Refinance your student loans. Check out today’s rates.

Earnest Disclosures

Student Loan Refinancing

Earnest fixed rate loan rates range from 3.19% APR (with Auto Pay) to 5.99% APR (with Auto Pay). Variable rate loan rates range from 1.99% APR (with Auto Pay) to 5.99% APR (with Auto Pay). The starting interest rate you pay will be determined after you apply. It will be based on your credit history and other factors. If approved, we will notify you of the rate you qualify for within the stated range. For fixed rate loans, upon approval, your interest will never change during the life of your loan. For variable interest rate, your variable interest rate is based on a publicly available index, the one-month London Interbank Offered Rate (LIBOR) published in the The Wall Street Journal on the twenty-fifth day, or the next business day, of the preceding calendar month. Your rate will be calculated each month by adding a margin between 2.06% And 6.30% to the one-month LIBOR. The rate will not increase more than once per month. The maximum rate for your loan is 8.95% if your loan term is 10 years or less. For loan terms of more than 10 years 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%. Clients must reside in the District of Columbia or one of the 48 states we lend in (all but Kentucky and Nevada). Please note, we are not able to offer variable rate loans in AK, IL, MN, NH, OH, TN, and TX.

Autopay Discount Disclosure

You can take advantage of the Auto Pay interest rate reduction by setting up and maintaining active and automatic ACH withdrawal of your loan payment. The interest rate reduction for Auto Pay will be available only while your loan is enrolled in Auto Pay. Interest rate incentives for utilizing Auto Pay may not be combined with certain private student loan repayment programs that also offer an interest rate reduction. For multi-party loans, only one party may enroll in Auto Pay.


Lender Identification

Earnest Loans are made by Earnest Operations LLC or One American Bank, Member FDIC. Earnest Operations LLC, NMLS #1204917. 535 Mission St., Suite 1663, San Francisco, CA 94105. California Financing Law License 6054788. Visit for a full list of licensed states.


One American Bank, 515 S. Minnesota Ave, Sioux Falls, SD 57104. Earnest loans are serviced by Earnest Operations LLC with support from Navient Solutions LLC (NMLS #212430). One American Bank and Earnest LLC and its subsidiaries are not sponsored by or agencies of the United States of America.

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