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

Austen Head

Data

Benjamin Hutchinson

Operations

Beth Stevens

Legal

Binh Nguyen

Engineering

Brian Romanko

Engineering & Data

Byron Callan

Engineering

Connie Chang

Engineering

Craig Battin

Marketing

Dan Sheinis

Data

Daniel Demetri

Product Management

David Green

Risk

Erin Kavanaugh

Client Happiness

Evan Madow

Engineering

Hala Baig

Client Happiness

Hannah Swann

Design

Jason James

Design

John Davidson

Risk

Julia Finn

Legal

Kai Hofius

Engineering

Kevin Wang

Risk

Kimberly Maher

People

Louis Beryl

CEO

Megan Christian

Operations

Neeta Bidwai

Partnerships

Patrick Stanley

Partnerships

Paul Williams

Finance

Richard Yang

Risk

Ryan Kennedy

Risk

Ryan Pon

Engineering

Sahra Santosha

Client Happiness

Scott Tsuchiyama

Engineering

Scott Turnquest

Engineering

Sherise Saavedra

People

Shirley Huang

Client Happiness

Taya Dahl

Risk

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.