rates range from 4.25% APR (with autopay) to 8.77% APR (with autopay). Variable rate loan rates range from 3.5% APR (with autopay) to 8.72% APR (with autopay). For variable rate loans, although the interest rate will vary after you are approved, the interest rate will never exceed 8.95% for loan terms of 10 years or less. For loan terms of 10 to 15 years, the interest rate will never exceed 9.95%. For loan terms over 15 years, the interest rate will never exceed 11.95% (the maximum rates for these loans). Earnest variable interest rate loans are based on a publicly available index, the one month London Interbank Offered Rate (LIBOR). Your rate will be calculated each month by adding a margin between 2.98% and 8.2% to the one month LIBOR. The rate will not increase more than once per month. Earnest rate ranges are current as of March 18, 2020 and are subject to change based on market conditions and borrower eligibility.
1Autopay Discount: If you make monthly principal and interest payments by an automatic, monthly deduction from a savings or checking account, your rate will be reduced by one quarter of one percent (0.25%) for so long as you continue to make automatic, electronic monthly payments. This benefit is suspended during periods of deferment and forbearance.
The information provided on this page is updated as of 3/18/20. Earnest reserves the right to change, pause, or terminate product offerings at any time without notice.
Earnest loans are originated by Earnest Operations LLC. California Finance Lender License 6054788. NMLS # 1204917. Earnest Operations LLC is located at 303 2nd Street, Suite 401N, San Francisco, CA 94107. Terms and Conditions apply. Visit https://www.earnest.com/terms-of-service, e-mail us at hello@earnest.com, or call 888-601-2801 for more information on our student loan refinance product.
Earnest's fixed rate loan rates range from 4.25% APR (with autopay) to 8.77% APR (with autopay). Variable rate loan rates range from 3.5% APR (with autopay) to 8.72% APR (with autopay). For variable rate loans, although the interest rate will vary after you are approved, the interest rate will never exceed 8.95% for loan terms of 10 years or less. For loan terms of 10 to 15 years, the interest rate will never exceed 9.95%. For loan terms over 15 years, the interest rate will never exceed 11.95% (the maximum rates for these loans). Earnest variable interest rate loans are based on a publicly available index, the one month London Interbank Offered Rate (LIBOR). Your rate will be calculated each month by adding a margin between 2.98% and 8.2% to the one month LIBOR. The rate will not increase more than once per month. Earnest rate ranges are current as of March 18, 2020 and are subject to change based on market conditions and borrower eligibility.
1Autopay Discount: If you make monthly principal and interest payments by an automatic, monthly deduction from a savings or checking account, your rate will be reduced by one quarter of one percent (0.25%) for so long as you continue to make automatic, electronic monthly payments. This benefit is suspended during periods of deferment and forbearance.
The information provided on this page is updated as of 3/18/20. Earnest reserves the right to change, pause, or terminate product offerings at any time without notice.
Earnest loans are originated by Earnest Operations LLC. California Finance Lender License 6054788. NMLS # 1204917. Earnest Operations LLC is located at 303 2nd Street, Suite 401N, San Francisco, CA 94107. Terms and Conditions apply. Visit https://www.earnest.com/terms-of-service, e-mail us at hello@earnest.com, or call 888-601-2801 for more information on our student loan refinance product.
180 Months
6.45 - 9.65%
variable APR
$144
$144 was calculated based on a $15,000 loan with a rate of 8.05% over 180 months.
Per Month
Protection Details
Auto Pay Discount
There is a 0.25% interest rate reduction when you set up auto-pay1
Forbearance
Up to two years of forebearance due to financial hardship
Payment Deferral
Deferred while in school
Offered terms are subject to change. Loans are offered by CommonBond Lending, LLC (NMLS # 1175900). If you are approved for a loan, the interest rate offered will depend on your credit profile, your application, the loan term selected and will be within the ranges of rates shown. 1All Annual Percentage Rates (APRs) displayed assume borrowers enroll in auto pay and account for the 0.25% reduction in interest rate. All variable rates are based on 1-month LIBOR
180 Months
2.84 - 10.97%
variable APR
$144
$144 was calculated based on a $15,000 loan with a rate of 8.06% over 180 months.
Per Month
Loan Details
0.25% rate reduction with auto-pay for repayment
No origination, application and processing fees, no fees for early repayment
Multiple repayment options including: full principal and interest, interest-only, deferred, and flat payment
Coverage up to 100% of your school-certified cost of attendance ($1,000 minimum)
Protection Details
Auto Pay Discount
Autopay discounts available of up to a 0.25% interest rate reduction
Interest Payments Only
Pay the interest charges each month as you go during school
Payment Deferral
No in-school payments required, but you'll pay more in interest over the life of your loan
College Ave Student Loans products are made available through either Firstrust Bank, member FDIC or M.Y. Safra Bank, FSB, member FDIC. All loans are subject to individual approval and adherence to underwriting guidelines. Program restrictions, other terms, and conditions apply.
This informational repayment example uses typical loan terms for a freshman borrower who selects the Deferred Repayment Option with a 10-year repayment term, has a $10,000 loan that is disbursed in one disbursement and a 8.35% fixed Annual Percentage Rate ("APR"): 120 monthly payments of $179.18 while in the repayment period, for a total amount of payments of $21,501.54. Loans will never have a full principal and interest monthly payment of less than $50. Your actual rates and repayment terms may vary.
This informational repayment example uses typical loan terms for a first year graduate student borrower who selects the Deferred Repayment Option with a 10-year repayment term, has a $10,000 loan that is disbursed in one disbursement and a 7.10% fixed Annual Percentage Rate ("APR"): 120 monthly payments of $141.66 while in the repayment period, for a total amount of payments of $16,699.21. Loans will never have a full principal and interest monthly payment of less than $50. Your actual rates and repayment terms may vary.
The 0.25% auto-pay interest rate reduction applies as long as a valid bank account is designated for required monthly payments. Variable rates may increase after consummation.
This informational repayment example uses typical loan terms for a freshman borrower who selects the Deferred Repayment Option with a 10-year repayment term, has a $10,000 loan that is disbursed in one disbursement and a 8.35% fixed Annual Percentage Rate ("APR"): 120 monthly payments of $179.18 while in the repayment period, for a total amount of payments of $21,501.54. Loans will never have a full principal and interest monthly payment of less than $50. Your actual rates and repayment terms may vary.
This informational repayment example uses typical loan terms for a first year graduate student borrower who selects the Deferred Repayment Option with a 10-year repayment term, has a $10,000 loan that is disbursed in one disbursement and a 7.10% fixed Annual Percentage Rate ("APR"): 120 monthly payments of $141.66 while in the repayment period, for a total amount of payments of $16,699.21. Loans will never have a full principal and interest monthly payment of less than $50. Your actual rates and repayment terms may vary.
The 0.25% auto-pay interest rate reduction applies as long as a valid bank account is designated for required monthly payments. Variable rates may increase after consummation.
228 Months
7.05 - 8.72%
variable APR
$127
$127 was calculated based on a $15,000 loan with a rate of 7.88% over 228 months.
Per Month
Loan Details
Earnest uses data and technology to understand every applicant's unique financial story and offer customized rates
Lower rates based on your future potential and full financial profile, not just your FICO® score
More savings: Earnest clients save $21,810 on average by refinancing
Flexible terms that let you pick your exact monthly payment, prepay with no penalty, or pay bi-weekly
Lifetime service provided in-house. Unlike other lenders, Earnest will never pass you off to third-party servicers
No fees for origination, prepayment or loan disbursement
Two-minute rate check with no obligation or impact to your credit score
Protection Details
Auto Pay Discount
Rate displayed includes the 0.25% APR discount for using auto-pay1
Forbearance
With documentation from your previous servicer to confirm, we may match your existing grace period for up to nine months.
Payment Deferral
Payment deferral is available in some cases, including post-graduation grace periods, economic hardship, enrollment in school, active military duty, and Peace Corps service.
To qualify, you must be a U.S. citizen or possess a 10-year (non-conditional) Permanent Resident Card, reside in a state Earnest lends in, and satisfy our minimum eligibility criteria. You may find more information on loan eligibility here: https://www.earnest.com/eligibility. Not all applicants will be approved for a loan, and not all applicants qualify for the lowest rate. Approval and interest rate depend on the review of a complete application.
Earnest's fixed rate loan rates range from 4.25% APR (with autopay) to 8.77% APR (with autopay). Variable rate loan rates range from 3.5% APR (with autopay) to 8.72% APR (with autopay). For variable rate loans, although the interest rate will vary after you are approved, the interest rate will never exceed 8.95% for loan terms of 10 years or less. For loan terms of 10 to 15 years, the interest rate will never exceed 9.95%. For loan terms over 15 years, the interest rate will never exceed 11.95% (the maximum rates for these loans). Earnest variable interest rate loans are based on a publicly available index, the one month London Interbank Offered Rate (LIBOR). Your rate will be calculated each month by adding a margin between 2.98% and 8.2% to the one month LIBOR. The rate will not increase more than once per month. Earnest rate ranges are current as of March 18, 2020 and are subject to change based on market conditions and borrower eligibility.
1Autopay Discount: If you make monthly principal and interest payments by an automatic, monthly deduction from a savings or checking account, your rate will be reduced by one quarter of one percent (0.25%) for so long as you continue to make automatic, electronic monthly payments. This benefit is suspended during periods of deferment and forbearance.
The information provided on this page is updated as of 3/18/20. Earnest reserves the right to change, pause, or terminate product offerings at any time without notice.
Earnest loans are originated by Earnest Operations LLC. California Finance Lender License 6054788. NMLS # 1204917. Earnest Operations LLC is located at 303 2nd Street, Suite 401N, San Francisco, CA 94107. Terms and Conditions apply. Visit https://www.earnest.com/terms-of-service, e-mail us at hello@earnest.com, or call 888-601-2801 for more information on our student loan refinance product.
