Earnest Private student loan application: how to apply now!

It's not easy to finish your studies, and financial help can come at the right time. Find out how the Earnest Private student loan application works and look for your future.


by Sabrina Paes

Published on 09/11/2022

Application for the Earnest Private student loan: Easy Application Process!

Earnest Logo
Learn about the Earnest Private student loan application! Source: Earnest

Only those who study know how important financial aid can be in their studies. Earnest Private Student has a lot to offer you, but it’s important to learn about the Earnest Private student loan application. So, read on!


Student Loan


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To apply, you need a minimum credit score of 650, and it is not possible to add co-signers. Check out more details about this loan.

Apply online

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Find out how to apply for this loan! Source: Unsplash

Before starting your application, you can check your qualification and see if you are eligible through the website.

If so, you can now apply. The site requests Permanent Address School information and expected graduation date.

In addition, you need to inform them how much you want to borrow and provide employment and income information. By filling in this data, your chances increase.


Those eligible to apply are those with a credit score greater than 650. In addition, they must be regularly enrolled in an institution of higher education.

Apply on the app 

You can download the app to manage your loan options. However, you’ll need to go to the official website to complete the loan application process.

Earnest Private student loan vs. Sallie Mae student loan: which is the best for you?

A student loan can help you get the degree you’ve been dreaming of. The Earnest Private Student Loan has great qualifications, like a low APR.

However, the Sallie Mae Student Loan can also be an option. However, it has higher APR rates and does not indicate a minimum credit score. Check out the comparison.

Earnest Private student loanSallie Mae student loan
APRFixed APR rate starts at 3.22% and includes a 0.25% Auto Pay discount

Variable APR rate starts at 2.55% and includes a 0.25% Auto Pay discount
Career Training Student Loans:

3.25% to 13.97% variable APR
3.75% to 14.08% fixed APR

For undergraduate students:

3.25% to 13.59% variable APR
3.75% to 13.72% fixed APR

Rates for graduate student loans vary depending on the loan
Loan PurposePrivate Student Loans such as Undergraduate, Graduate, MBA, Medical, Law, and othersFunding for undergraduate, graduate, or technical career courses
Loan Amounts$5,000 minimum $1,000 minimum and up to 100% of the school-certified cost of attendance
Credit NeededGood scoreDoes not disclose
Origination FeeN/ANone
Late FeeN/AN/A
Early Payoff PenaltyN/AN/A

If you like the Sallie Mae student loans’ features, check out our post below to learn all about the application process!

Sallie Mae logo

Sallie Mae student loan application

Completing your studies is not an easy task, is it? But with the Sallie Mae student loan you can have peace of mind. Read to learn how to apply for Sallie Mae!

About the author

Sabrina Paes

Content Writer, Copywriter, and Ghostwriter. Content marketing professional with 5 years of experience. Specialist in investment, finance, and technology niche. MBA in Marketing at the University of São Paulo, Brazil. Content Writer by Rock Content, and University of California (UCDAVIS).

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