Student loans
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State
Loan Amount
$
OK
Term
Loan Type
School Type
Interest Rate
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96 Months
4.00 - 6.48%
Fixed APR
$
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
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.
Disclosure
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 3.20% APR (with autopay) to 6.99% APR (with autopay). Variable rate loan rates range from 1.99% APR (with autopay) to 6.89% 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 0.5% and 5.4% to the one month LIBOR. The rate will not increase more than once per month. Earnest rate ranges are current as of December 13, 2019 and are subject to change based on market conditions and borrower eligibility.
2Autopay 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 12/13/19. 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 3.20% APR (with autopay) to 6.99% APR (with autopay). Variable rate loan rates range from 1.99% APR (with autopay) to 6.89% 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 0.5% and 5.4% to the one month LIBOR. The rate will not increase more than once per month. Earnest rate ranges are current as of December 13, 2019 and are subject to change based on market conditions and borrower eligibility.
2Autopay 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 12/13/19. 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
3.60 - 6.37%
Variable APR
$
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
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.
Disclosure
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 3.20% APR (with autopay) to 6.99% APR (with autopay). Variable rate loan rates range from 1.99% APR (with autopay) to 6.89% 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 0.5% and 5.4% to the one month LIBOR. The rate will not increase more than once per month. Earnest rate ranges are current as of December 13, 2019 and are subject to change based on market conditions and borrower eligibility.
2Autopay 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 12/13/19. 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 3.20% APR (with autopay) to 6.99% APR (with autopay). Variable rate loan rates range from 1.99% APR (with autopay) to 6.89% 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 0.5% and 5.4% to the one month LIBOR. The rate will not increase more than once per month. Earnest rate ranges are current as of December 13, 2019 and are subject to change based on market conditions and borrower eligibility.
2Autopay 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 12/13/19. 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.
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120 Months
3.67 - 6.40%
Variable APR
$
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
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.
Disclosure
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 3.20% APR (with autopay) to 6.99% APR (with autopay). Variable rate loan rates range from 1.99% APR (with autopay) to 6.89% 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 0.5% and 5.4% to the one month LIBOR. The rate will not increase more than once per month. Earnest rate ranges are current as of December 13, 2019 and are subject to change based on market conditions and borrower eligibility.
2Autopay 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 12/13/19. 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 3.20% APR (with autopay) to 6.99% APR (with autopay). Variable rate loan rates range from 1.99% APR (with autopay) to 6.89% 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 0.5% and 5.4% to the one month LIBOR. The rate will not increase more than once per month. Earnest rate ranges are current as of December 13, 2019 and are subject to change based on market conditions and borrower eligibility.
2Autopay 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 12/13/19. 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
3.28 - 12.59%
Variable APR
$
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 $2,000 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% interest rate reduction if payments are made by Automatic Debit
Forbearance
Deferment and forbearance options include 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 and 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
Disclosure
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 01/01/2020 and include a 0.25% discount applied when a borrower in repayment elects automatic debit payments via their personal checking account. 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: visit: www.AscentStudentLoans.com/CashBack
1% Cash Back Graduation Reward subject to terms and conditions. For details, visit: visit: www.AscentStudentLoans.com/CashBack
60 Months
3.46 - 4.93%
Fixed APR
$
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.
Disclosure
Fixed rates from 3.46% APR to 7.362% APR (with AutoPay). Variable rates from 2.31% APR to 7.362% APR (with AutoPay). Interest rates on variable rate loans are capped at either 8.95% or 9.95% depending on term of loan. Lowest variable rate of 2.31% APR assumes current 1 month LIBOR rate of 2.31% minus 0.15% 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. 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.SOFI RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS AND BENEFITS AT ANY TIME WITHOUT NOTICE.
204 Months
4.31 - 6.62%
Variable APR
$
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
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.
Disclosure
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 3.20% APR (with autopay) to 6.99% APR (with autopay). Variable rate loan rates range from 1.99% APR (with autopay) to 6.89% 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 0.5% and 5.4% to the one month LIBOR. The rate will not increase more than once per month. Earnest rate ranges are current as of December 13, 2019 and are subject to change based on market conditions and borrower eligibility.
2Autopay 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 12/13/19. 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 3.20% APR (with autopay) to 6.99% APR (with autopay). Variable rate loan rates range from 1.99% APR (with autopay) to 6.89% 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 0.5% and 5.4% to the one month LIBOR. The rate will not increase more than once per month. Earnest rate ranges are current as of December 13, 2019 and are subject to change based on market conditions and borrower eligibility.
2Autopay 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 12/13/19. 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
4.19 - 6.49%
Fixed APR
$
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
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.
Disclosure
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 3.20% APR (with autopay) to 6.99% APR (with autopay). Variable rate loan rates range from 1.99% APR (with autopay) to 6.89% 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 0.5% and 5.4% to the one month LIBOR. The rate will not increase more than once per month. Earnest rate ranges are current as of December 13, 2019 and are subject to change based on market conditions and borrower eligibility.
2Autopay 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 12/13/19. 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 3.20% APR (with autopay) to 6.99% APR (with autopay). Variable rate loan rates range from 1.99% APR (with autopay) to 6.89% 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 0.5% and 5.4% to the one month LIBOR. The rate will not increase more than once per month. Earnest rate ranges are current as of December 13, 2019 and are subject to change based on market conditions and borrower eligibility.