Earnest's fixed rate loan rates range from 4.25% APR (with autopay) to 8.77% APR (with autopay). Variable rate loan rates range from 3.5% APR (with autopay) to 8.72% APR (with autopay). For variable rate loans, although the interest rate will vary after you are approved, the interest rate will never exceed 8.95% for loan terms of 10 years or less. For loan terms of 10 to 15 years, the interest rate will never exceed 9.95%. For loan terms over 15 years, the interest rate will never exceed 11.95% (the maximum rates for these loans). Earnest variable interest rate loans are based on a publicly available index, the one month London Interbank Offered Rate (LIBOR). Your rate will be calculated each month by adding a margin between 2.98% and 8.2% to the one month LIBOR. The rate will not increase more than once per month. Earnest rate ranges are current as of March 18, 2020 and are subject to change based on market conditions and borrower eligibility.
1Autopay Discount: If you make monthly principal and interest payments by an automatic, monthly deduction from a savings or checking account, your rate will be reduced by one quarter of one percent (0.25%) for so long as you continue to make automatic, electronic monthly payments. This benefit is suspended during periods of deferment and forbearance.
The information provided on this page is updated as of 3/18/20. Earnest reserves the right to change, pause, or terminate product offerings at any time without notice.
Earnest loans are originated by Earnest Operations LLC. California Finance Lender License 6054788. NMLS # 1204917. Earnest Operations LLC is located at 303 2nd Street, Suite 401N, San Francisco, CA 94107. Terms and Conditions apply. Visit https://www.earnest.com/terms-of-service, e-mail us at hello@earnest.com, or call 888-601-2801 for more information on our student loan refinance product.
120 Months
3.14 - 11.88%
variable APR
$176
$176 was calculated based on a $15,000 loan with a rate of 7.25% over 120 months.
Per Month
Loan Details
No application, origination or disbursement fees
Customize your loan with flexible repayment options
Discount for enrolling in automatic payments
Cover up to 100% of college tuition and living expenses with a minimum loan amount of $1,000 and up to $200,000
After making 24 consecutive on-time payments, you may be able to release your cosigner
100% U.S. based customer service
1% Cash Back Graduation Reward upon satisfaction of certain terms and conditions
Protection Details
Auto Pay Discount
Borrowers can get a 0.25% - 2.00% interest rate reduction if payments are made by Automatic Debit
Forbearance
Ascent loans include deferment and forbearance options: Active Duty Military Deferment, In-School Deferment, Residency / Internship Deferment and Temporary Hardship Forbearance
Interest Payments Only
Student must be registered at least half time. The student will pay only the interest on the loan until graduation. After this full interest and principal payments must be made.
Payment Deferral
This option allows the borrower to postpone payments on the loan while the student is at least half-time enrolled at an eligible institution for up to 60 months
Rewards
1% Cash Back Graduation Reward: Borrowers are eligible to receive a 1% cash reward after graduation and upon meeting certain qualifying criteria
Ascent Student Loans are funded by Richland State Bank (RSB), Member FDIC. Loan products may not be available in certain jurisdictions. Certain restrictions, limitations; and terms and conditions may apply. For Ascent Terms and Conditions please visit: www.AscentStudentLoans.com/Ts&Cs
Rates are effective as of 03/01/2020 and reflect an automatic payment discount of 0.25% on the lowest offered rate and a 2.00% discount on the highest offered rate. Automatic Payment Discount is available if the borrower is enrolled in automatic payments from their personal checking account and the amount is successfully withdrawn from the authorized bank account each month. For Ascent rates and repayment examples please visit: www.AscentStudentLoans.com/Rates
1% Cash Back Graduation Reward subject to terms and conditions. For details, visit: www.AscentStudentLoans.com/CashBack
Rates are effective as of 03/01/2020 and reflect an automatic payment discount of 0.25% on the lowest offered rate and a 2.00% discount on the highest offered rate. Automatic Payment Discount is available if the borrower is enrolled in automatic payments from their personal checking account and the amount is successfully withdrawn from the authorized bank account each month. For Ascent rates and repayment examples please visit: www.AscentStudentLoans.com/Rates
1% Cash Back Graduation Reward subject to terms and conditions. For details, visit: www.AscentStudentLoans.com/CashBack
216 Months
6.85 - 8.72%
variable APR
$129
$129 was calculated based on a $15,000 loan with a rate of 7.79% over 216 months.
Per Month
Loan Details
Earnest uses data and technology to understand every applicant's unique financial story and offer customized rates
Lower rates based on your future potential and full financial profile, not just your FICO® score
More savings: Earnest clients save $21,810 on average by refinancing
Flexible terms that let you pick your exact monthly payment, prepay with no penalty, or pay bi-weekly
Lifetime service provided in-house. Unlike other lenders, Earnest will never pass you off to third-party servicers
No fees for origination, prepayment or loan disbursement
Two-minute rate check with no obligation or impact to your credit score
Protection Details
Auto Pay Discount
Rate displayed includes the 0.25% APR discount for using auto-pay1
Forbearance
With documentation from your previous servicer to confirm, we may match your existing grace period for up to nine months.
Payment Deferral
Payment deferral is available in some cases, including post-graduation grace periods, economic hardship, enrollment in school, active military duty, and Peace Corps service.
To qualify, you must be a U.S. citizen or possess a 10-year (non-conditional) Permanent Resident Card, reside in a state Earnest lends in, and satisfy our minimum eligibility criteria. You may find more information on loan eligibility here: https://www.earnest.com/eligibility. Not all applicants will be approved for a loan, and not all applicants qualify for the lowest rate. Approval and interest rate depend on the review of a complete application.
Earnest's fixed rate loan rates range from 4.25% APR (with autopay) to 8.77% APR (with autopay). Variable rate loan rates range from 3.5% APR (with autopay) to 8.72% APR (with autopay). For variable rate loans, although the interest rate will vary after you are approved, the interest rate will never exceed 8.95% for loan terms of 10 years or less. For loan terms of 10 to 15 years, the interest rate will never exceed 9.95%. For loan terms over 15 years, the interest rate will never exceed 11.95% (the maximum rates for these loans). Earnest variable interest rate loans are based on a publicly available index, the one month London Interbank Offered Rate (LIBOR). Your rate will be calculated each month by adding a margin between 2.98% and 8.2% to the one month LIBOR. The rate will not increase more than once per month. Earnest rate ranges are current as of March 18, 2020 and are subject to change based on market conditions and borrower eligibility.
1Autopay Discount: If you make monthly principal and interest payments by an automatic, monthly deduction from a savings or checking account, your rate will be reduced by one quarter of one percent (0.25%) for so long as you continue to make automatic, electronic monthly payments. This benefit is suspended during periods of deferment and forbearance.
The information provided on this page is updated as of 3/18/20. Earnest reserves the right to change, pause, or terminate product offerings at any time without notice.
Earnest loans are originated by Earnest Operations LLC. California Finance Lender License 6054788. NMLS # 1204917. Earnest Operations LLC is located at 303 2nd Street, Suite 401N, San Francisco, CA 94107. Terms and Conditions apply. Visit https://www.earnest.com/terms-of-service, e-mail us at hello@earnest.com, or call 888-601-2801 for more information on our student loan refinance product.
Earnest's fixed rate loan rates range from 4.25% APR (with autopay) to 8.77% APR (with autopay). Variable rate loan rates range from 3.5% APR (with autopay) to 8.72% APR (with autopay). For variable rate loans, although the interest rate will vary after you are approved, the interest rate will never exceed 8.95% for loan terms of 10 years or less. For loan terms of 10 to 15 years, the interest rate will never exceed 9.95%. For loan terms over 15 years, the interest rate will never exceed 11.95% (the maximum rates for these loans). Earnest variable interest rate loans are based on a publicly available index, the one month London Interbank Offered Rate (LIBOR). Your rate will be calculated each month by adding a margin between 2.98% and 8.2% to the one month LIBOR. The rate will not increase more than once per month. Earnest rate ranges are current as of March 18, 2020 and are subject to change based on market conditions and borrower eligibility.
1Autopay Discount: If you make monthly principal and interest payments by an automatic, monthly deduction from a savings or checking account, your rate will be reduced by one quarter of one percent (0.25%) for so long as you continue to make automatic, electronic monthly payments. This benefit is suspended during periods of deferment and forbearance.
The information provided on this page is updated as of 3/18/20. Earnest reserves the right to change, pause, or terminate product offerings at any time without notice.
Earnest loans are originated by Earnest Operations LLC. California Finance Lender License 6054788. NMLS # 1204917. Earnest Operations LLC is located at 303 2nd Street, Suite 401N, San Francisco, CA 94107. Terms and Conditions apply. Visit https://www.earnest.com/terms-of-service, e-mail us at hello@earnest.com, or call 888-601-2801 for more information on our student loan refinance product.
96 Months
5.50 - 8.77%
fixed APR
$205
$205 was calculated based on a $15,000 loan with a rate of 7.13% over 96 months.
Per Month
Loan Details
Earnest uses data and technology to understand every applicant's unique financial story and offer customized rates
Lower rates based on your future potential and full financial profile, not just your FICO® score
More savings: Earnest clients save $21,810 on average by refinancing
Flexible terms that let you pick your exact monthly payment, prepay with no penalty, or pay bi-weekly
Lifetime service provided in-house. Unlike other lenders, Earnest will never pass you off to third-party servicers
No fees for origination, prepayment or loan disbursement
Two-minute rate check with no obligation or impact to your credit score
Protection Details
Auto Pay Discount
Rate displayed includes the 0.25% APR discount for using auto-pay1
Forbearance
With documentation from your previous servicer to confirm, we may match your existing grace period for up to nine months.
Payment Deferral
Payment deferral is available in some cases, including post-graduation grace periods, economic hardship, enrollment in school, active military duty, and Peace Corps service.
To qualify, you must be a U.S. citizen or possess a 10-year (non-conditional) Permanent Resident Card, reside in a state Earnest lends in, and satisfy our minimum eligibility criteria. You may find more information on loan eligibility here: https://www.earnest.com/eligibility. Not all applicants will be approved for a loan, and not all applicants qualify for the lowest rate. Approval and interest rate depend on the review of a complete application.
