4.49%–16.85% APR (variable or fixed)· #1
Check Your Rate →Earnest Operations LLC
Earnest
Precision pricing that rewards responsible borrowers
Earnest's precision pricing model and borrower-friendly features — including the ability to skip one payment per year — make it the top private lender for responsible borrowers. Their highly customizable repayment terms let you calibrate exactly to your post-graduation budget.
✓ Pros
- Skip one payment per year with no penalty — unique among lenders
- Highly customizable repayment terms from 5 to 20 years
- Precision pricing uses full financial picture, not just credit score
✕ Cons
- Not available in Nevada or Nevada residents
- No cosigner release option
Scores
Overall
9.3
Safety
9.2
Value
9.1
Ease
9.4
Quality
9.3
Specifications
apr Range4.49%–16.85%
loan Amounts$1,000–$250,000
repayment Terms5–20 years
cosigner Releasefalse
payment Skiptrue