2Autopay 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 12/13/19. 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
3.28 - 12.59%
Variable APR
$
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 $2,000 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% interest rate reduction if payments are made by Automatic Debit
Forbearance
Deferment and forbearance options include 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 and 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
Disclosure
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 01/01/2020 and include a 0.25% discount applied when a borrower in repayment elects automatic debit payments via their personal checking account. 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: visit: www.AscentStudentLoans.com/CashBack
1% Cash Back Graduation Reward subject to terms and conditions. For details, visit: visit: www.AscentStudentLoans.com/CashBack
120 Months
5.64 - 9.64%
Variable APR
$
Per Month
Loan Details
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
Interest Payments Only
Payment Deferral
Deferred while in school
Disclosure
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
2.84 - 10.97%
Variable APR
$
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
Disclosure
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.
168 Months
4.54 - 6.80%
Fixed APR
$
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
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.
Disclosure
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 3.20% APR (with autopay) to 6.99% APR (with autopay). Variable rate loan rates range from 1.99% APR (with autopay) to 6.89% 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 0.5% and 5.4% to the one month LIBOR. The rate will not increase more than once per month. Earnest rate ranges are current as of December 13, 2019 and are subject to change based on market conditions and borrower eligibility.
2Autopay 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 12/13/19. 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 3.20% APR (with autopay) to 6.99% APR (with autopay). Variable rate loan rates range from 1.99% APR (with autopay) to 6.89% 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 0.5% and 5.4% to the one month LIBOR. The rate will not increase more than once per month. Earnest rate ranges are current as of December 13, 2019 and are subject to change based on market conditions and borrower eligibility.
2Autopay 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 12/13/19. 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.
132 Months
3.79 - 6.53%
Variable APR
$
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
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.
Disclosure
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 3.20% APR (with autopay) to 6.99% APR (with autopay). Variable rate loan rates range from 1.99% APR (with autopay) to 6.89% 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 0.5% and 5.4% to the one month LIBOR. The rate will not increase more than once per month. Earnest rate ranges are current as of December 13, 2019 and are subject to change based on market conditions and borrower eligibility.
2Autopay 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 12/13/19. 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 3.20% APR (with autopay) to 6.99% APR (with autopay). Variable rate loan rates range from 1.99% APR (with autopay) to 6.89% 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 0.5% and 5.4% to the one month LIBOR. The rate will not increase more than once per month. Earnest rate ranges are current as of December 13, 2019 and are subject to change based on market conditions and borrower eligibility.
2Autopay 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 12/13/19. 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
$
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
Forbearance
Disclosure
1Subject to credit approval. Terms and conditions apply. http://www.elfi.com/terms/
2Visit website for full details. Restrictions apply. Taxes are the sole responsibility of the recipient.
Fast Track Bonus: As of December 1, 2018 we will no longer be offering the $100 Fast Track Bonus.
2Visit website for full details. Restrictions apply. Taxes are the sole responsibility of the recipient.
Fast Track Bonus: As of December 1, 2018 we will no longer be offering the $100 Fast Track Bonus.
180 Months
2.84 - 10.97%
Variable APR
$
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
Disclosure
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
5.45 - 9.74%
Fixed APR
$
Per Month
Loan Details
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
Interest Payments Only
Payment Deferral
Deferred while in school
Disclosure
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
4.97 - 8.22%
Fixed APR
$
Per Month
Loan Details
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
Interest Payments Only
Payment Deferral
Up to 32 months of deferment available
Disclosure
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
$
Per Month
Loan Details
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
Interest Payments Only
Payment Deferral
Deferred while in school
Disclosure
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
204 Months
4.75 - 6.92%
Fixed APR
$
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
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.
Disclosure
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 3.20% APR (with autopay) to 6.99% APR (with autopay). Variable rate loan rates range from 1.99% APR (with autopay) to 6.89% 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 0.5% and 5.4% to the one month LIBOR. The rate will not increase more than once per month. Earnest rate ranges are current as of December 13, 2019 and are subject to change based on market conditions and borrower eligibility.
2Autopay 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 12/13/19. 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 3.20% APR (with autopay) to 6.99% APR (with autopay). Variable rate loan rates range from 1.99% APR (with autopay) to 6.89% 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 0.5% and 5.4% to the one month LIBOR. The rate will not increase more than once per month. Earnest rate ranges are current as of December 13, 2019 and are subject to change based on market conditions and borrower eligibility.
2Autopay 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 12/13/19. 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.
144 Months
4.48 - 6.68%
Fixed APR
$
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
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.
Disclosure
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 3.20% APR (with autopay) to 6.99% APR (with autopay). Variable rate loan rates range from 1.99% APR (with autopay) to 6.89% 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 0.5% and 5.4% to the one month LIBOR. The rate will not increase more than once per month. Earnest rate ranges are current as of December 13, 2019 and are subject to change based on market conditions and borrower eligibility.
2Autopay 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 12/13/19. 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 3.20% APR (with autopay) to 6.99% APR (with autopay). Variable rate loan rates range from 1.99% APR (with autopay) to 6.89% 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 0.5% and 5.4% to the one month LIBOR. The rate will not increase more than once per month. Earnest rate ranges are current as of December 13, 2019 and are subject to change based on market conditions and borrower eligibility.