Earnest's fixed rate loan rates range from 4.25% APR (with autopay) to 8.77% APR (with autopay). Variable rate loan rates range from 3.5% APR (with autopay) to 8.72% APR (with autopay). For variable rate loans, although the interest rate will vary after you are approved, the interest rate will never exceed 8.95% for loan terms of 10 years or less. For loan terms of 10 to 15 years, the interest rate will never exceed 9.95%. For loan terms over 15 years, the interest rate will never exceed 11.95% (the maximum rates for these loans). Earnest variable interest rate loans are based on a publicly available index, the one month London Interbank Offered Rate (LIBOR). Your rate will be calculated each month by adding a margin between 2.98% and 8.2% to the one month LIBOR. The rate will not increase more than once per month. Earnest rate ranges are current as of March 18, 2020 and are subject to change based on market conditions and borrower eligibility.
1Autopay Discount: If you make monthly principal and interest payments by an automatic, monthly deduction from a savings or checking account, your rate will be reduced by one quarter of one percent (0.25%) for so long as you continue to make automatic, electronic monthly payments. This benefit is suspended during periods of deferment and forbearance.
The information provided on this page is updated as of 3/18/20. Earnest reserves the right to change, pause, or terminate product offerings at any time without notice.
Earnest loans are originated by Earnest Operations LLC. California Finance Lender License 6054788. NMLS # 1204917. Earnest Operations LLC is located at 303 2nd Street, Suite 401N, San Francisco, CA 94107. Terms and Conditions apply. Visit https://www.earnest.com/terms-of-service, e-mail us at hello@earnest.com, or call 888-601-2801 for more information on our student loan refinance product.
Earnest's fixed rate loan rates range from 4.25% APR (with autopay) to 8.77% APR (with autopay). Variable rate loan rates range from 3.5% APR (with autopay) to 8.72% APR (with autopay). For variable rate loans, although the interest rate will vary after you are approved, the interest rate will never exceed 8.95% for loan terms of 10 years or less. For loan terms of 10 to 15 years, the interest rate will never exceed 9.95%. For loan terms over 15 years, the interest rate will never exceed 11.95% (the maximum rates for these loans). Earnest variable interest rate loans are based on a publicly available index, the one month London Interbank Offered Rate (LIBOR). Your rate will be calculated each month by adding a margin between 2.98% and 8.2% to the one month LIBOR. The rate will not increase more than once per month. Earnest rate ranges are current as of March 18, 2020 and are subject to change based on market conditions and borrower eligibility.
1Autopay Discount: If you make monthly principal and interest payments by an automatic, monthly deduction from a savings or checking account, your rate will be reduced by one quarter of one percent (0.25%) for so long as you continue to make automatic, electronic monthly payments. This benefit is suspended during periods of deferment and forbearance.
The information provided on this page is updated as of 3/18/20. Earnest reserves the right to change, pause, or terminate product offerings at any time without notice.
Earnest loans are originated by Earnest Operations LLC. California Finance Lender License 6054788. NMLS # 1204917. Earnest Operations LLC is located at 303 2nd Street, Suite 401N, San Francisco, CA 94107. Terms and Conditions apply. Visit https://www.earnest.com/terms-of-service, e-mail us at hello@earnest.com, or call 888-601-2801 for more information on our student loan refinance product.
120 Months
4.54 - 11.98%
fixed APR
$188
$188 was calculated based on a $15,000 loan with a rate of 8.74% over 120 months.
Per Month
Loan Details
0.25% rate reduction with auto-pay for repayment
No origination, application and processing fees, no fees for early repayment
Multiple repayment options including: full principal and interest, interest-only, deferred, and flat payment
Coverage up to 100% of your school-certified cost of attendance ($1,000 minimum)
Protection Details
Auto Pay Discount
Autopay discounts available of up to a 0.25% interest rate reduction
Interest Payments Only
Pay the interest charges each month as you go during school
Payment Deferral
No in-school payments required, but you'll pay more in interest over the life of your loan
College Ave Student Loans products are made available through either Firstrust Bank, member FDIC or M.Y. Safra Bank, FSB, member FDIC. All loans are subject to individual approval and adherence to underwriting guidelines. Program restrictions, other terms, and conditions apply.
This informational repayment example uses typical loan terms for a freshman borrower who selects the Deferred Repayment Option with a 10-year repayment term, has a $10,000 loan that is disbursed in one disbursement and a 8.35% fixed Annual Percentage Rate ("APR"): 120 monthly payments of $179.18 while in the repayment period, for a total amount of payments of $21,501.54. Loans will never have a full principal and interest monthly payment of less than $50. Your actual rates and repayment terms may vary.
This informational repayment example uses typical loan terms for a first year graduate student borrower who selects the Deferred Repayment Option with a 10-year repayment term, has a $10,000 loan that is disbursed in one disbursement and a 7.10% fixed Annual Percentage Rate ("APR"): 120 monthly payments of $141.66 while in the repayment period, for a total amount of payments of $16,699.21. Loans will never have a full principal and interest monthly payment of less than $50. Your actual rates and repayment terms may vary.
The 0.25% auto-pay interest rate reduction applies as long as a valid bank account is designated for required monthly payments. Variable rates may increase after consummation.
This informational repayment example uses typical loan terms for a freshman borrower who selects the Deferred Repayment Option with a 10-year repayment term, has a $10,000 loan that is disbursed in one disbursement and a 8.35% fixed Annual Percentage Rate ("APR"): 120 monthly payments of $179.18 while in the repayment period, for a total amount of payments of $21,501.54. Loans will never have a full principal and interest monthly payment of less than $50. Your actual rates and repayment terms may vary.
This informational repayment example uses typical loan terms for a first year graduate student borrower who selects the Deferred Repayment Option with a 10-year repayment term, has a $10,000 loan that is disbursed in one disbursement and a 7.10% fixed Annual Percentage Rate ("APR"): 120 monthly payments of $141.66 while in the repayment period, for a total amount of payments of $16,699.21. Loans will never have a full principal and interest monthly payment of less than $50. Your actual rates and repayment terms may vary.
The 0.25% auto-pay interest rate reduction applies as long as a valid bank account is designated for required monthly payments. Variable rates may increase after consummation.
120 Months
5.91 - 9.74%
fixed APR
$181
$181 was calculated based on a $15,000 loan with a rate of 7.83% over 120 months.
Per Month
Protection Details
Auto Pay Discount
There is a 0.25% interest rate reduction when you set up auto-pay1
Forbearance
Up to two years of forebearance due to financial hardship
Payment Deferral
Deferred while in school
Offered terms are subject to change. Loans are offered by CommonBond Lending, LLC (NMLS # 1175900). If you are approved for a loan, the interest rate offered will depend on your credit profile, your application, the loan term selected and will be within the ranges of rates shown. 1All Annual Percentage Rates (APRs) displayed assume borrowers enroll in auto pay and account for the 0.25% reduction in interest rate. All variable rates are based on 1-month LIBOR
180 Months
3.14 - 11.88%
variable APR
$139
$139 was calculated based on a $15,000 loan with a rate of 7.50% over 180 months.
Per Month
Loan Details
No application, origination or disbursement fees
Customize your loan with flexible repayment options
Discount for enrolling in automatic payments
Cover up to 100% of college tuition and living expenses with a minimum loan amount of $1,000 and up to $200,000
After making 24 consecutive on-time payments, you may be able to release your cosigner
100% U.S. based customer service
1% Cash Back Graduation Reward upon satisfaction of certain terms and conditions
Protection Details
Auto Pay Discount
Borrowers can get a 0.25% - 2.00% interest rate reduction if payments are made by Automatic Debit
Forbearance
Ascent loans include deferment and forbearance options: Active Duty Military Deferment, In-School Deferment, Residency / Internship Deferment and Temporary Hardship Forbearance
Interest Payments Only
Student must be registered at least half time. The student will pay only the interest on the loan until graduation. After this full interest and principal payments must be made.
Payment Deferral
This option allows the borrower to postpone payments on the loan while the student is at least half-time enrolled at an eligible institution for up to 60 months
Rewards
1% Cash Back Graduation Reward: Borrowers are eligible to receive a 1% cash reward after graduation and upon meeting certain qualifying criteria
Ascent Student Loans are funded by Richland State Bank (RSB), Member FDIC. Loan products may not be available in certain jurisdictions. Certain restrictions, limitations; and terms and conditions may apply. For Ascent Terms and Conditions please visit: www.AscentStudentLoans.com/Ts&Cs
Rates are effective as of 03/01/2020 and reflect an automatic payment discount of 0.25% on the lowest offered rate and a 2.00% discount on the highest offered rate. Automatic Payment Discount is available if the borrower is enrolled in automatic payments from their personal checking account and the amount is successfully withdrawn from the authorized bank account each month. For Ascent rates and repayment examples please visit: www.AscentStudentLoans.com/Rates
1% Cash Back Graduation Reward subject to terms and conditions. For details, visit: www.AscentStudentLoans.com/CashBack
Rates are effective as of 03/01/2020 and reflect an automatic payment discount of 0.25% on the lowest offered rate and a 2.00% discount on the highest offered rate. Automatic Payment Discount is available if the borrower is enrolled in automatic payments from their personal checking account and the amount is successfully withdrawn from the authorized bank account each month. For Ascent rates and repayment examples please visit: www.AscentStudentLoans.com/Rates
1% Cash Back Graduation Reward subject to terms and conditions. For details, visit: www.AscentStudentLoans.com/CashBack
96 Months
2.84 - 10.97%
variable APR
$210
$210 was calculated based on a $15,000 loan with a rate of 7.71% over 96 months.
