Headquartered in San Francisco, California, Earnest is working on their mission to make higher education accessible and affordable for everyone. Earnest is a collective of engineers, financial professionals, designers, and storytellers. Their leaders are experts in technology and passionate about changing student lending, one loan at a time. Earnest was founded in 2013 on the belief that getting a loan shouldn’t be so difficult for financially responsible people. They are bringing back the trust that was previously lost in financial systems. They 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. Their Products: Personal Loans - Find a low interest personal loan for you, brought to you by their partner Fiona; Student Loan Refinancing - Get one simple payment that fits your budget. Variable rates start at 1.88% APR with Auto Pay; Private Student Loans - Apply on your phone, get set for next semester. Variable rates start at 0.99% APR with Auto Pay.