2Autopay 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 12/13/19. 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
$
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
Disclosure
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
5.79 - 7.20%
Fixed APR
$
Per Month
Loan Details
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
Interest Payments Only
Payment Deferral
Deferred while in school
Disclosure
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
2.41 - 6.18%
Variable APR
$
Per Month
Loan Details
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
Interest Payments Only
Payment Deferral
Up to 32 months of deferment available
Disclosure
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
4.52 - 7.77%
Fixed APR
$
Per Month
Loan Details
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
Interest Payments Only
Payment Deferral
Up to 32 months of deferment available
Disclosure
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
6.45 - 9.65%
Variable APR
$
Per Month
Loan Details
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
Interest Payments Only
Payment Deferral
Deferred while in school
Disclosure
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
6.63 - 9.74%
Fixed APR
$
Per Month
Loan Details
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
Interest Payments Only
Payment Deferral
Deferred while in school
Disclosure
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
4.89 - 6.99%
Fixed APR
$
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
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.
Disclosure
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 3.20% APR (with autopay) to 6.99% APR (with autopay). Variable rate loan rates range from 1.99% APR (with autopay) to 6.89% 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 0.5% and 5.4% to the one month LIBOR. The rate will not increase more than once per month. Earnest rate ranges are current as of December 13, 2019 and are subject to change based on market conditions and borrower eligibility.
2Autopay 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 12/13/19. 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 3.20% APR (with autopay) to 6.99% APR (with autopay). Variable rate loan rates range from 1.99% APR (with autopay) to 6.89% 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 0.5% and 5.4% to the one month LIBOR. The rate will not increase more than once per month. Earnest rate ranges are current as of December 13, 2019 and are subject to change based on market conditions and borrower eligibility.
2Autopay 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 12/13/19. 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
$
Per Month
Loan Details
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
Interest Payments Only
Payment Deferral
Deferred while in school
Disclosure
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
2.39 - 4.99%
Variable APR
$
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
Forbearance
Disclosure
1Subject to credit approval. Terms and conditions apply. http://www.elfi.com/terms/
2Visit website for full details. Restrictions apply. Taxes are the sole responsibility of the recipient.
Fast Track Bonus: As of December 1, 2018 we will no longer be offering the $100 Fast Track Bonus.
2Visit website for full details. Restrictions apply. Taxes are the sole responsibility of the recipient.
Fast Track Bonus: As of December 1, 2018 we will no longer be offering the $100 Fast Track Bonus.
180 Months
4.28 - 5.75%
Variable APR
$
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
Forbearance
Disclosure
1Subject to credit approval. Terms and conditions apply. http://www.elfi.com/terms/
2Visit website for full details. Restrictions apply. Taxes are the sole responsibility of the recipient.
Fast Track Bonus: As of December 1, 2018 we will no longer be offering the $100 Fast Track Bonus.
2Visit website for full details. Restrictions apply. Taxes are the sole responsibility of the recipient.
Fast Track Bonus: As of December 1, 2018 we will no longer be offering the $100 Fast Track Bonus.
192 Months
4.59 - 6.87%
Fixed APR
$
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
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.
Disclosure
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 3.20% APR (with autopay) to 6.99% APR (with autopay). Variable rate loan rates range from 1.99% APR (with autopay) to 6.89% 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 0.5% and 5.4% to the one month LIBOR. The rate will not increase more than once per month. Earnest rate ranges are current as of December 13, 2019 and are subject to change based on market conditions and borrower eligibility.
2Autopay 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 12/13/19. 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 3.20% APR (with autopay) to 6.99% APR (with autopay). Variable rate loan rates range from 1.99% APR (with autopay) to 6.89% 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 0.5% and 5.4% to the one month LIBOR. The rate will not increase more than once per month. Earnest rate ranges are current as of December 13, 2019 and are subject to change based on market conditions and borrower eligibility.
2Autopay 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 12/13/19. 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
3.85 - 6.62%
Variable APR
$
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
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.
Disclosure
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 3.20% APR (with autopay) to 6.99% APR (with autopay). Variable rate loan rates range from 1.99% APR (with autopay) to 6.89% 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 0.5% and 5.4% to the one month LIBOR. The rate will not increase more than once per month. Earnest rate ranges are current as of December 13, 2019 and are subject to change based on market conditions and borrower eligibility.
2Autopay 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 12/13/19. 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 3.20% APR (with autopay) to 6.99% APR (with autopay). Variable rate loan rates range from 1.99% APR (with autopay) to 6.89% 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 0.5% and 5.4% to the one month LIBOR. The rate will not increase more than once per month. Earnest rate ranges are current as of December 13, 2019 and are subject to change based on market conditions and borrower eligibility.
2Autopay 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 12/13/19. 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.
144 Months
3.82 - 6.62%
Variable APR
$
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
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.
Disclosure
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 3.20% APR (with autopay) to 6.99% APR (with autopay). Variable rate loan rates range from 1.99% APR (with autopay) to 6.89% 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 0.5% and 5.4% to the one month LIBOR. The rate will not increase more than once per month. Earnest rate ranges are current as of December 13, 2019 and are subject to change based on market conditions and borrower eligibility.
2Autopay 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 12/13/19. 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 3.20% APR (with autopay) to 6.99% APR (with autopay). Variable rate loan rates range from 1.99% APR (with autopay) to 6.89% 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 0.5% and 5.4% to the one month LIBOR. The rate will not increase more than once per month. Earnest rate ranges are current as of December 13, 2019 and are subject to change based on market conditions and borrower eligibility.