Per Month
Loan Details
0.25% rate reduction with auto-pay for repayment
No origination, application and processing fees, no fees for early repayment
Multiple repayment options including: full principal and interest, interest-only, deferred, and flat payment
Coverage up to 100% of your school-certified cost of attendance ($1,000 minimum)
Protection Details
Auto Pay Discount
Autopay discounts available of up to a 0.25% interest rate reduction
Interest Payments Only
Pay the interest charges each month as you go during school
Payment Deferral
No in-school payments required, but you'll pay more in interest over the life of your loan
College Ave Student Loans products are made available through either Firstrust Bank, member FDIC or M.Y. Safra Bank, FSB, member FDIC. All loans are subject to individual approval and adherence to underwriting guidelines. Program restrictions, other terms, and conditions apply.
This informational repayment example uses typical loan terms for a freshman borrower who selects the Deferred Repayment Option with a 10-year repayment term, has a $10,000 loan that is disbursed in one disbursement and a 8.35% fixed Annual Percentage Rate ("APR"): 120 monthly payments of $179.18 while in the repayment period, for a total amount of payments of $21,501.54. Loans will never have a full principal and interest monthly payment of less than $50. Your actual rates and repayment terms may vary.
This informational repayment example uses typical loan terms for a first year graduate student borrower who selects the Deferred Repayment Option with a 10-year repayment term, has a $10,000 loan that is disbursed in one disbursement and a 7.10% fixed Annual Percentage Rate ("APR"): 120 monthly payments of $141.66 while in the repayment period, for a total amount of payments of $16,699.21. Loans will never have a full principal and interest monthly payment of less than $50. Your actual rates and repayment terms may vary.
The 0.25% auto-pay interest rate reduction applies as long as a valid bank account is designated for required monthly payments. Variable rates may increase after consummation.
This informational repayment example uses typical loan terms for a freshman borrower who selects the Deferred Repayment Option with a 10-year repayment term, has a $10,000 loan that is disbursed in one disbursement and a 8.35% fixed Annual Percentage Rate ("APR"): 120 monthly payments of $179.18 while in the repayment period, for a total amount of payments of $21,501.54. Loans will never have a full principal and interest monthly payment of less than $50. Your actual rates and repayment terms may vary.
This informational repayment example uses typical loan terms for a first year graduate student borrower who selects the Deferred Repayment Option with a 10-year repayment term, has a $10,000 loan that is disbursed in one disbursement and a 7.10% fixed Annual Percentage Rate ("APR"): 120 monthly payments of $141.66 while in the repayment period, for a total amount of payments of $16,699.21. Loans will never have a full principal and interest monthly payment of less than $50. Your actual rates and repayment terms may vary.
The 0.25% auto-pay interest rate reduction applies as long as a valid bank account is designated for required monthly payments. Variable rates may increase after consummation.
120 Months
5.54 - 9.64%
variable APR
$179
$179 was calculated based on a $15,000 loan with a rate of 7.59% over 120 months.
Per Month
Protection Details
Auto Pay Discount
There is a 0.25% interest rate reduction when you set up auto-pay1
Forbearance
Up to two years of forebearance due to financial hardship
Payment Deferral
Deferred while in school
Offered terms are subject to change. Loans are offered by CommonBond Lending, LLC (NMLS # 1175900). If you are approved for a loan, the interest rate offered will depend on your credit profile, your application, the loan term selected and will be within the ranges of rates shown. 1All Annual Percentage Rates (APRs) displayed assume borrowers enroll in auto pay and account for the 0.25% reduction in interest rate. All variable rates are based on 1-month LIBOR
60 Months
3.66 - 9.64%
variable APR
$295
$295 was calculated based on a $15,000 loan with a rate of 6.65% over 60 months.
Per Month
Protection Details
Auto Pay Discount
There is a 0.25% interest rate reduction when you set up auto-pay1
Forbearance
Up to two years of forebearance due to financial hardship
Payment Deferral
Deferred while in school
Offered terms are subject to change. Loans are offered by CommonBond Lending, LLC (NMLS # 1175900). If you are approved for a loan, the interest rate offered will depend on your credit profile, your application, the loan term selected and will be within the ranges of rates shown. 1All Annual Percentage Rates (APRs) displayed assume borrowers enroll in auto pay and account for the 0.25% reduction in interest rate. All variable rates are based on 1-month LIBOR
60 Months
3.56 - 9.64%
variable APR
$294
$294 was calculated based on a $15,000 loan with a rate of 6.60% over 60 months.
Per Month
Protection Details
Auto Pay Discount
There is a 0.25% interest rate reduction when you set up auto-pay1
Forbearance
Up to two years of forebearance due to financial hardship
Payment Deferral
Deferred while in school
Offered terms are subject to change. Loans are offered by CommonBond Lending, LLC (NMLS # 1175900). If you are approved for a loan, the interest rate offered will depend on your credit profile, your application, the loan term selected and will be within the ranges of rates shown. 1All Annual Percentage Rates (APRs) displayed assume borrowers enroll in auto pay and account for the 0.25% reduction in interest rate. All variable rates are based on 1-month LIBOR
120 Months
3.75 - 6.8%
variable APR
$161
$161 was calculated based on a $15,000 loan with a rate of 5.28% over 120 months.
Per Month
Protection Details
Auto Pay Discount
There is a 0.25% interest rate reduction when you set up auto-pay1
Forbearance
Up to two years of forebearance due to financial hardship
Payment Deferral
Up to 32 months of deferment available
Offered terms are subject to change. Loans are offered by CommonBond Lending, LLC (NMLS # 1175900). If you are approved for a loan, the interest rate offered will depend on your credit profile, your application, the loan term selected and will be within the ranges of rates shown. 1All Annual Percentage Rates (APRs) displayed assume borrowers enroll in auto pay and account for the 0.25% reduction in interest rate. All variable rates are based on 1-month LIBOR
180 Months
6.60 - 9.74%
fixed APR
$145
$145 was calculated based on a $15,000 loan with a rate of 8.17% over 180 months.
Per Month
Protection Details
Auto Pay Discount
There is a 0.25% interest rate reduction when you set up auto-pay1
Forbearance
Up to two years of forebearance due to financial hardship
Payment Deferral
Deferred while in school
Offered terms are subject to change. Loans are offered by CommonBond Lending, LLC (NMLS # 1175900). If you are approved for a loan, the interest rate offered will depend on your credit profile, your application, the loan term selected and will be within the ranges of rates shown. 1All Annual Percentage Rates (APRs) displayed assume borrowers enroll in auto pay and account for the 0.25% reduction in interest rate. All variable rates are based on 1-month LIBOR
60 Months
4.25 - 8.77%
fixed APR
$294
$294 was calculated based on a $15,000 loan with a rate of 6.51% over 60 months.
Per Month
Loan Details
Earnest uses data and technology to understand every applicant's unique financial story and offer customized rates
Lower rates based on your future potential and full financial profile, not just your FICO® score
More savings: Earnest clients save $21,810 on average by refinancing
Flexible terms that let you pick your exact monthly payment, prepay with no penalty, or pay bi-weekly
Lifetime service provided in-house. Unlike other lenders, Earnest will never pass you off to third-party servicers
No fees for origination, prepayment or loan disbursement
Two-minute rate check with no obligation or impact to your credit score
Protection Details
Auto Pay Discount
Rate displayed includes the 0.25% APR discount for using auto-pay1
Forbearance
With documentation from your previous servicer to confirm, we may match your existing grace period for up to nine months.
Payment Deferral
Payment deferral is available in some cases, including post-graduation grace periods, economic hardship, enrollment in school, active military duty, and Peace Corps service.
To qualify, you must be a U.S. citizen or possess a 10-year (non-conditional) Permanent Resident Card, reside in a state Earnest lends in, and satisfy our minimum eligibility criteria. You may find more information on loan eligibility here: https://www.earnest.com/eligibility. Not all applicants will be approved for a loan, and not all applicants qualify for the lowest rate. Approval and interest rate depend on the review of a complete application.
Earnest's fixed rate loan rates range from 4.25% APR (with autopay) to 8.77% APR (with autopay). Variable rate loan rates range from 3.5% APR (with autopay) to 8.72% APR (with autopay). For variable rate loans, although the interest rate will vary after you are approved, the interest rate will never exceed 8.95% for loan terms of 10 years or less. For loan terms of 10 to 15 years, the interest rate will never exceed 9.95%. For loan terms over 15 years, the interest rate will never exceed 11.95% (the maximum rates for these loans). Earnest variable interest rate loans are based on a publicly available index, the one month London Interbank Offered Rate (LIBOR). Your rate will be calculated each month by adding a margin between 2.98% and 8.2% to the one month LIBOR. The rate will not increase more than once per month. Earnest rate ranges are current as of March 18, 2020 and are subject to change based on market conditions and borrower eligibility.
1Autopay Discount: If you make monthly principal and interest payments by an automatic, monthly deduction from a savings or checking account, your rate will be reduced by one quarter of one percent (0.25%) for so long as you continue to make automatic, electronic monthly payments. This benefit is suspended during periods of deferment and forbearance.
The information provided on this page is updated as of 3/18/20. Earnest reserves the right to change, pause, or terminate product offerings at any time without notice.
Earnest loans are originated by Earnest Operations LLC. California Finance Lender License 6054788. NMLS # 1204917. Earnest Operations LLC is located at 303 2nd Street, Suite 401N, San Francisco, CA 94107. Terms and Conditions apply. Visit https://www.earnest.com/terms-of-service, e-mail us at hello@earnest.com, or call 888-601-2801 for more information on our student loan refinance product.
Earnest's fixed rate loan rates range from 4.25% APR (with autopay) to 8.77% APR (with autopay). Variable rate loan rates range from 3.5% APR (with autopay) to 8.72% APR (with autopay). For variable rate loans, although the interest rate will vary after you are approved, the interest rate will never exceed 8.95% for loan terms of 10 years or less. For loan terms of 10 to 15 years, the interest rate will never exceed 9.95%. For loan terms over 15 years, the interest rate will never exceed 11.95% (the maximum rates for these loans). Earnest variable interest rate loans are based on a publicly available index, the one month London Interbank Offered Rate (LIBOR). Your rate will be calculated each month by adding a margin between 2.98% and 8.2% to the one month LIBOR. The rate will not increase more than once per month. Earnest rate ranges are current as of March 18, 2020 and are subject to change based on market conditions and borrower eligibility.
