Earnest Student Loan Refinance Review 2026: Rates, Pros, Cons, and Who Qualifies - LoanKey

Earnest is a leading student loan refinancing lender with over $24 billion in refinanced debt and more than 420,000 borrowers.

Earnest Student Loan Refinance Review 2026: Rates, Pros, Cons, and Who Qualifies - LoanKey

Earnest is a leading student loan refinancing lender with over $24 billion in refinanced debt and more than 420,000 borrowers. Its most distinguishing features are 180 customizable loan terms, a precision pricing tool that lets you set your exact monthly payment, and an underwriting model that looks beyond credit score to factors like savings habits, employment stability, and account balances. Fixed refinance rates start at 4.09 percent APR (including the 0.25 percent autopay discount) and loan amounts range from $5,000 to $550,000. This review covers everything US borrowers need to know before applying in 2026. Earnest at a Glance Detail Earnest (2026) Fixed APR Range 4.09% to 9.99% (includes 0.25% autopay discount) Variable APR Range 5.72% to 9.99% (varies by state; not available in AK, IL, MN, MS, NH, OH, TN, TX) Loan Terms 5 to 20 years (up to 180 custom term options) Loan Amounts $5,000 to $550,000 ($10,000 min in CA and NM) Min. F

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