2Autopay 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 12/13/19. 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
$
Per Month
Loan Details
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
Interest Payments Only
Payment Deferral
Up to 32 months of deferment available
Disclosure
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
4.26 - 13.22%
Fixed APR
$
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 $2,000 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% interest rate reduction if payments are made by Automatic Debit
Forbearance
Deferment and forbearance options include 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 and 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
Disclosure
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 01/01/2020 and include a 0.25% discount applied when a borrower in repayment elects automatic debit payments via their personal checking account. 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: visit: www.AscentStudentLoans.com/CashBack
1% Cash Back Graduation Reward subject to terms and conditions. For details, visit: visit: www.AscentStudentLoans.com/CashBack
84 Months
3.75 - 6.77%
Fixed APR
$
Per Month
Loan Details
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
Interest Payments Only
Payment Deferral
Up to 32 months of deferment available
Disclosure
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
4.35 - 6.69%
Fixed APR
$
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
Forbearance
Disclosure
1Subject to credit approval. Terms and conditions apply. http://www.elfi.com/terms/
2Visit website for full details. Restrictions apply. Taxes are the sole responsibility of the recipient.
Fast Track Bonus: As of December 1, 2018 we will no longer be offering the $100 Fast Track Bonus.
2Visit website for full details. Restrictions apply. Taxes are the sole responsibility of the recipient.
Fast Track Bonus: As of December 1, 2018 we will no longer be offering the $100 Fast Track Bonus.
120 Months
5.91 - 9.74%
Fixed APR
$
Per Month
Loan Details
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
Interest Payments Only
Payment Deferral
Deferred while in school
Disclosure
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
3.48 - 6.5%
Variable APR
$
Per Month
Loan Details
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
Interest Payments Only
Payment Deferral
Up to 32 months of deferment available
Disclosure
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
4.79 - 6.02%
Fixed APR
$
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.
Disclosure
Fixed rates from 3.46% APR to 7.362% APR (with AutoPay). Variable rates from 2.31% APR to 7.362% APR (with AutoPay). Interest rates on variable rate loans are capped at either 8.95% or 9.95% depending on term of loan. Lowest variable rate of 2.31% APR assumes current 1 month LIBOR rate of 2.31% minus 0.15% 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. 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.SOFI RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS AND BENEFITS AT ANY TIME WITHOUT NOTICE.
60 Months
2.84 - 10.97%
Variable APR
$
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
Disclosure
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
5.37 - 6.77%
Fixed APR
$
Per Month
Loan Details
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
Interest Payments Only
Payment Deferral
Deferred while in school
Disclosure
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
6.49 - 9.64%
Variable APR
$
Per Month
Loan Details
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
Interest Payments Only
Payment Deferral
Deferred while in school
Disclosure
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
4.54 - 11.98%
Fixed APR
$
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
Disclosure
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.
168 Months
3.86 - 6.62%
Variable APR
$
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
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.
Disclosure
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 3.20% APR (with autopay) to 6.99% APR (with autopay). Variable rate loan rates range from 1.99% APR (with autopay) to 6.89% 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 0.5% and 5.4% to the one month LIBOR. The rate will not increase more than once per month. Earnest rate ranges are current as of December 13, 2019 and are subject to change based on market conditions and borrower eligibility.
2Autopay 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 12/13/19. 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 3.20% APR (with autopay) to 6.99% APR (with autopay). Variable rate loan rates range from 1.99% APR (with autopay) to 6.89% 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 0.5% and 5.4% to the one month LIBOR. The rate will not increase more than once per month. Earnest rate ranges are current as of December 13, 2019 and are subject to change based on market conditions and borrower eligibility.
2Autopay 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 12/13/19. 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
5.85 - 9.74%
Fixed APR
$
Per Month
Loan Details
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
Interest Payments Only
Payment Deferral
Deferred while in school
Disclosure
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
5.34 - 6.62%
Variable APR
$
Per Month
Loan Details
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
Interest Payments Only
Payment Deferral
Deferred while in school
Disclosure
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
4.26 - 13.22%
Fixed APR
$
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 $2,000 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% interest rate reduction if payments are made by Automatic Debit
Forbearance
Deferment and forbearance options include 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 and 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
Disclosure
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 01/01/2020 and include a 0.25% discount applied when a borrower in repayment elects automatic debit payments via their personal checking account. 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: visit: www.AscentStudentLoans.com/CashBack
1% Cash Back Graduation Reward subject to terms and conditions. For details, visit: visit: www.AscentStudentLoans.com/CashBack
240 Months
4.94 - 7.36%
Fixed APR
$
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.
Disclosure
Fixed rates from 3.46% APR to 7.362% APR (with AutoPay). Variable rates from 2.31% APR to 7.362% APR (with AutoPay). Interest rates on variable rate loans are capped at either 8.95% or 9.95% depending on term of loan. Lowest variable rate of 2.31% APR assumes current 1 month LIBOR rate of 2.31% minus 0.15% 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. 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.SOFI RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS AND BENEFITS AT ANY TIME WITHOUT NOTICE.
180 Months
4.54 - 11.98%
Fixed APR
$
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
Disclosure
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.
216 Months
4.83 - 6.92%
Fixed APR
$
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
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.