1Autopay Discount: If you make monthly principal and interest payments by an automatic, monthly deduction from a savings or checking account, your rate will be reduced by one quarter of one percent (0.25%) for so long as you continue to make automatic, electronic monthly payments. This benefit is suspended during periods of deferment and forbearance.
The information provided on this page is updated as of 3/18/20. Earnest reserves the right to change, pause, or terminate product offerings at any time without notice.
Earnest loans are originated by Earnest Operations LLC. California Finance Lender License 6054788. NMLS # 1204917. Earnest Operations LLC is located at 303 2nd Street, Suite 401N, San Francisco, CA 94107. Terms and Conditions apply. Visit https://www.earnest.com/terms-of-service, e-mail us at hello@earnest.com, or call 888-601-2801 for more information on our student loan refinance product.
60 Months
4.09 - 13.03%
fixed APR
$309
$309 was calculated based on a $15,000 loan with a rate of 8.63% over 60 months.
Per Month
Loan Details
No application, origination or disbursement fees
Customize your loan with flexible repayment options
Discount for enrolling in automatic payments
Cover up to 100% of college tuition and living expenses with a minimum loan amount of $1,000 and up to $200,000
After making 24 consecutive on-time payments, you may be able to release your cosigner
100% U.S. based customer service
1% Cash Back Graduation Reward upon satisfaction of certain terms and conditions
Protection Details
Auto Pay Discount
Borrowers can get a 0.25% - 2.00% interest rate reduction if payments are made by Automatic Debit
Forbearance
Ascent loans include deferment and forbearance options: Active Duty Military Deferment, In-School Deferment, Residency / Internship Deferment and Temporary Hardship Forbearance
Interest Payments Only
Student must be registered at least half time. The student will pay only the interest on the loan until graduation. After this full interest and principal payments must be made.
Payment Deferral
This option allows the borrower to postpone payments on the loan while the student is at least half-time enrolled at an eligible institution for up to 60 months
Rewards
1% Cash Back Graduation Reward: Borrowers are eligible to receive a 1% cash reward after graduation and upon meeting certain qualifying criteria
Ascent Student Loans are funded by Richland State Bank (RSB), Member FDIC. Loan products may not be available in certain jurisdictions. Certain restrictions, limitations; and terms and conditions may apply. For Ascent Terms and Conditions please visit: www.AscentStudentLoans.com/Ts&Cs
Rates are effective as of 03/01/2020 and reflect an automatic payment discount of 0.25% on the lowest offered rate and a 2.00% discount on the highest offered rate. Automatic Payment Discount is available if the borrower is enrolled in automatic payments from their personal checking account and the amount is successfully withdrawn from the authorized bank account each month. For Ascent rates and repayment examples please visit: www.AscentStudentLoans.com/Rates
1% Cash Back Graduation Reward subject to terms and conditions. For details, visit: www.AscentStudentLoans.com/CashBack
Rates are effective as of 03/01/2020 and reflect an automatic payment discount of 0.25% on the lowest offered rate and a 2.00% discount on the highest offered rate. Automatic Payment Discount is available if the borrower is enrolled in automatic payments from their personal checking account and the amount is successfully withdrawn from the authorized bank account each month. For Ascent rates and repayment examples please visit: www.AscentStudentLoans.com/Rates
1% Cash Back Graduation Reward subject to terms and conditions. For details, visit: www.AscentStudentLoans.com/CashBack
120 Months
6.07 - 8.72%
variable APR
$177
$177 was calculated based on a $15,000 loan with a rate of 7.40% over 120 months.
Per Month
Loan Details
Earnest uses data and technology to understand every applicant's unique financial story and offer customized rates
Lower rates based on your future potential and full financial profile, not just your FICO® score
More savings: Earnest clients save $21,810 on average by refinancing
Flexible terms that let you pick your exact monthly payment, prepay with no penalty, or pay bi-weekly
Lifetime service provided in-house. Unlike other lenders, Earnest will never pass you off to third-party servicers
No fees for origination, prepayment or loan disbursement
Two-minute rate check with no obligation or impact to your credit score
Protection Details
Auto Pay Discount
Rate displayed includes the 0.25% APR discount for using auto-pay1
Forbearance
With documentation from your previous servicer to confirm, we may match your existing grace period for up to nine months.
Payment Deferral
Payment deferral is available in some cases, including post-graduation grace periods, economic hardship, enrollment in school, active military duty, and Peace Corps service.
To qualify, you must be a U.S. citizen or possess a 10-year (non-conditional) Permanent Resident Card, reside in a state Earnest lends in, and satisfy our minimum eligibility criteria. You may find more information on loan eligibility here: https://www.earnest.com/eligibility. Not all applicants will be approved for a loan, and not all applicants qualify for the lowest rate. Approval and interest rate depend on the review of a complete application.
Earnest's fixed rate loan rates range from 4.25% APR (with autopay) to 8.77% APR (with autopay). Variable rate loan rates range from 3.5% APR (with autopay) to 8.72% APR (with autopay). For variable rate loans, although the interest rate will vary after you are approved, the interest rate will never exceed 8.95% for loan terms of 10 years or less. For loan terms of 10 to 15 years, the interest rate will never exceed 9.95%. For loan terms over 15 years, the interest rate will never exceed 11.95% (the maximum rates for these loans). Earnest variable interest rate loans are based on a publicly available index, the one month London Interbank Offered Rate (LIBOR). Your rate will be calculated each month by adding a margin between 2.98% and 8.2% to the one month LIBOR. The rate will not increase more than once per month. Earnest rate ranges are current as of March 18, 2020 and are subject to change based on market conditions and borrower eligibility.
1Autopay Discount: If you make monthly principal and interest payments by an automatic, monthly deduction from a savings or checking account, your rate will be reduced by one quarter of one percent (0.25%) for so long as you continue to make automatic, electronic monthly payments. This benefit is suspended during periods of deferment and forbearance.
The information provided on this page is updated as of 3/18/20. Earnest reserves the right to change, pause, or terminate product offerings at any time without notice.
Earnest loans are originated by Earnest Operations LLC. California Finance Lender License 6054788. NMLS # 1204917. Earnest Operations LLC is located at 303 2nd Street, Suite 401N, San Francisco, CA 94107. Terms and Conditions apply. Visit https://www.earnest.com/terms-of-service, e-mail us at hello@earnest.com, or call 888-601-2801 for more information on our student loan refinance product.
Earnest's fixed rate loan rates range from 4.25% APR (with autopay) to 8.77% APR (with autopay). Variable rate loan rates range from 3.5% APR (with autopay) to 8.72% APR (with autopay). For variable rate loans, although the interest rate will vary after you are approved, the interest rate will never exceed 8.95% for loan terms of 10 years or less. For loan terms of 10 to 15 years, the interest rate will never exceed 9.95%. For loan terms over 15 years, the interest rate will never exceed 11.95% (the maximum rates for these loans). Earnest variable interest rate loans are based on a publicly available index, the one month London Interbank Offered Rate (LIBOR). Your rate will be calculated each month by adding a margin between 2.98% and 8.2% to the one month LIBOR. The rate will not increase more than once per month. Earnest rate ranges are current as of March 18, 2020 and are subject to change based on market conditions and borrower eligibility.
1Autopay Discount: If you make monthly principal and interest payments by an automatic, monthly deduction from a savings or checking account, your rate will be reduced by one quarter of one percent (0.25%) for so long as you continue to make automatic, electronic monthly payments. This benefit is suspended during periods of deferment and forbearance.
The information provided on this page is updated as of 3/18/20. Earnest reserves the right to change, pause, or terminate product offerings at any time without notice.
Earnest loans are originated by Earnest Operations LLC. California Finance Lender License 6054788. NMLS # 1204917. Earnest Operations LLC is located at 303 2nd Street, Suite 401N, San Francisco, CA 94107. Terms and Conditions apply. Visit https://www.earnest.com/terms-of-service, e-mail us at hello@earnest.com, or call 888-601-2801 for more information on our student loan refinance product.
60 Months
3.48 - 6.45%
fixed APR
$283
$283 was calculated based on a $15,000 loan with a rate of 4.96% over 60 months.
Per Month
Protection Details
Auto Pay Discount
There is a 0.25% interest rate reduction when you set up auto-pay1
Forbearance
Up to two years of forebearance due to financial hardship
Payment Deferral
Up to 32 months of deferment available
Offered terms are subject to change. Loans are offered by CommonBond Lending, LLC (NMLS # 1175900). If you are approved for a loan, the interest rate offered will depend on your credit profile, your application, the loan term selected and will be within the ranges of rates shown. 1All Annual Percentage Rates (APRs) displayed assume borrowers enroll in auto pay and account for the 0.25% reduction in interest rate. All variable rates are based on 1-month LIBOR
120 Months
2.84 - 10.97%
variable APR
$182
$182 was calculated based on a $15,000 loan with a rate of 7.94% over 120 months.
Per Month
Loan Details
0.25% rate reduction with auto-pay for repayment
No origination, application and processing fees, no fees for early repayment
Multiple repayment options including: full principal and interest, interest-only, deferred, and flat payment
Coverage up to 100% of your school-certified cost of attendance ($1,000 minimum)
Protection Details
Auto Pay Discount
Autopay discounts available of up to a 0.25% interest rate reduction
Interest Payments Only
Pay the interest charges each month as you go during school
Payment Deferral
No in-school payments required, but you'll pay more in interest over the life of your loan
College Ave Student Loans products are made available through either Firstrust Bank, member FDIC or M.Y. Safra Bank, FSB, member FDIC. All loans are subject to individual approval and adherence to underwriting guidelines. Program restrictions, other terms, and conditions apply.
