Earnest is a merit-based lender with a unique approach to personal lending and credit. The company considers a number of factors during its rigorous underwriting process, including not only an applicant’s credit history, but also their financial history, educational background, and professional achievements. Earnest uses this proprietary underwriting model to provide financially responsible people with loans at very low interest rates. Earnest does not charge origination fees, prepayment fees, or late fees. Earnest currently lends in sixteen states and offers one, two, or three-year loans for up to $30,000 starting at 4.25% APR. Earnest loans can be used for a variety of purposes, including relocation expenses, wedding costs, and travel.
Company Growth (employees)
Type
Private
HQ
San Francisco, US
Founded
2013
Size (employees)
188 (est)
Earnest was founded in 2013 and is headquartered in San Francisco, US

Key People at Earnest

Louis Beryl

Louis Beryl

CEO & Cofounder
Brian Romanko

Brian Romanko

CTO
Benjamin Hutchinson

Benjamin Hutchinson

COO & Co-Founder
Alex Lockwood

Alex Lockwood

Software Engineer
Paul Williams

Paul Williams

Head of Capital Markets
Daniel Demetri

Daniel Demetri

Product Lead
Hannah Swann

Hannah Swann

Product & Visual Design
Erin Kavanaugh

Erin Kavanaugh

Client Happiness
Brandon Humpert

Brandon Humpert

Data Platform Engineer
Melissa Doerken

Melissa Doerken

Program Manager

Earnest Office Locations

Earnest has office in San Francisco
San Francisco, US

Earnest Metrics

Earnest Summary

We estimate that Earnest's latest funding round in November 2015 was $75 m. In total, Earnest has raised $299.1 m

Earnest Job Categories

Earnest Online Presence

Earnest News

Earnest Company Life

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