Disclosure
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 3.20% APR (with autopay) to 6.99% APR (with autopay). Variable rate loan rates range from 1.99% APR (with autopay) to 6.89% 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 0.5% and 5.4% to the one month LIBOR. The rate will not increase more than once per month. Earnest rate ranges are current as of December 13, 2019 and are subject to change based on market conditions and borrower eligibility.
2Autopay 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 12/13/19. 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 3.20% APR (with autopay) to 6.99% APR (with autopay). Variable rate loan rates range from 1.99% APR (with autopay) to 6.89% 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 0.5% and 5.4% to the one month LIBOR. The rate will not increase more than once per month. Earnest rate ranges are current as of December 13, 2019 and are subject to change based on market conditions and borrower eligibility.
2Autopay 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 12/13/19. 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
4.31 - 6.62%
Variable APR
$
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
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.
Disclosure
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 3.20% APR (with autopay) to 6.99% APR (with autopay). Variable rate loan rates range from 1.99% APR (with autopay) to 6.89% 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 0.5% and 5.4% to the one month LIBOR. The rate will not increase more than once per month. Earnest rate ranges are current as of December 13, 2019 and are subject to change based on market conditions and borrower eligibility.
2Autopay 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 12/13/19. 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 3.20% APR (with autopay) to 6.99% APR (with autopay). Variable rate loan rates range from 1.99% APR (with autopay) to 6.89% 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 0.5% and 5.4% to the one month LIBOR. The rate will not increase more than once per month. Earnest rate ranges are current as of December 13, 2019 and are subject to change based on market conditions and borrower eligibility.
2Autopay 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 12/13/19. 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
6.60 - 9.74%
Fixed APR
$
Per Month
Loan Details
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
Interest Payments Only
Payment Deferral
Deferred while in school
Disclosure
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
4.45 - 6.57%
Fixed APR
$
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
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.
Disclosure
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 3.20% APR (with autopay) to 6.99% APR (with autopay). Variable rate loan rates range from 1.99% APR (with autopay) to 6.89% 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 0.5% and 5.4% to the one month LIBOR. The rate will not increase more than once per month. Earnest rate ranges are current as of December 13, 2019 and are subject to change based on market conditions and borrower eligibility.
2Autopay 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 12/13/19. 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 3.20% APR (with autopay) to 6.99% APR (with autopay). Variable rate loan rates range from 1.99% APR (with autopay) to 6.89% 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 0.5% and 5.4% to the one month LIBOR. The rate will not increase more than once per month. Earnest rate ranges are current as of December 13, 2019 and are subject to change based on market conditions and borrower eligibility.
2Autopay 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 12/13/19. 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
$
Per Month
Loan Details
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
Interest Payments Only
Payment Deferral
Up to 32 months of deferment available
Disclosure
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
3.72 - 6.48%
Fixed APR
$
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
Forbearance
Disclosure
1Subject to credit approval. Terms and conditions apply. http://www.elfi.com/terms/
2Visit website for full details. Restrictions apply. Taxes are the sole responsibility of the recipient.
Fast Track Bonus: As of December 1, 2018 we will no longer be offering the $100 Fast Track Bonus.
2Visit website for full details. Restrictions apply. Taxes are the sole responsibility of the recipient.
Fast Track Bonus: As of December 1, 2018 we will no longer be offering the $100 Fast Track Bonus.
180 Months
4.89 - 6.88%
Fixed APR
$
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.
Disclosure
Fixed rates from 3.46% APR to 7.362% APR (with AutoPay). Variable rates from 2.31% APR to 7.362% APR (with AutoPay). Interest rates on variable rate loans are capped at either 8.95% or 9.95% depending on term of loan. Lowest variable rate of 2.31% APR assumes current 1 month LIBOR rate of 2.31% minus 0.15% 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. 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.SOFI RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS AND BENEFITS AT ANY TIME WITHOUT NOTICE.
60 Months
3.14 - 5.99%
Fixed APR
$
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
Forbearance
Disclosure
1Subject to credit approval. Terms and conditions apply. http://www.elfi.com/terms/
2Visit website for full details. Restrictions apply. Taxes are the sole responsibility of the recipient.
Fast Track Bonus: As of December 1, 2018 we will no longer be offering the $100 Fast Track Bonus.
2Visit website for full details. Restrictions apply. Taxes are the sole responsibility of the recipient.
Fast Track Bonus: As of December 1, 2018 we will no longer be offering the $100 Fast Track Bonus.
72 Months
3.17 - 6.09%
Variable APR
$
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
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.
Disclosure
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 3.20% APR (with autopay) to 6.99% APR (with autopay). Variable rate loan rates range from 1.99% APR (with autopay) to 6.89% 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 0.5% and 5.4% to the one month LIBOR. The rate will not increase more than once per month. Earnest rate ranges are current as of December 13, 2019 and are subject to change based on market conditions and borrower eligibility.
2Autopay 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 12/13/19. 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 3.20% APR (with autopay) to 6.99% APR (with autopay). Variable rate loan rates range from 1.99% APR (with autopay) to 6.89% 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 0.5% and 5.4% to the one month LIBOR. The rate will not increase more than once per month. Earnest rate ranges are current as of December 13, 2019 and are subject to change based on market conditions and borrower eligibility.
2Autopay 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 12/13/19. 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
4.11 - 4.93%
Fixed APR
$
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.
