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.