This informational repayment example uses typical loan terms for a freshman borrower who selects the Deferred Repayment Option with a 10-year repayment term, has a $10,000 loan that is disbursed in one disbursement and a 8.35% fixed Annual Percentage Rate ("APR"): 120 monthly payments of $179.18 while in the repayment period, for a total amount of payments of $21,501.54. Loans will never have a full principal and interest monthly payment of less than $50. Your actual rates and repayment terms may vary.
This informational repayment example uses typical loan terms for a first year graduate student borrower who selects the Deferred Repayment Option with a 10-year repayment term, has a $10,000 loan that is disbursed in one disbursement and a 7.10% fixed Annual Percentage Rate ("APR"): 120 monthly payments of $141.66 while in the repayment period, for a total amount of payments of $16,699.21. Loans will never have a full principal and interest monthly payment of less than $50. Your actual rates and repayment terms may vary.
The 0.25% auto-pay interest rate reduction applies as long as a valid bank account is designated for required monthly payments. Variable rates may increase after consummation.
This informational repayment example uses typical loan terms for a freshman borrower who selects the Deferred Repayment Option with a 10-year repayment term, has a $10,000 loan that is disbursed in one disbursement and a 8.35% fixed Annual Percentage Rate ("APR"): 120 monthly payments of $179.18 while in the repayment period, for a total amount of payments of $21,501.54. Loans will never have a full principal and interest monthly payment of less than $50. Your actual rates and repayment terms may vary.
This informational repayment example uses typical loan terms for a first year graduate student borrower who selects the Deferred Repayment Option with a 10-year repayment term, has a $10,000 loan that is disbursed in one disbursement and a 7.10% fixed Annual Percentage Rate ("APR"): 120 monthly payments of $141.66 while in the repayment period, for a total amount of payments of $16,699.21. Loans will never have a full principal and interest monthly payment of less than $50. Your actual rates and repayment terms may vary.
The 0.25% auto-pay interest rate reduction applies as long as a valid bank account is designated for required monthly payments. Variable rates may increase after consummation.
84 Months
3.48 - 6.5%
variable APR
$212
$212 was calculated based on a $15,000 loan with a rate of 4.99% over 84 months.
Per Month
Protection Details
Auto Pay Discount
There is a 0.25% interest rate reduction when you set up auto-pay1
Forbearance
Up to two years of forebearance due to financial hardship
Payment Deferral
Up to 32 months of deferment available
Offered terms are subject to change. Loans are offered by CommonBond Lending, LLC (NMLS # 1175900). If you are approved for a loan, the interest rate offered will depend on your credit profile, your application, the loan term selected and will be within the ranges of rates shown. 1All Annual Percentage Rates (APRs) displayed assume borrowers enroll in auto pay and account for the 0.25% reduction in interest rate. All variable rates are based on 1-month LIBOR
72 Months
4.49 - 8.77%
fixed APR
$253
$253 was calculated based on a $15,000 loan with a rate of 6.63% over 72 months.
Per Month
Loan Details
Earnest uses data and technology to understand every applicant's unique financial story and offer customized rates
Lower rates based on your future potential and full financial profile, not just your FICO® score
More savings: Earnest clients save $21,810 on average by refinancing
Flexible terms that let you pick your exact monthly payment, prepay with no penalty, or pay bi-weekly
Lifetime service provided in-house. Unlike other lenders, Earnest will never pass you off to third-party servicers
No fees for origination, prepayment or loan disbursement
Two-minute rate check with no obligation or impact to your credit score
Protection Details
Auto Pay Discount
Rate displayed includes the 0.25% APR discount for using auto-pay1
Forbearance
With documentation from your previous servicer to confirm, we may match your existing grace period for up to nine months.
Payment Deferral
Payment deferral is available in some cases, including post-graduation grace periods, economic hardship, enrollment in school, active military duty, and Peace Corps service.
To qualify, you must be a U.S. citizen or possess a 10-year (non-conditional) Permanent Resident Card, reside in a state Earnest lends in, and satisfy our minimum eligibility criteria. You may find more information on loan eligibility here: https://www.earnest.com/eligibility. Not all applicants will be approved for a loan, and not all applicants qualify for the lowest rate. Approval and interest rate depend on the review of a complete application.
Earnest's fixed rate loan rates range from 4.25% APR (with autopay) to 8.77% APR (with autopay). Variable rate loan rates range from 3.5% APR (with autopay) to 8.72% APR (with autopay). For variable rate loans, although the interest rate will vary after you are approved, the interest rate will never exceed 8.95% for loan terms of 10 years or less. For loan terms of 10 to 15 years, the interest rate will never exceed 9.95%. For loan terms over 15 years, the interest rate will never exceed 11.95% (the maximum rates for these loans). Earnest variable interest rate loans are based on a publicly available index, the one month London Interbank Offered Rate (LIBOR). Your rate will be calculated each month by adding a margin between 2.98% and 8.2% to the one month LIBOR. The rate will not increase more than once per month. Earnest rate ranges are current as of March 18, 2020 and are subject to change based on market conditions and borrower eligibility.
1Autopay Discount: If you make monthly principal and interest payments by an automatic, monthly deduction from a savings or checking account, your rate will be reduced by one quarter of one percent (0.25%) for so long as you continue to make automatic, electronic monthly payments. This benefit is suspended during periods of deferment and forbearance.
The information provided on this page is updated as of 3/18/20. Earnest reserves the right to change, pause, or terminate product offerings at any time without notice.
Earnest loans are originated by Earnest Operations LLC. California Finance Lender License 6054788. NMLS # 1204917. Earnest Operations LLC is located at 303 2nd Street, Suite 401N, San Francisco, CA 94107. Terms and Conditions apply. Visit https://www.earnest.com/terms-of-service, e-mail us at hello@earnest.com, or call 888-601-2801 for more information on our student loan refinance product.
Earnest's fixed rate loan rates range from 4.25% APR (with autopay) to 8.77% APR (with autopay). Variable rate loan rates range from 3.5% APR (with autopay) to 8.72% APR (with autopay). For variable rate loans, although the interest rate will vary after you are approved, the interest rate will never exceed 8.95% for loan terms of 10 years or less. For loan terms of 10 to 15 years, the interest rate will never exceed 9.95%. For loan terms over 15 years, the interest rate will never exceed 11.95% (the maximum rates for these loans). Earnest variable interest rate loans are based on a publicly available index, the one month London Interbank Offered Rate (LIBOR). Your rate will be calculated each month by adding a margin between 2.98% and 8.2% to the one month LIBOR. The rate will not increase more than once per month. Earnest rate ranges are current as of March 18, 2020 and are subject to change based on market conditions and borrower eligibility.
1Autopay Discount: If you make monthly principal and interest payments by an automatic, monthly deduction from a savings or checking account, your rate will be reduced by one quarter of one percent (0.25%) for so long as you continue to make automatic, electronic monthly payments. This benefit is suspended during periods of deferment and forbearance.
The information provided on this page is updated as of 3/18/20. Earnest reserves the right to change, pause, or terminate product offerings at any time without notice.
Earnest loans are originated by Earnest Operations LLC. California Finance Lender License 6054788. NMLS # 1204917. Earnest Operations LLC is located at 303 2nd Street, Suite 401N, San Francisco, CA 94107. Terms and Conditions apply. Visit https://www.earnest.com/terms-of-service, e-mail us at hello@earnest.com, or call 888-601-2801 for more information on our student loan refinance product.
60 Months
2.39 - 4.99%
variable APR
$274
$274 was calculated based on a $15,000 loan with a rate of 3.69% over 60 months.
Per Month
Loan Details
Low Rates and Flexible Terms1: Education Loan Finance strives to offer among the lowest student loan refinancing rates in the industry for both fixed and variable rate loans with flexible terms from 5 to 20 years
No Application Fees, Origination Fees, or Prepayment Penalties
Loan Amounts Starting at $15,000 and Up
Consolidate Multiple Loans (Federal and Private) into One Easy Monthly Payment. Refinancing of Parent Loans Also Offered.
Get Your Rate. With Education Loan Finance's Find My Rate tool, you can complete a short application to receive a preliminary quote on your eligible rates and terms, all without affecting your credit score.
Apply in Minutes. Our online loan application is fast and simple.
Outstanding Personalized Service. Our Personal Loan Advisors specialize in helping borrowers save money by recommending personalized refinance options for eligible borrowers.
Student Lending Experience: Education Loan Finance isn't a start-up company - we have a longstanding history and expertise in serving student loan borrowers
Education Loan Finance Referral Program2: Refinance your student loan with us and earn $400 for each new client you refer through our generous referral program
Protection Details
Disclosure1Subject to credit approval. Terms and conditions apply. http://www.elfi.com/terms/
2Visit website for full details. Restrictions apply.
2Visit website for full details. Restrictions apply.
84 Months
5.20 - 8.72%
variable APR
$226
$226 was calculated based on a $15,000 loan with a rate of 6.96% over 84 months.
Per Month
Loan Details
Earnest uses data and technology to understand every applicant's unique financial story and offer customized rates
Lower rates based on your future potential and full financial profile, not just your FICO® score
More savings: Earnest clients save $21,810 on average by refinancing
Flexible terms that let you pick your exact monthly payment, prepay with no penalty, or pay bi-weekly
Lifetime service provided in-house. Unlike other lenders, Earnest will never pass you off to third-party servicers
No fees for origination, prepayment or loan disbursement
Two-minute rate check with no obligation or impact to your credit score
Protection Details
Auto Pay Discount
Rate displayed includes the 0.25% APR discount for using auto-pay1
Forbearance
With documentation from your previous servicer to confirm, we may match your existing grace period for up to nine months.
Payment Deferral
Payment deferral is available in some cases, including post-graduation grace periods, economic hardship, enrollment in school, active military duty, and Peace Corps service.
To qualify, you must be a U.S. citizen or possess a 10-year (non-conditional) Permanent Resident Card, reside in a state Earnest lends in, and satisfy our minimum eligibility criteria. You may find more information on loan eligibility here: https://www.earnest.com/eligibility. Not all applicants will be approved for a loan, and not all applicants qualify for the lowest rate. Approval and interest rate depend on the review of a complete application.
