| Earnest isn't a traditional lender. Instead of credit scores, they consider your entire financial profile — including education, career trajectory and spending habits — when calculating rates. By focusing on future earning potential instead of current status, Earnest is especially good for those with limited credit histories and new careers. Their proprietary algorithms tailor rates to match your budget by offering 180 different term lengths instead of the standard 5/10/15/20 year terms. Earnest is also big on flexibility. You can schedule biweekly payments, manage everything from their app and even skip one payment annually. Clients who've refinanced with Earnest save $21,810 on average in reduced interest over the life of the loan. If you're looking for a smart, stable, non-soul-crushing loan option, we recommend Earnest. Get your rate estimate in just 2 minutes. (Don't worry, it won't affect your credit score.) | 
