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.

Alan Cooper

Marketing

Alex Lockwood

Engineering

Benjamin Hutchinson

Operations

Beth Stevens

Legal

Binh Nguyen

Engineering

Brandon Humpert

Data

Brian Romanko

Engineering & Data

Byron Callan

Engineering

Colleen McCarty

People

Connie Chang

Engineering

Craig Battin

Marketing

Dan Sheinis

Data

Dana Rosenberg

Partnerships

Daniel Demetri

Product Management

David Eade

Credit

David Green

Credit

Elyse Lefebvre

Product Management

Ericka Reguerin

Operations

Erin Kavanaugh

Client Happiness

Eugene Shin

People

Evan Madow

Engineering

Gene Chernenko

Engineering

Hala Baig

Client Happiness

Hannah Swann

Design

Jenny Twomey

Client Happiness

Jason James

Design

John Davidson

Credit

Julia Finn

Legal

Kai Hofius

Engineering

Keith Walewski

Credit

Kevin Wang

Credit

Kimberly Maher

People

Lee Fastenau

Engineering

Louis Beryl

CEO

Meaghan Lewis

Engineering

Megan Christian

People

Melissa Doerken

Product Management

Nimmi Deol

Finance

Olivia Kendall

Client Happiness

Patrick Augustin

Credit

Patrick Stanley

Partnerships

Paul Williams

Capital Markets

Petr Odehnal

Engineering

Philip Hwang

Engineering

Richard Yang

Credit

Ryan Bender

Client Happiness

Ryan Pon

Engineering

Sahra Santosha

Client Happiness

Sam Ezadmanesh

Credit

Sarah Israel

Marketing

Scott Tsuchiyama

Engineering

Sean Cervera

People

Scott Turnquest

Engineering

Shirley Huang

Client Happiness

Sierra Eschrich

People

Tarik Covington

Credit

Taya Dahl

Credit

Ying Li

Data

YuJay Huoh

Data

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.