Earnest's fixed rate loan rates range from 4.25% APR (with autopay) to 8.77% APR (with autopay). Variable rate loan rates range from 3.5% APR (with autopay) to 8.72% APR (with autopay). For variable rate loans, although the interest rate will vary after you are approved, the interest rate will never exceed 8.95% for loan terms of 10 years or less. For loan terms of 10 to 15 years, the interest rate will never exceed 9.95%. For loan terms over 15 years, the interest rate will never exceed 11.95% (the maximum rates for these loans). Earnest variable interest rate loans are based on a publicly available index, the one month London Interbank Offered Rate (LIBOR). Your rate will be calculated each month by adding a margin between 2.98% and 8.2% to the one month LIBOR. The rate will not increase more than once per month. Earnest rate ranges are current as of March 18, 2020 and are subject to change based on market conditions and borrower eligibility.
1Autopay Discount: If you make monthly principal and interest payments by an automatic, monthly deduction from a savings or checking account, your rate will be reduced by one quarter of one percent (0.25%) for so long as you continue to make automatic, electronic monthly payments. This benefit is suspended during periods of deferment and forbearance.
The information provided on this page is updated as of 3/18/20. Earnest reserves the right to change, pause, or terminate product offerings at any time without notice.
Earnest loans are originated by Earnest Operations LLC. California Finance Lender License 6054788. NMLS # 1204917. Earnest Operations LLC is located at 303 2nd Street, Suite 401N, San Francisco, CA 94107. Terms and Conditions apply. Visit https://www.earnest.com/terms-of-service, e-mail us at hello@earnest.com, or call 888-601-2801 for more information on our student loan refinance product.
Earnest's fixed rate loan rates range from 4.25% APR (with autopay) to 8.77% APR (with autopay). Variable rate loan rates range from 3.5% APR (with autopay) to 8.72% APR (with autopay). For variable rate loans, although the interest rate will vary after you are approved, the interest rate will never exceed 8.95% for loan terms of 10 years or less. For loan terms of 10 to 15 years, the interest rate will never exceed 9.95%. For loan terms over 15 years, the interest rate will never exceed 11.95% (the maximum rates for these loans). Earnest variable interest rate loans are based on a publicly available index, the one month London Interbank Offered Rate (LIBOR). Your rate will be calculated each month by adding a margin between 2.98% and 8.2% to the one month LIBOR. The rate will not increase more than once per month. Earnest rate ranges are current as of March 18, 2020 and are subject to change based on market conditions and borrower eligibility.
1Autopay Discount: If you make monthly principal and interest payments by an automatic, monthly deduction from a savings or checking account, your rate will be reduced by one quarter of one percent (0.25%) for so long as you continue to make automatic, electronic monthly payments. This benefit is suspended during periods of deferment and forbearance.
The information provided on this page is updated as of 3/18/20. Earnest reserves the right to change, pause, or terminate product offerings at any time without notice.
Earnest loans are originated by Earnest Operations LLC. California Finance Lender License 6054788. NMLS # 1204917. Earnest Operations LLC is located at 303 2nd Street, Suite 401N, San Francisco, CA 94107. Terms and Conditions apply. Visit https://www.earnest.com/terms-of-service, e-mail us at hello@earnest.com, or call 888-601-2801 for more information on our student loan refinance product.
120 Months
5.34 - 6.62%
variable APR
$166
$166 was calculated based on a $15,000 loan with a rate of 5.98% over 120 months.
Per Month
Protection Details
Auto Pay Discount
There is a 0.25% interest rate reduction when you set up auto-pay1
Forbearance
Up to two years of forebearance due to financial hardship
Payment Deferral
Deferred while in school
Offered terms are subject to change. Loans are offered by CommonBond Lending, LLC (NMLS # 1175900). If you are approved for a loan, the interest rate offered will depend on your credit profile, your application, the loan term selected and will be within the ranges of rates shown. 1All Annual Percentage Rates (APRs) displayed assume borrowers enroll in auto pay and account for the 0.25% reduction in interest rate. All variable rates are based on 1-month LIBOR
144 Months
6.16 - 8.77%
fixed APR
$158
$158 was calculated based on a $15,000 loan with a rate of 7.46% over 144 months.
Per Month
Loan Details
Earnest uses data and technology to understand every applicant's unique financial story and offer customized rates
Lower rates based on your future potential and full financial profile, not just your FICO® score
More savings: Earnest clients save $21,810 on average by refinancing
Flexible terms that let you pick your exact monthly payment, prepay with no penalty, or pay bi-weekly
Lifetime service provided in-house. Unlike other lenders, Earnest will never pass you off to third-party servicers
No fees for origination, prepayment or loan disbursement
Two-minute rate check with no obligation or impact to your credit score
Protection Details
Auto Pay Discount
Rate displayed includes the 0.25% APR discount for using auto-pay1
Forbearance
With documentation from your previous servicer to confirm, we may match your existing grace period for up to nine months.
Payment Deferral
Payment deferral is available in some cases, including post-graduation grace periods, economic hardship, enrollment in school, active military duty, and Peace Corps service.
To qualify, you must be a U.S. citizen or possess a 10-year (non-conditional) Permanent Resident Card, reside in a state Earnest lends in, and satisfy our minimum eligibility criteria. You may find more information on loan eligibility here: https://www.earnest.com/eligibility. Not all applicants will be approved for a loan, and not all applicants qualify for the lowest rate. Approval and interest rate depend on the review of a complete application.
Earnest's fixed rate loan rates range from 4.25% APR (with autopay) to 8.77% APR (with autopay). Variable rate loan rates range from 3.5% APR (with autopay) to 8.72% APR (with autopay). For variable rate loans, although the interest rate will vary after you are approved, the interest rate will never exceed 8.95% for loan terms of 10 years or less. For loan terms of 10 to 15 years, the interest rate will never exceed 9.95%. For loan terms over 15 years, the interest rate will never exceed 11.95% (the maximum rates for these loans). Earnest variable interest rate loans are based on a publicly available index, the one month London Interbank Offered Rate (LIBOR). Your rate will be calculated each month by adding a margin between 2.98% and 8.2% to the one month LIBOR. The rate will not increase more than once per month. Earnest rate ranges are current as of March 18, 2020 and are subject to change based on market conditions and borrower eligibility.
1Autopay Discount: If you make monthly principal and interest payments by an automatic, monthly deduction from a savings or checking account, your rate will be reduced by one quarter of one percent (0.25%) for so long as you continue to make automatic, electronic monthly payments. This benefit is suspended during periods of deferment and forbearance.
The information provided on this page is updated as of 3/18/20. Earnest reserves the right to change, pause, or terminate product offerings at any time without notice.
Earnest loans are originated by Earnest Operations LLC. California Finance Lender License 6054788. NMLS # 1204917. Earnest Operations LLC is located at 303 2nd Street, Suite 401N, San Francisco, CA 94107. Terms and Conditions apply. Visit https://www.earnest.com/terms-of-service, e-mail us at hello@earnest.com, or call 888-601-2801 for more information on our student loan refinance product.
Earnest's fixed rate loan rates range from 4.25% APR (with autopay) to 8.77% APR (with autopay). Variable rate loan rates range from 3.5% APR (with autopay) to 8.72% APR (with autopay). For variable rate loans, although the interest rate will vary after you are approved, the interest rate will never exceed 8.95% for loan terms of 10 years or less. For loan terms of 10 to 15 years, the interest rate will never exceed 9.95%. For loan terms over 15 years, the interest rate will never exceed 11.95% (the maximum rates for these loans). Earnest variable interest rate loans are based on a publicly available index, the one month London Interbank Offered Rate (LIBOR). Your rate will be calculated each month by adding a margin between 2.98% and 8.2% to the one month LIBOR. The rate will not increase more than once per month. Earnest rate ranges are current as of March 18, 2020 and are subject to change based on market conditions and borrower eligibility.
1Autopay Discount: If you make monthly principal and interest payments by an automatic, monthly deduction from a savings or checking account, your rate will be reduced by one quarter of one percent (0.25%) for so long as you continue to make automatic, electronic monthly payments. This benefit is suspended during periods of deferment and forbearance.
The information provided on this page is updated as of 3/18/20. Earnest reserves the right to change, pause, or terminate product offerings at any time without notice.
Earnest loans are originated by Earnest Operations LLC. California Finance Lender License 6054788. NMLS # 1204917. Earnest Operations LLC is located at 303 2nd Street, Suite 401N, San Francisco, CA 94107. Terms and Conditions apply. Visit https://www.earnest.com/terms-of-service, e-mail us at hello@earnest.com, or call 888-601-2801 for more information on our student loan refinance product.
180 Months
4.28 - 5.75%
variable APR
$119
$119 was calculated based on a $15,000 loan with a rate of 5.02% over 180 months.
Per Month
Loan Details
Low Rates and Flexible Terms1: Education Loan Finance strives to offer among the lowest student loan refinancing rates in the industry for both fixed and variable rate loans with flexible terms from 5 to 20 years
No Application Fees, Origination Fees, or Prepayment Penalties
Loan Amounts Starting at $15,000 and Up
Consolidate Multiple Loans (Federal and Private) into One Easy Monthly Payment. Refinancing of Parent Loans Also Offered.
Get Your Rate. With Education Loan Finance's Find My Rate tool, you can complete a short application to receive a preliminary quote on your eligible rates and terms, all without affecting your credit score.
Apply in Minutes. Our online loan application is fast and simple.
Outstanding Personalized Service. Our Personal Loan Advisors specialize in helping borrowers save money by recommending personalized refinance options for eligible borrowers.
Student Lending Experience: Education Loan Finance isn't a start-up company - we have a longstanding history and expertise in serving student loan borrowers
Education Loan Finance Referral Program2: Refinance your student loan with us and earn $400 for each new client you refer through our generous referral program
Protection Details
Disclosure1Subject to credit approval. Terms and conditions apply. http://www.elfi.com/terms/
2Visit website for full details. Restrictions apply.
