Earnest Student Loan Refinance
Earnest
4.5
4.96%–9.99% APR$5,000–$500,000Fee: NoneMin credit: 650+
APR Range
4.96%–9.99%
Loan Amount
$5,000–$500,000
Term
60–240 mo
Origination Fee
None
Our take
Earnest offers precision pricing that tailors your rate to your exact financial profile. Notably low maximum APR of 9.99%.
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Full details
| Minimum loan amount | $5,000 |
| Maximum loan amount | $500,000 |
| Lowest APR | 4.96% |
| Highest APR | 9.99% |
| Shortest term | 60 months |
| Longest term | 240 months |
| Origination fee | None |
| Minimum credit score | 650+ |
| Funding speed | 2–3 weeks |
Frequently asked questions
What is the APR range for Earnest Student Loan Refinance?
Earnest Student Loan Refinance offers APR from 4.96% to 9.99%. Your actual rate depends on creditworthiness, loan amount, and term length.
How much can I borrow with Earnest Student Loan Refinance?
Loan amounts range from $5,000 to $500,000. The amount you qualify for depends on your income, credit score, and existing debt.
What credit score do I need for Earnest Student Loan Refinance?
A minimum credit score of 650 is typically required. However, meeting the minimum doesn't guarantee approval — lenders also consider income, debt-to-income ratio, and employment history.
Does Earnest Student Loan Refinance charge an origination fee?
No, Earnest Student Loan Refinance does not charge an origination fee, which means 100% of your approved loan amount is disbursed to you.
How fast can I get funded with Earnest Student Loan Refinance?
Earnest Student Loan Refinance typically funds loans within 2–3 weeks. Actual funding time may vary based on verification requirements and your bank.
Is Earnest Student Loan Refinance worth it?
Earnest offers precision pricing that tailors your rate to your exact financial profile. Notably low maximum APR of 9.99%.
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Verified Apr 2026
Earnest Student Loan Refinance