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Earnest Referral Code 2025

Earnest Referral Code – Get a $200+ Bonus for Refinancing Student Loans If you’re looking for a trusted and rewarding way to refinance your student loans, then this Earnest referral code is exactly what you need. Earnest not only offers competitive rates and borrower-friendly perks, but they’re currently giving at least $200 as a cash bonus when you refinance using a referral link or code. 👉 Use this referral link to get the bonus: https://www.earnest.com/invite/8muzg Or enter referral code: 8muzg  during your application to claim your bonus. Why Use an Earnest Referral Code? When you refinance through the link above or by entering the Earnest referral code "scott4488" , you’ll qualify for a minimum $200 bonus —sometimes more, depending on the current promotion. That’s money directly in your pocket after you complete the refinancing process. But the cash bonus is just the beginning. Here’s why Earnest continues to rank as a top student loan refinancing option: B...
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Earnest Student Loan Refinancing Review (Referral Code Inside)

Earnest Student Loan Refinance Code

If you’re looking to lower your student loan payments or interest rate, Earnest is one of the top lenders to consider. As an online lender, Earnest offers both in-school loans and refinancing options. Since its launch, the company has refinanced more than $23.5 billion in student loans for over 290,000 borrowers.

This Earnest refinancing review covers everything you need to know — including rates, requirements, pros and cons, and special features that make Earnest different from other lenders.

👉 Don’t forget: you can save even more with an Earnest referral code. Use this Earnest student loan refinance code to check your personalized rate.



Quick Facts About Earnest Student Loan Refinancing

  • Best for: Borrowers with fair credit

  • Minimum Credit Score: 665

  • Fixed APR: 4.35% – 9.99%

  • Variable APR: 5.88% – 9.99%

  • Loan Amounts: $5,000 – $550,000

  • Terms Available: 5, 7, 10, 15, or 20 years

Why Borrowers Choose Earnest

Unlike many lenders that focus only on credit scores and income, Earnest takes a big-picture approach to underwriting. While you’ll need a credit score of at least 665 to qualify, Earnest also looks at financial habits — including on-time rent or mortgage payments and whether you’ve built an emergency savings cushion.

That flexibility makes Earnest a great option for borrowers who may not have perfect credit but are financially responsible.

Pros and Cons of Refinancing with Earnest

Pros

  • Low minimum credit score requirement (665)

  • Ability to set your monthly payment amount

  • Skip-a-payment option once every 12 months

  • No origination, late, or prepayment fees

  • 0.25% autopay interest rate discount

Cons

  • Parent PLUS loans cannot be refinanced into the student’s name

  • Not available in Nevada or Mississippi

  • Variable rates unavailable in certain states

Eligibility Requirements

To qualify for an Earnest refinance loan, you must:

  • Be a U.S. citizen or eligible noncitizen who has graduated, is in your final semester, or is less than half-time enrolled with loans already in repayment

  • Live in an eligible state (Earnest is not available in Nevada or Mississippi)

  • Be at least the age of majority in your state

  • Have a FICO score of 665 or higher and a steady income

  • Be current on student loan and housing payments, with no bankruptcies or recent collections

  • Refinance only loans in your name (primary borrower or cosigner) issued by a U.S. lender

  • Not be seeking new student loans or currently in default on an Earnest loan

Borrowing Limits

  • Minimum refinance amount:

    • $10,000 in California

    • $10,001 in New Mexico

    • $5,000 in all other states

  • Maximum refinance amount: Up to $550,000, provided the loans were used for a Title IV-accredited school

Repayment Options

Earnest allows borrowers to select a repayment term between 5 and 20 years. Approval for certain terms depends on your credit, income, and loan size.

One unique feature is Earnest’s ability to customize your monthly payment in increments of just $1 to $5. This makes it easy to match your payments to your budget or payoff goals.

Earnest Benefits That Stand Out

  • Flexible underwriting: Earnest looks beyond your credit score, factoring in savings and cash flow.

  • Custom repayment plans: Choose your own due date, term, and payment amount.

  • Cosigner option: Add a cosigner to boost approval chances.

  • Skip-a-payment: Once per year, with up to 12 months total forbearance.

  • Autopay discount: 0.25% interest rate reduction.

  • Grace period match: Keeps your current loan’s grace period (up to 9 months).

  • No hidden fees: No application, origination, late, or prepayment fees.

Things to Keep in Mind

While Earnest is one of the most flexible refinancing lenders, there are a few restrictions:

  • Borrowers at the lower end of fair credit may not qualify despite the 665 minimum score.

  • Parent PLUS loans cannot be refinanced into a child’s name.

  • Earnest refinancing is not offered in Nevada or Mississippi, and variable rates are unavailable in some states.

Earnest vs. Other Student Loan Refinance Lenders

Lender Min. Credit Score Fixed APR Loan Amount Terms
Earnest 665 4.35% – 9.99% $5,000 – $550,000 5, 7, 10, 15, 20 years
SoFi 650 4.99% – 9.99% $5,000 – full balance 5, 7, 10, 15, 20 years
ELFI 680 4.88% – 8.44% $10,000 – full balance 5, 7, 10, 12, 15, 20 years

How to Apply for Earnest Student Loan Refinancing

Applying for refinancing with Earnest is quick and entirely online:

  1. Prequalify: Use the “Check My Rate” tool to see if you qualify. This takes about 2 minutes and only requires a soft credit check (no impact on your score).

  2. Apply: If you like your estimated Earnest refinance rate, complete the application online or by phone.

  3. Customize your repayment: Choose your preferred loan term, payment amount, and due date.

Final Thoughts

If you’re looking for flexibility, Earnest student loan refinancing is one of the best options on the market. With customizable repayment plans, fair credit approval, no fees, and unique perks like skip-a-payment and grace period matching, Earnest stands out from the competition.

👉 Ready to see your rate? Use this Earnest referral code to check today: Earnest Student Loan Refinance Code


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