FinTech | Acquired by Navient in 2017
Earnest offers student loan refi and personal loans to financially responsible graduating students, young professionals, and self-employed business owners (e.g.: doctors, lawyers, dentists, veterinarians, entrepreneurs, etc.) based on merit. Earnest is able to offer market leading interest rates by using its cutting-edge underwriting technology that looks beyond the outdated credit scoring process and includes a person’s future potential, based on factors such as education, employment history, business success and overall financial picture and assets. Earnest provides a very high level of personal service and accountability, servicing their loans for the entirety of the loan life, creating a long-term trusted relationship with its customers, as it strives to build the next-generation digital bank.