Earnest Inc.

2.4 · 18 reviews
T
TC FL
Reviews 1
2020-12-08 18:32

Be careful about applying for a student refi or an...

Be careful about applying for a student refi or any of that sort if you are enrolled or taking any type of classes. Their policy is that they will decline your application for that sole reason.

As a masters graduate working full time for a Fortune 100, I had signed up for graduate certificate (HB...

Read full review

L
Leigh Schmahl
Reviews 1
2020-10-24 02:33

This company advertises that they do a merit-based...

This company advertises that they do a merit-based review process when you are applying for a loan, but in the end they are just like every other finance company. The only thing they really look at is your credit and they will put one thing in their reasoning of denial, but then when you have them ...

Read full review

G
Greg K-F
Reviews 1
2020-10-17 22:15

I have been using them for the past six months. T...

I have been using them for the past six months. The initial application and approval process is pretty painless. They appear to lack knowledge on the basics of student loans. My wife and i had consolidated a few years ago and they struggled to understand what a consolidated loan was or how to han...

Read full review

G
Ganzfried Family
Reviews 1
2020-09-17 23:35

I wish there was lower than a 1 star rating. This...

I wish there was lower than a 1 star rating. This company uses bait and switch with their rates. During the application process I was told that I qualified for their lowest rate. They kept asking for more information, even information I had already provided. 3 times (on my original response to t...

Read full review

S
Sean Markley
Reviews 1
2020-09-09 10:27

Pros: Easy to apply

Pros: Easy to apply

Cons: Misleading requirements for qualification. Customer Service leaves a lot to be desired.

Overall, you're better refinancing with a local credit union or another provider. After applying, I realized that Navient owns this business. 'Nuff said.

Read full review

J
Jr boulding
Reviews 1
2020-05-19 18:36

Do not waste your time and risk your credit score ...

Do not waste your time and risk your credit score with this company. Once you complete the application online, they bait you with a reasonable interest rate after you give them permission to do a soft inquiry on your credit report only to keep you moving forward with the process. After I gave permis...

Read full review

A
Aaron Philips
Reviews 1
2020-05-10 16:52

Choose wisely. I was able to get a lower rate tha...

Choose wisely. I was able to get a lower rate than my previous federal student loan. However, Earnest's customer service is essentially non-existent. Also, Earnest's app on the App Store has not worked at all for several months now. For a company that supposedly touts its embracing of technology...

Read full review

S
Sina TABESH
Reviews 1
2020-05-01 20:00

Don t fall for their lies. They pretend to be diff...

Don t fall for their lies. They pretend to be different but they are worse than others in the market, because they are LIARS! Biggest scammers and nastiest phonies ever. They trick people to provide them with all their sensitive information and they pretend to consider different factors to weight ap...

Read full review

R
Ryan P
Reviews 1
2020-04-28 12:39

Disappointing. They got bought by Navient and went...

Disappointing. They got bought by Navient and went downhill. Used to be great all around. Now, new rules are coming out. You used to be able to login and change your autopay date, or make biweekly payments. Now, they say you can only choose autopay from 3rd to 22nd of the month. And they say this is...

Read full review

B
Bryant Forster
Reviews 1
2020-03-28 18:46

DO NOT, I REPEAT, DO NOT go with this company. Fee...

DO NOT, I REPEAT, DO NOT go with this company. Feels like an absolute scam. After applying and being approved for a loan I ended up wanting to increase the loan amount. They wont do it you have to reapply. The company rep told my cosigner not to submit tax returns but to submit an income stub which ...

Read full review

P
Phil
Reviews 1
2020-03-25 13:44

I refinanced a student loan with Earnest and it's ...

I refinanced a student loan with Earnest and it's been a good experience. They were able to offer a lower interest rate, shorter payment term, and comparable payment terms to my previous student loan. Their customer service team have done a good job of handling any concerns I have when I chat onl...

Read full review

View all reviews on Trustburn