SoFi is a personal finance company that provides student loan refinancing, mortgages, personal loans, and investment services.
Varies
Best Earnest Alternatives ranked by AI · updated May 2025
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Earnest is a technology-enabled lender that offers student loan refinancing and personal loans with personalized rates.
Price: Varies
Top 6 Earnest alternatives
CommonBond is a student loan refinancing and lending platform that offers competitive rates and flexible repayment options.
MEFA is a nonprofit education-financing organization serving Massachusetts students, families, and colleges. It provides undergraduate and graduate student loans, refinancing, and college-planning...
Pros
- Nonprofit lender focused on education financing
- Offers fixed-rate student loan options
- Provides college-planning and financial-aid guidance alongside loans
Cons
- Eligibility and terms are narrower than federal student aid
- May offer fewer repayment features than larger national lenders
- Primarily relevant to Massachusetts borrowers or students at eligible Massachusetts schools
Interest rates vary; no subscription fee
Climb is an education-financing platform for students attending career-focused training programs. It evaluates programs and applicants with an emphasis on employment outcomes...
Pros
- Focuses on career-training programs often underserved by traditional lenders
- Evaluates schools partly through graduate employment outcomes
- Online application and loan-management experience
Cons
- Only available for eligible programs and participating schools
- Loan availability and rates vary by borrower qualifications
- Narrower coverage than general student-loan marketplaces
Loan rates and terms vary by applicant and program
5
LendKey offers student loan refinancing and private student loans with competitive rates.
Pros
- Specializes in student loans
- Flexible repayment options
Cons
- Limited to educational financing
- May require a co-signer
Varies
6
Ascent Funding
Ascent Funding
Ascent Funding offers private student loans for undergraduate, graduate, bootcamp, and career-training students. Its products include credit-based and outcomes-based financing options for...
Pros
- Covers more education types than Leif
- Offers multiple underwriting paths for borrowers with limited credit history
- Provides conventional loan options alongside outcomes-based products
Cons
- Private-loan interest can make repayment expensive
- Approval and rates depend on credit, income, or a cosigner
- Outcomes-based availability is limited by program
Interest rates and terms vary by loan
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