Welcome to the Earnest app! Manage your Earnest account on the go with our mobile dashboard, adjust your payment schedule, change your autopay amount, or make an extra payment. It’s also easy to refer friends by text or email—when they refinance a student loan, both of you will get a referral credit!

Earnest is a technology lender that provides student loan refinancing, personal loans, and mortgages. Earnest evaluates thousands of data points and looks beyond just a credit score so they can offer the lowest rates to financially responsible people. We strive every day to provide our clients with superior products and unrivaled service.

Get to know us on our socials!

What's New

Version 1.10.2

Fixes a login bug with accounts with certain loan types.

Ratings and Reviews

4.1 out of 5

56 Ratings

56 Ratings

Good app, good company


Earnest has been a solid company for me since I’ve refinanced my student loans. The website UI is great and it’s simple to see scheduled and past payments. One of my gripes is that in the app, under the scheduled payments, you can’t actually see what your balance will be at that point in time. On the website it has the balance listed along with the scheduled payment, making it easy to gauge how an extra payment might effect your future balance.

Please update the app to also include the balances under the scheduled payments tab similar to how it is on the web UI.

Good but room for improvement


So far I’ve been using it for six months and haven’t had much of any issues of the app. It’s kept simple which makes it user friendly and doesn’t hide things.

I still think it can be better.

1. Allow for a weekly payment option. When I was with Navient they had that option. Yes there is the “extra payment” option but is a nuisance to do.

2. Send your information to ALL 3 CREDIT BUREAUS. I asked Earnest about this and thy only send to Experian. For the other two to get the information is for you to contact them and request it from Experian or back to Earnest for it. How is this fair to the borrower to do this. It’s a pain to do this. Is this even legal as well? I can’t imagine this sitting well with regulatory entities especially when it can run against Reg-B or truth in lending. It probably can cause variances on credit reports as well.

Please address these so you can make this better.

So happy I refi’d!


The confusion of managing 4 separate accounts with 4 different rates with the original lender was crazy. Earnest combined all 4 into one loan with a lower rate and was able to shorten my term which over the life of the loan translated to $17k savings. I am so appreciative of their team for making this process straightforward from start to finish. I applied using my phone and the process was completed within days. The app could not be cleaner or easier.


Earnest Inc.
42.5 MB
Requires iOS 8.2 or later. Compatible with iPhone, iPad, and iPod touch.
Age Rating
Rated 4+
© Earnest LLC.


  • Family Sharing

    With Family Sharing set up, up to six family members can use this app.

You May Also Like