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Rating by Finanso®

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Earnest's coupons


Active promotions and promo codes Earnest

Without discount
$200 Bonus When You Sign Up Refinance Your Student Loans
86d 4h
812 used
Without discount
$200 Bonus When You Refinance Student Loan
86d 4h
0 used
Without discount
$200 Bonus When You Refinance Student Loan
86d 4h
0 used

On a regular basis, Earnest offers its clients to get loans on favorable terms in the United States 🇺🇸. There are several bonus programs:

  • for new customers;
  • for permanent borrowers;
  • special offers.

Earnest promotions allow new customers to obtain their first loans for a short time period at a low interest rate. Free payday loan offers are frequently announced, which means you can repay the loan in the same amount as received under the agreement. It needs to be returned in a timely manner, without violating the terms of the campaign, otherwise the benefit will be canceled and the standard interest will take effect. Typically, clients who take out a loan for 10 -20 days can save money.

Regular borrowers can get a discount on a loan or bonus rubles to their account during the term of a promotion. They can pay part of the interest or the payday loan amount with bonus money.

Special offers are limited-time promotions for birthday people, entrepreneurs, retirees, students and other types of customers. Depending on bonus programs, customers can get a discount on a loan or more favorable conditions for its repayment.

Taking part in the promotions of Earnest is beneficial, as this is a real saving and an opportunity to conclude an agreement on more favorable individual terms!

Calculate loan payments in Earnest

Earnest calculator will allow you to calculate an approximate payment schedule for the loan

Loan amount

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Loan term

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What to focus on before applying for a loan with Earnest

To ensure the lender is legitimate, check if it meets the following criteria:

How do you know if a loan company is registered?

The lending company is registered with the US Securities and Exchange Commission (SEC) and has a tax identification number (EIN). Note that tribal lending companies operate under the jurisdiction of tribal laws, and they don't have to register with the SEC. But still, tribes must act under federal consumer protection laws enforced by the Consumer Financial Protection Bureau (CFPB) and Federal Trade Commission (FTC).

According to the FTC requirement, the lending company is registered in your state, excluding tribal lenders abiding by tribal and federal laws only. That is why tribal lending companies can charge interest rates exceeding your state's maximum.

Finally, the State Attorney General can verify the registration of the lending company if you need additional proof of whether it is legitimate.

If a US lending company scams you, please report to local law enforcement, your state attorney general, CFPB, or FTC.

Finanso® also recommends

Learn the total cost of a loan, including:

It will be best to read a loan agreement carefully before signing it. If any part of the agreement seems incomprehensible, do not hesitate to ask the lender about particulars.

Remember that you don’t have to make an immediate decision when considering getting a loan. However, you must be sure that you are ready to repay following your loan documents. If the lender’s terms and conditions are uncomfortable for you, you are free to search for another proposal, as there are about 780 lending companies in the US.

What’s the difference between Earnest and a bank?

  1. You need to have a good credit history to qualify for a credit card with a bank. In contrast, even bad credit history debtors can borrow money from US lenders with personal or payday loans. 
  2. Interest rates and annual percentage rate for a loan with an online lending company are significantly higher than with a credit card released by a bank.
  3. Applying for an online loan with a lending company doesn’t require paperwork or even visiting their office. Instead, a borrower can apply entirely online and receive money via direct deposit on the next business day.
  4. The online lending business is high-risk for investors, and their capital is not protected from unfair borrowers.
  5. A loan with legitimate loan companies for bad credit is a simple but expensive form of borrowing to resolve financial hardship.
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