Earnest Disclosures

Student Loan Refinancing

Earnest fixed rate loan rates range from 3.13% APR (with Auto Pay) to 6.48% APR (with Auto Pay). Variable rate loan rates range from 1.99% APR (with Auto Pay) to 6.48% 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 rate loans, although the interest rate will vary after you are approved, the interest rate will never exceed 8.95% for loan terms 10 years or less. For loan terms of 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% (the maximum rates for these loans). The variable rate is based upon 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.

Personal Loans

Earnest does not lend personal loans in the following states: KY, AL, NV, DE and RI. In South Carolina, the minimum loan amount is $7,500 and the maximum loan amount is $50,000. In New Mexico and Ohio, the minimum loan amount is $5,000 and the maximum loan amount is $50,000.

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