2Visit website for full details. Restrictions apply.
204 Months
6.65 - 8.72%
variable APR
$132
$132 was calculated based on a $15,000 loan with a rate of 7.69% over 204 months.
Per Month
Loan Details
Earnest uses data and technology to understand every applicant's unique financial story and offer customized rates
Lower rates based on your future potential and full financial profile, not just your FICO® score
More savings: Earnest clients save $21,810 on average by refinancing
Flexible terms that let you pick your exact monthly payment, prepay with no penalty, or pay bi-weekly
Lifetime service provided in-house. Unlike other lenders, Earnest will never pass you off to third-party servicers
No fees for origination, prepayment or loan disbursement
Two-minute rate check with no obligation or impact to your credit score
Protection Details
Auto Pay Discount
Rate displayed includes the 0.25% APR discount for using auto-pay1
Forbearance
With documentation from your previous servicer to confirm, we may match your existing grace period for up to nine months.
Payment Deferral
Payment deferral is available in some cases, including post-graduation grace periods, economic hardship, enrollment in school, active military duty, and Peace Corps service.
To qualify, you must be a U.S. citizen or possess a 10-year (non-conditional) Permanent Resident Card, reside in a state Earnest lends in, and satisfy our minimum eligibility criteria. You may find more information on loan eligibility here: https://www.earnest.com/eligibility. Not all applicants will be approved for a loan, and not all applicants qualify for the lowest rate. Approval and interest rate depend on the review of a complete application.
Earnest's fixed rate loan rates range from 4.25% APR (with autopay) to 8.77% APR (with autopay). Variable rate loan rates range from 3.5% APR (with autopay) to 8.72% APR (with autopay). For variable rate loans, although the interest rate will vary after you are approved, the interest rate will never exceed 8.95% for loan terms of 10 years or less. For loan terms of 10 to 15 years, the interest rate will never exceed 9.95%. For loan terms over 15 years, the interest rate will never exceed 11.95% (the maximum rates for these loans). Earnest variable interest rate loans are based on a publicly available index, the one month London Interbank Offered Rate (LIBOR). Your rate will be calculated each month by adding a margin between 2.98% and 8.2% to the one month LIBOR. The rate will not increase more than once per month. Earnest rate ranges are current as of March 18, 2020 and are subject to change based on market conditions and borrower eligibility.
1Autopay Discount: If you make monthly principal and interest payments by an automatic, monthly deduction from a savings or checking account, your rate will be reduced by one quarter of one percent (0.25%) for so long as you continue to make automatic, electronic monthly payments. This benefit is suspended during periods of deferment and forbearance.
The information provided on this page is updated as of 3/18/20. Earnest reserves the right to change, pause, or terminate product offerings at any time without notice.
Earnest loans are originated by Earnest Operations LLC. California Finance Lender License 6054788. NMLS # 1204917. Earnest Operations LLC is located at 303 2nd Street, Suite 401N, San Francisco, CA 94107. Terms and Conditions apply. Visit https://www.earnest.com/terms-of-service, e-mail us at hello@earnest.com, or call 888-601-2801 for more information on our student loan refinance product.
Earnest's fixed rate loan rates range from 4.25% APR (with autopay) to 8.77% APR (with autopay). Variable rate loan rates range from 3.5% APR (with autopay) to 8.72% APR (with autopay). For variable rate loans, although the interest rate will vary after you are approved, the interest rate will never exceed 8.95% for loan terms of 10 years or less. For loan terms of 10 to 15 years, the interest rate will never exceed 9.95%. For loan terms over 15 years, the interest rate will never exceed 11.95% (the maximum rates for these loans). Earnest variable interest rate loans are based on a publicly available index, the one month London Interbank Offered Rate (LIBOR). Your rate will be calculated each month by adding a margin between 2.98% and 8.2% to the one month LIBOR. The rate will not increase more than once per month. Earnest rate ranges are current as of March 18, 2020 and are subject to change based on market conditions and borrower eligibility.
1Autopay Discount: If you make monthly principal and interest payments by an automatic, monthly deduction from a savings or checking account, your rate will be reduced by one quarter of one percent (0.25%) for so long as you continue to make automatic, electronic monthly payments. This benefit is suspended during periods of deferment and forbearance.
The information provided on this page is updated as of 3/18/20. Earnest reserves the right to change, pause, or terminate product offerings at any time without notice.
Earnest loans are originated by Earnest Operations LLC. California Finance Lender License 6054788. NMLS # 1204917. Earnest Operations LLC is located at 303 2nd Street, Suite 401N, San Francisco, CA 94107. Terms and Conditions apply. Visit https://www.earnest.com/terms-of-service, e-mail us at hello@earnest.com, or call 888-601-2801 for more information on our student loan refinance product.
108 Months
5.75 - 8.77%
fixed APR
$190
$190 was calculated based on a $15,000 loan with a rate of 7.26% over 108 months.
Per Month
Loan Details
Earnest uses data and technology to understand every applicant's unique financial story and offer customized rates
Lower rates based on your future potential and full financial profile, not just your FICO® score
More savings: Earnest clients save $21,810 on average by refinancing
Flexible terms that let you pick your exact monthly payment, prepay with no penalty, or pay bi-weekly
Lifetime service provided in-house. Unlike other lenders, Earnest will never pass you off to third-party servicers
No fees for origination, prepayment or loan disbursement
Two-minute rate check with no obligation or impact to your credit score
Protection Details
Auto Pay Discount
Rate displayed includes the 0.25% APR discount for using auto-pay1
Forbearance
With documentation from your previous servicer to confirm, we may match your existing grace period for up to nine months.
Payment Deferral
Payment deferral is available in some cases, including post-graduation grace periods, economic hardship, enrollment in school, active military duty, and Peace Corps service.
To qualify, you must be a U.S. citizen or possess a 10-year (non-conditional) Permanent Resident Card, reside in a state Earnest lends in, and satisfy our minimum eligibility criteria. You may find more information on loan eligibility here: https://www.earnest.com/eligibility. Not all applicants will be approved for a loan, and not all applicants qualify for the lowest rate. Approval and interest rate depend on the review of a complete application.
Earnest's fixed rate loan rates range from 4.25% APR (with autopay) to 8.77% APR (with autopay). Variable rate loan rates range from 3.5% APR (with autopay) to 8.72% APR (with autopay). For variable rate loans, although the interest rate will vary after you are approved, the interest rate will never exceed 8.95% for loan terms of 10 years or less. For loan terms of 10 to 15 years, the interest rate will never exceed 9.95%. For loan terms over 15 years, the interest rate will never exceed 11.95% (the maximum rates for these loans). Earnest variable interest rate loans are based on a publicly available index, the one month London Interbank Offered Rate (LIBOR). Your rate will be calculated each month by adding a margin between 2.98% and 8.2% to the one month LIBOR. The rate will not increase more than once per month. Earnest rate ranges are current as of March 18, 2020 and are subject to change based on market conditions and borrower eligibility.
1Autopay Discount: If you make monthly principal and interest payments by an automatic, monthly deduction from a savings or checking account, your rate will be reduced by one quarter of one percent (0.25%) for so long as you continue to make automatic, electronic monthly payments. This benefit is suspended during periods of deferment and forbearance.
The information provided on this page is updated as of 3/18/20. Earnest reserves the right to change, pause, or terminate product offerings at any time without notice.
Earnest loans are originated by Earnest Operations LLC. California Finance Lender License 6054788. NMLS # 1204917. Earnest Operations LLC is located at 303 2nd Street, Suite 401N, San Francisco, CA 94107. Terms and Conditions apply. Visit https://www.earnest.com/terms-of-service, e-mail us at hello@earnest.com, or call 888-601-2801 for more information on our student loan refinance product.
Earnest's fixed rate loan rates range from 4.25% APR (with autopay) to 8.77% APR (with autopay). Variable rate loan rates range from 3.5% APR (with autopay) to 8.72% APR (with autopay). For variable rate loans, although the interest rate will vary after you are approved, the interest rate will never exceed 8.95% for loan terms of 10 years or less. For loan terms of 10 to 15 years, the interest rate will never exceed 9.95%. For loan terms over 15 years, the interest rate will never exceed 11.95% (the maximum rates for these loans). Earnest variable interest rate loans are based on a publicly available index, the one month London Interbank Offered Rate (LIBOR). Your rate will be calculated each month by adding a margin between 2.98% and 8.2% to the one month LIBOR. The rate will not increase more than once per month. Earnest rate ranges are current as of March 18, 2020 and are subject to change based on market conditions and borrower eligibility.
1Autopay Discount: If you make monthly principal and interest payments by an automatic, monthly deduction from a savings or checking account, your rate will be reduced by one quarter of one percent (0.25%) for so long as you continue to make automatic, electronic monthly payments. This benefit is suspended during periods of deferment and forbearance.
The information provided on this page is updated as of 3/18/20. Earnest reserves the right to change, pause, or terminate product offerings at any time without notice.
Earnest loans are originated by Earnest Operations LLC. California Finance Lender License 6054788. NMLS # 1204917. Earnest Operations LLC is located at 303 2nd Street, Suite 401N, San Francisco, CA 94107. Terms and Conditions apply. Visit https://www.earnest.com/terms-of-service, e-mail us at hello@earnest.com, or call 888-601-2801 for more information on our student loan refinance product.
Advertiser Disclosure: The loan offers that appear on this site are from third party companies ("our partners") from which Experian Consumer Services receives compensation, however the compensation does not impact how or where the products appear on this site. The offers on the site do not represent all available financial services, companies, or products.
Credit scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any offer.
*For complete information, see the terms and conditions on the issuer or partner's website. Once you click apply for this card, you will be directed to the issuer's website where you may review the terms and conditions of the card before applying. We show a summary to help you choose a product, not the full legal terms – and before applying you should understand the full terms of the product as stated by the issuer itself. While Experian Consumer Services uses reasonable efforts to present the most accurate information, all offer information is presented without warranty.
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