Earnest is a technology-lender that brings low-interest loans to high-potential people.
San Francisco, California, United States
Earnest was founded in 2013 on the belief that getting a loan shouldn’t be so difficult for financially responsible people. We are bringing back the trust that was previously lost in financial systems. We look beyond a credit score, instead of analyzing a person's full education, employment, and financial profile to reward financially responsible people with better rates than traditional lenders.

For recent college graduates, repaying student loans can be a stressful financial burden as you embark on your career. This is why Earnest offers student loan refinancing with low-interest rates and zero fees. Refinancing your student loans with Earnest gives you the option to choose a repayment plan that fits your budget and the option to choose between a variable or fixed interest rates. We also offer extras like the ability to skip a payment, change your payment amount and date, and the ability to repay your loan faster without penalties.

Navigating loans to pay for school can be a long and confusing process. This outdated process inspired us to create a new private student loan product, with new tools to simplify every step of the application and approval process. Led with technology, data, and design to engineer a more human application experience, Earnest’s private student loans incorporate an innovative eligibility check, cosigner invite, ability to customize your loan, and a 9-month grace period. We have no fees and offer flexible repayment options and extras like skip a payment.
Why Work With Us
We believe many financially responsible people aren’t getting the credit they deserve. That’s why we strive to look more comprehensively at your financial profile, and offer the low rates and high-quality service you’ve earned.
Tech Stack
Application & Data
Amazon CloudFront
Twilio SendGrid
New Relic
Business Tools
G Suite
Earnest's culture is as dynamic as the products we're building and defining every day. We're a fast-growing company, and that means we're constantly integrating the new perspectives of every individual.
For employees, Earnest’s culture is as dynamic as the products we are building and defining every day. Earnest offers great perks including a generous paid time off policy, catered meals, annual flight to anywhere in the world with a buddy (up to $1,000), and more.
Founding Team

Mike Rasic

I have a proven track history as a financial executive and advisor to senior executives and boards for global organizations. My background includes demonstrated success as a member of senior management teams, providing financial information required for making strategic decisions, establishing, scaling and right-sizing infrastructure, leading financial and accounting functions and investor/lender relations.


Susan Ehrlich

I am a high-energy senior finanical services executive with a track record of accelerating growth and executing strategic turnarounds across a diverse range of businesses in payments, retail, banking, and financial technology. I have led the development of innovative payment solutions with profitable bottom line results in fin tech (Amazon, Lending Club, Simple), retail (H&R Block, Sears) and banking (Providian, Chase, Citi). I have hands-on experience operating in fast-paced organizations--building teams, setting strategy and priorities, driving execution and growing enterprise value. My focus is on making a difference for my customers, my team and my company. I find value in work that helps expand financial options for people to enhance their quality of life. As a recognized leader in the financial services industry, I am often interviewed by the media and have been featured in print and on TV. I was selected one of the Top 25 Women in Finance by U.S. Banker for three years in a row (2009-2011). I serve on the Boards of two organizations and the advisory boards of several others.


Pamela Rice

I am a dynamic, business-centric technology executive who drives start-ups to Fortune 100 corporations to strategically position themselves for successful growth, leveraging emerging technologies and best practices to stay competitive and relevant. My deep expertise is in strategy, payments, blockchain, cyber, emerging technology, innovation and scaling product and technology while also driving appropriate risk management. I’m an innovative strategic planner, utilizing both macro-views and micro-trends to create vision and story for unified goals. By fostering strong partnerships, I empower teams to drive for excellence, and I have a strong focus on emerging technologies and inclusive cultures.