About Us

We believe financially responsible people deserve something better. That is why we strive to eliminate unnecessary costs from the system and offer our clients the lowest possible rates.

Why We Started Earnest

We are a team of math and computer nerds who love to use technology, not only to save you money, but to find different and better ways to do lending. We believe the purpose of all banks and lenders is to help their clients realize their hopes and dreams, but we are fed up with a financial system that has forgotten this primary purpose. We started Earnest to bring back the trust that is so sorely missing from the current financial system and to build a modern financial institution that actually delivers on the goal of making our clients’ lives better.

Whatever your dream, we help get you there. We do simple, low-cost lending to financially responsible people, and we allow them to customize their repayment experience to make it easier to pay us back. These loans are not for the most wealthy people. These are loans for great people. We want to help our clients start their lives, put them in control of their finances, realize their aspirations, and create a relationship with them that lasts a lifetime.

Who We Are

We are a skilled team of design, math, finance, and technology geeks who think differently about trust within the financial system and decided to do something about it. We started Earnest to build a finance company that combines rich data analytics, simple, functional design, and elegant software to bring people a fast, low-cost, and hyper-personalized experience. Our mission is to greatly enhance people’s lives by lowering the high costs and barriers to credit faced by millions of financially responsible people.

Louis Beryl

CEO and Co-Founder

Benjamin Hutchinson

COO and Co-Founder

Brian Romanko


Richard Yang


Beth Stevens

General Counsel

Kimberly Maher

Head of People Ops

Austen Head

Founding Data Scientist

Daniel Demetri

Product Manager

Jason James

Product Designer

Alan Cooper

Head of Communications

Alex Lockwood

Software Engineer

Binh Nguyen

Software Engineer

Byron Callan

Software Engineer

Connie Chang

Software Engineer

Craig Battin

Performance Marketer

Dan Sheinis

Data Engineer

David Green

Credit Officer

Erin Kavanaugh

Client Happiness

Evan Madow

Software Engineer

Hala Baig

Client Happiness

Hannah Swann


John Davidson

Credit Officer

Julia Finn


Justin Ryan

Systems Engineer

Kai Hofius

Software Engineer

Kevin Wang

Credit Officer

Matt Schmidt

Data Engineer

Megan Christian

Internal Happiness

Neeta Bidwai


Patrick Stanley


Paul Williams

Head of Capital Markets

Ryan Kennedy

Credit Officer

Ryan Pon

Software Engineer

Sahra Santosha

Lead Happiness Engineer

Scott Tsuchiyama

Software Engineer

Scott Turnquest

Software Engineer

Sherise Saavedra

Internal Happiness

Shirley Huang

Client Happiness

Taya Dahl

Credit Officer

YuJay Huoh

Data Scientist

Our Investors

We are lucky enough to have the confidence of some of the best investors in the world including industry leading venture capital firms and a small group of visionary angels.