Disclosure
Fixed rates from 3.46% APR to 7.362% APR (with AutoPay). Variable rates from 2.31% APR to 7.362% APR (with AutoPay). Interest rates on variable rate loans are capped at either 8.95% or 9.95% depending on term of loan. Lowest variable rate of 2.31% APR assumes current 1 month LIBOR rate of 2.31% minus 0.15% 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. 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.SOFI RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS AND BENEFITS AT ANY TIME WITHOUT NOTICE.
120 Months
5.54 - 9.64%
Variable APR
$
Per Month
Loan Details
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
Interest Payments Only
Payment Deferral
Deferred while in school
Disclosure
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
3.55 - 6.23%
Fixed APR
$
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
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.
Disclosure
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 3.20% APR (with autopay) to 6.99% APR (with autopay). Variable rate loan rates range from 1.99% APR (with autopay) to 6.89% 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 0.5% and 5.4% to the one month LIBOR. The rate will not increase more than once per month. Earnest rate ranges are current as of December 13, 2019 and are subject to change based on market conditions and borrower eligibility.
2Autopay 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 12/13/19. 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 3.20% APR (with autopay) to 6.99% APR (with autopay). Variable rate loan rates range from 1.99% APR (with autopay) to 6.89% 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 0.5% and 5.4% to the one month LIBOR. The rate will not increase more than once per month. Earnest rate ranges are current as of December 13, 2019 and are subject to change based on market conditions and borrower eligibility.
2Autopay 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 12/13/19. 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
4.51 - 6.89%
Variable APR
$
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
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.
Disclosure
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 3.20% APR (with autopay) to 6.99% APR (with autopay). Variable rate loan rates range from 1.99% APR (with autopay) to 6.89% 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 0.5% and 5.4% to the one month LIBOR. The rate will not increase more than once per month. Earnest rate ranges are current as of December 13, 2019 and are subject to change based on market conditions and borrower eligibility.
2Autopay 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 12/13/19. 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 3.20% APR (with autopay) to 6.99% APR (with autopay). Variable rate loan rates range from 1.99% APR (with autopay) to 6.89% 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 0.5% and 5.4% to the one month LIBOR. The rate will not increase more than once per month. Earnest rate ranges are current as of December 13, 2019 and are subject to change based on market conditions and borrower eligibility.
2Autopay 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 12/13/19. 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
$
Per Month
Loan Details
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
Interest Payments Only
Payment Deferral
Up to 32 months of deferment available
Disclosure
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
3.20 - 6.03%
Fixed APR
$
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
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.
Disclosure
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 3.20% APR (with autopay) to 6.99% APR (with autopay). Variable rate loan rates range from 1.99% APR (with autopay) to 6.89% 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 0.5% and 5.4% to the one month LIBOR. The rate will not increase more than once per month. Earnest rate ranges are current as of December 13, 2019 and are subject to change based on market conditions and borrower eligibility.
2Autopay 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 12/13/19. 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 3.20% APR (with autopay) to 6.99% APR (with autopay). Variable rate loan rates range from 1.99% APR (with autopay) to 6.89% 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 0.5% and 5.4% to the one month LIBOR. The rate will not increase more than once per month. Earnest rate ranges are current as of December 13, 2019 and are subject to change based on market conditions and borrower eligibility.
2Autopay 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 12/13/19. 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
1.99 - 5.94%
Variable APR
$
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
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.
Disclosure
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 3.20% APR (with autopay) to 6.99% APR (with autopay). Variable rate loan rates range from 1.99% APR (with autopay) to 6.89% 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 0.5% and 5.4% to the one month LIBOR. The rate will not increase more than once per month. Earnest rate ranges are current as of December 13, 2019 and are subject to change based on market conditions and borrower eligibility.
2Autopay 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 12/13/19. 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 3.20% APR (with autopay) to 6.99% APR (with autopay). Variable rate loan rates range from 1.99% APR (with autopay) to 6.89% 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 0.5% and 5.4% to the one month LIBOR. The rate will not increase more than once per month. Earnest rate ranges are current as of December 13, 2019 and are subject to change based on market conditions and borrower eligibility.
2Autopay 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 12/13/19. 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
3.75 - 6.8%
Variable APR
$
Per Month
Loan Details
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
Interest Payments Only
Payment Deferral
Up to 32 months of deferment available
Disclosure
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
3.37 - 6.17%
Variable APR
$
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
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.
Disclosure
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 3.20% APR (with autopay) to 6.99% APR (with autopay). Variable rate loan rates range from 1.99% APR (with autopay) to 6.89% 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 0.5% and 5.4% to the one month LIBOR. The rate will not increase more than once per month. Earnest rate ranges are current as of December 13, 2019 and are subject to change based on market conditions and borrower eligibility.
2Autopay 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 12/13/19. 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 3.20% APR (with autopay) to 6.99% APR (with autopay). Variable rate loan rates range from 1.99% APR (with autopay) to 6.89% 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 0.5% and 5.4% to the one month LIBOR. The rate will not increase more than once per month. Earnest rate ranges are current as of December 13, 2019 and are subject to change based on market conditions and borrower eligibility.
2Autopay 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 12/13/19. 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
4.82 - 6.69%
Fixed APR
$
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
Forbearance
Disclosure
1Subject to credit approval. Terms and conditions apply. http://www.elfi.com/terms/
2Visit website for full details. Restrictions apply. Taxes are the sole responsibility of the recipient.
