E
Earnest
Fintech · San Francisco, United States · Founded 2013
A financial technology company specialising in consumer lending MoreLess
Earnest is a financial technology company specializing in providing low-interest student loan refinancing, private student loans, and personal loans. The company serves financially responsible individuals seeking to manage their educational and personal debt more effectively. Operating primarily in the U.S. market, Earnest leverages sophisticated data analysis and underwriting software to offer competitive rates tailored to each client's unique financial profile. The business model revolves around offering loans with flexible repayment plans, allowing clients to choose terms that best fit their financial situation. Earnest generates revenue through the interest paid on the loans it issues. The company is headquartered in San Francisco, California, and aims to remain highly competitive by continuously adjusting its rates in response to market conditions.
Keywords: student loan refinancing, private student loans, personal loans, low-interest rates, data-driven underwriting, flexible repayment, financial technology, U.S. market, competitive rates, financial responsibility.
Company overview
Earnest company information
The essential company record, classifications and operating signals in one place.
- Status
- Acquired
- Founded
- 2013
- Headquarters
- San Francisco, United States
- Employees
- 371
- Open positions
- None listed
- Dealroom signal
- 60.6
Valuation & funding
Earnest funding history
Company financing events and reported valuations.
| Deal type | Date | Amount | Valuation | Investors | Source |
|---|---|---|---|---|---|
| ACQUISITIONOther financing | Oct 2017 | $155M | $155M | Navient Corporation | ↗ |
| SERIES COther financing | Mar 2017 | $20M | $80M | Maveron · Accomplice | — |
| LATE VCOther financing | Jan 2016 | $0 | — | Accomplice · FinSight Ventures | — |
| LENDING CAPITALOther financing | Nov 2015 | $200M | — | Adams Street Partners · Maveron · Battery Ventures · New York Life Investment Management | ↗ |
| SERIES BOther financing | Nov 2015 | $75M | $300M | Jose Marin · Black River Ventures · Ignacio Vilela · New York Life | — |
| SERIES AOther financing | Jan 2015 | Adams Street Partners · Andreessen Horowitz · Collaborative Fund · Accomplice | ↗ | ||
| LATE VCOther financing | May 2014 | Andreessen Horowitz · First Round Capital · Slow Ventures · Lee Linden | — | ||
| EARLY VCOther financing | Sep 2013 | Undisclosed | — |
Growth signals
Earnest website traffic
Latest recorded traffic for Earnest is 240 monthly website visits, down 50% over the last three months. Earnest's team grew 36.9% over the past year.
Comparisons
Earnest compared with similar companies
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Talent graph
Earnest's talent
Source: Dealroom Talent Intelligence.
Global footprint
Where Earnest has talent and traffic
team presence
In the news
Latest news about Earnest
Recent press, funding announcements, and product moves mentioning Earnest — open to read from the original sources.
Market sentiment
What the market is saying about Earnest
An AI-synthesized read of the highest-engagement posts about Earnest on X over the past 7 days. We rank by likes & retweets, ignore corporate channels, and surface the themes that broke out from real people.
Reading the room on X — pulling top posts and synthesizing themes…
Source: X recent search ranked by engagement (likes + retweets) · Synthesis by Claude · Cached for 1 hour
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