We're reimagining consumer banking, starting with an algorithm that looks beyond credit scores & a online borrowing experience that offers clients radical flexibility & ultra-low rates.
We believe the purpose of all banks and lenders is to help their clients realize their hopes and dreams, but we are fed up with a financial system that has forgotten this primary purpose. We started Earnest to bring back the trust that is so sorely missing from the current financial system and to build a modern financial institution that delivers on the goal of making our clients’ lives better.
We are a skilled team of math, finance, design, and technology geeks who think differently about trust within the financial system and decided to do something about it. We started Earnest to build a finance company that combines rich data analytics, simple, functional design, and elegant software to bring the world a fast, low-cost, and hyper-personalized experience. Our mission is to build the modern bank for the next generation to enable better futures using data, honesty, personalization, technology, and trust.