Fast Track Bonus: As of December 1, 2018 we will no longer be offering the $100 Fast Track Bonus.
2Visit website for full details. Restrictions apply. Taxes are the sole responsibility of the recipient.
Fast Track Bonus: As of December 1, 2018 we will no longer be offering the $100 Fast Track Bonus.
180 Months
3.87 - 6.62%
Variable APR
$
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
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.
Disclosure
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 3.20% APR (with autopay) to 6.99% APR (with autopay). Variable rate loan rates range from 1.99% APR (with autopay) to 6.89% 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 0.5% and 5.4% to the one month LIBOR. The rate will not increase more than once per month. Earnest rate ranges are current as of December 13, 2019 and are subject to change based on market conditions and borrower eligibility.
2Autopay 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 12/13/19. 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 3.20% APR (with autopay) to 6.99% APR (with autopay). Variable rate loan rates range from 1.99% APR (with autopay) to 6.89% 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 0.5% and 5.4% to the one month LIBOR. The rate will not increase more than once per month. Earnest rate ranges are current as of December 13, 2019 and are subject to change based on market conditions and borrower eligibility.
2Autopay 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 12/13/19. 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
4.54 - 11.98%
Fixed APR
$
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
Disclosure
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
3.66 - 9.64%
Variable APR
$
Per Month
Loan Details
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
Interest Payments Only
Payment Deferral
Deferred while in school
Disclosure
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
156 Months
4.49 - 6.72%
Fixed APR
$
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
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.
Disclosure
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 3.20% APR (with autopay) to 6.99% APR (with autopay). Variable rate loan rates range from 1.99% APR (with autopay) to 6.89% 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 0.5% and 5.4% to the one month LIBOR. The rate will not increase more than once per month. Earnest rate ranges are current as of December 13, 2019 and are subject to change based on market conditions and borrower eligibility.
2Autopay 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 12/13/19. 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 3.20% APR (with autopay) to 6.99% APR (with autopay). Variable rate loan rates range from 1.99% APR (with autopay) to 6.89% 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 0.5% and 5.4% to the one month LIBOR. The rate will not increase more than once per month. Earnest rate ranges are current as of December 13, 2019 and are subject to change based on market conditions and borrower eligibility.
2Autopay 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 12/13/19. 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
3.99 - 6.69%
Fixed APR
$
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
Forbearance
Disclosure
1Subject to credit approval. Terms and conditions apply. http://www.elfi.com/terms/
2Visit website for full details. Restrictions apply. Taxes are the sole responsibility of the recipient.
Fast Track Bonus: As of December 1, 2018 we will no longer be offering the $100 Fast Track Bonus.
2Visit website for full details. Restrictions apply. Taxes are the sole responsibility of the recipient.
Fast Track Bonus: As of December 1, 2018 we will no longer be offering the $100 Fast Track Bonus.
84 Months
3.47 - 5.14%
Variable APR
$
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
Forbearance
Disclosure
1Subject to credit approval. Terms and conditions apply. http://www.elfi.com/terms/
2Visit website for full details. Restrictions apply. Taxes are the sole responsibility of the recipient.
Fast Track Bonus: As of December 1, 2018 we will no longer be offering the $100 Fast Track Bonus.
2Visit website for full details. Restrictions apply. Taxes are the sole responsibility of the recipient.
Fast Track Bonus: As of December 1, 2018 we will no longer be offering the $100 Fast Track Bonus.
180 Months
4.55 - 6.81%
Fixed APR
$
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
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.
Disclosure
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 3.20% APR (with autopay) to 6.99% APR (with autopay). Variable rate loan rates range from 1.99% APR (with autopay) to 6.89% 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 0.5% and 5.4% to the one month LIBOR. The rate will not increase more than once per month. Earnest rate ranges are current as of December 13, 2019 and are subject to change based on market conditions and borrower eligibility.
2Autopay 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 12/13/19. 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 3.20% APR (with autopay) to 6.99% APR (with autopay). Variable rate loan rates range from 1.99% APR (with autopay) to 6.89% 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 0.5% and 5.4% to the one month LIBOR. The rate will not increase more than once per month. Earnest rate ranges are current as of December 13, 2019 and are subject to change based on market conditions and borrower eligibility.
2Autopay 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 12/13/19. 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
4.83 - 6.99%
Fixed APR
$
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
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.
Disclosure
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 3.20% APR (with autopay) to 6.99% APR (with autopay). Variable rate loan rates range from 1.99% APR (with autopay) to 6.89% 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 0.5% and 5.4% to the one month LIBOR. The rate will not increase more than once per month. Earnest rate ranges are current as of December 13, 2019 and are subject to change based on market conditions and borrower eligibility.
2Autopay 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 12/13/19. 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 3.20% APR (with autopay) to 6.99% APR (with autopay). Variable rate loan rates range from 1.99% APR (with autopay) to 6.89% 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 0.5% and 5.4% to the one month LIBOR. The rate will not increase more than once per month. Earnest rate ranges are current as of December 13, 2019 and are subject to change based on market conditions and borrower eligibility.
2Autopay 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 12/13/19. 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
4.30 - 6.52%
Fixed APR
$
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
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.
Disclosure
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 3.20% APR (with autopay) to 6.99% APR (with autopay). Variable rate loan rates range from 1.99% APR (with autopay) to 6.89% 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 0.5% and 5.4% to the one month LIBOR. The rate will not increase more than once per month. Earnest rate ranges are current as of December 13, 2019 and are subject to change based on market conditions and borrower eligibility.
2Autopay 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 12/13/19. 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 3.20% APR (with autopay) to 6.99% APR (with autopay). Variable rate loan rates range from 1.99% APR (with autopay) to 6.89% 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 0.5% and 5.4% to the one month LIBOR. The rate will not increase more than once per month. Earnest rate ranges are current as of December 13, 2019 and are subject to change based on market conditions and borrower eligibility.
2Autopay 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 12/13/19. 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
4.41 - 6.62%
Variable APR
$
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
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.
Disclosure
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 3.20% APR (with autopay) to 6.99% APR (with autopay). Variable rate loan rates range from 1.99% APR (with autopay) to 6.89% 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 0.5% and 5.4% to the one month LIBOR. The rate will not increase more than once per month. Earnest rate ranges are current as of December 13, 2019 and are subject to change based on market conditions and borrower eligibility.
2Autopay 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 12/13/19. 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 3.20% APR (with autopay) to 6.99% APR (with autopay). Variable rate loan rates range from 1.99% APR (with autopay) to 6.89% 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 0.5% and 5.4% to the one month LIBOR. The rate will not increase more than once per month. Earnest rate ranges are current as of December 13, 2019 and are subject to change based on market conditions and borrower eligibility.
2Autopay 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 12/13/19. 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
$
Per Month
Loan Details
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
Interest Payments Only
Payment Deferral
Up to 32 months of deferment available
Disclosure
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
3.55 - 6.36%
Variable APR
$
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
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.
Disclosure
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 3.20% APR (with autopay) to 6.99% APR (with autopay). Variable rate loan rates range from 1.99% APR (with autopay) to 6.89% 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 0.5% and 5.4% to the one month LIBOR. The rate will not increase more than once per month. Earnest rate ranges are current as of December 13, 2019 and are subject to change based on market conditions and borrower eligibility.
2Autopay 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 12/13/19. 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 3.20% APR (with autopay) to 6.99% APR (with autopay). Variable rate loan rates range from 1.99% APR (with autopay) to 6.89% 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 0.5% and 5.4% to the one month LIBOR. The rate will not increase more than once per month. Earnest rate ranges are current as of December 13, 2019 and are subject to change based on market conditions and borrower eligibility.
2Autopay 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 12/13/19. 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
2.84 - 10.97%
Variable APR
$
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
Disclosure
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
$
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
Forbearance
Disclosure
1Subject to credit approval. Terms and conditions apply. http://www.elfi.com/terms/
2Visit website for full details. Restrictions apply. Taxes are the sole responsibility of the recipient.
Fast Track Bonus: As of December 1, 2018 we will no longer be offering the $100 Fast Track Bonus.
2Visit website for full details. Restrictions apply. Taxes are the sole responsibility of the recipient.
Fast Track Bonus: As of December 1, 2018 we will no longer be offering the $100 Fast Track Bonus.
216 Months
4.39 - 6.62%
Variable APR
$
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
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.
Disclosure
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 3.20% APR (with autopay) to 6.99% APR (with autopay). Variable rate loan rates range from 1.99% APR (with autopay) to 6.89% 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 0.5% and 5.4% to the one month LIBOR. The rate will not increase more than once per month. Earnest rate ranges are current as of December 13, 2019 and are subject to change based on market conditions and borrower eligibility.
2Autopay 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 12/13/19. 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 3.20% APR (with autopay) to 6.99% APR (with autopay). Variable rate loan rates range from 1.99% APR (with autopay) to 6.89% 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 0.5% and 5.4% to the one month LIBOR. The rate will not increase more than once per month. Earnest rate ranges are current as of December 13, 2019 and are subject to change based on market conditions and borrower eligibility.
2Autopay 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 12/13/19. 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
3.28 - 12.59%
Variable APR
$
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 $2,000 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% interest rate reduction if payments are made by Automatic Debit
Forbearance
Deferment and forbearance options include 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 and 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
Disclosure
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 01/01/2020 and include a 0.25% discount applied when a borrower in repayment elects automatic debit payments via their personal checking account. 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: visit: www.AscentStudentLoans.com/CashBack
1% Cash Back Graduation Reward subject to terms and conditions. For details, visit: visit: www.AscentStudentLoans.com/CashBack
180 Months
6.07 - 7.05%
Variable APR
$
Per Month
Loan Details
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
Interest Payments Only
Payment Deferral
Deferred while in school
Disclosure
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
3.85 - 6.30%
Fixed APR
$
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
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.
Disclosure
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 3.20% APR (with autopay) to 6.99% APR (with autopay). Variable rate loan rates range from 1.99% APR (with autopay) to 6.89% 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 0.5% and 5.4% to the one month LIBOR. The rate will not increase more than once per month. Earnest rate ranges are current as of December 13, 2019 and are subject to change based on market conditions and borrower eligibility.
2Autopay 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 12/13/19. 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 3.20% APR (with autopay) to 6.99% APR (with autopay). Variable rate loan rates range from 1.99% APR (with autopay) to 6.89% 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 0.5% and 5.4% to the one month LIBOR. The rate will not increase more than once per month. Earnest rate ranges are current as of December 13, 2019 and are subject to change based on market conditions and borrower eligibility.
2Autopay 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 12/13/19. 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.
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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.
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