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Lender Disclosures: To qualify, you must be a U.S. citizen or possess a 10-year (non-conditional) Permanent Resident Card, reside in a state Earnest lends in, and satisfy our minimum eligibility criteria. You may find more information on loan eligibility here: https://www.earnest.com/eligibility. Not all applicants will be approved for a loan, and not all applicants qualify for the lowest rate. Approval and interest rate depend on the review of a complete application.Earnest´s fixed rate loan rates range from 3.45% APR (with autopay) to 6.99% APR (with autopay). Variable rate loan rates range from 2.05% APR (with autopay) to 6.49% APR (with autopay). For variable rate loans, although the interest rate will vary after you are approved, the interest rate will never exceed 8.95% for loan terms of 10 years or less. For loan terms of 10 to 15 years, the interest rate will never exceed 9.95%. For loan terms over 15 years, the interest rate will never exceed 11.95% (the maximum rates for these loans). Earnest variable interest rate loans are based on a publicly available index, the one month London Interbank Offered Rate (LIBOR). Your rate will be calculated each month by adding a margin between 0.29% and 4.73% to the one month LIBOR. The rate will not increase more than once per month. Earnest rate ranges are current as of 10/21/2019 and are subject to change based on market conditions and borrower eligibility. Review loan cost examples at www.earnest.com/rate-disclosures.Autopay Discount: If you make monthly principal and interest payments by an automatic, monthly deduction from a savings or checking account, your rate will be reduced by one quarter of one percent (0.25%) for so long as you continue to make automatic, electronic monthly payments. This benefit is suspended during periods of deferment and forbearance.The information provided on this page is updated as of 10/21/2019. Earnest reserves the right to change, pause, or terminate product offerings at any time without notice.Earnest loans are originated by Earnest Operations LLC. California Finance Lender License 6054788. NMLS # 1204917. Earnest Operations LLC is located at 303 2nd Street, Suite 401N, San Francisco, CA 94107. Terms and Conditions apply. Visit www.earnest.com/terms-of-service, e-mail us at email@example.com, or call 888-601-2801 for more information on our student loan refinance product.Loan fees: Earnest does not charge fees for origination, late payments, or prepayments. Florida Stamp Tax: For Florida residents, a Florida documentary stamp tax is required by law, calculated as $0.35 for each $100 (or portion thereof) of the principal loan amount, the amount of which is provided in the Final Disclosure. Lender will add the stamp tax to the principal loan amount. The full amount will be paid directly to the Florida Department of Revenue. Certificate of Registration No. 78-8016373916-1.
Upturn: Upturn is not a lender and does not make loans or credit decisions. The Upturn website does not constitute an offer or solicitation to lend and participation in the Upturn service does not guarantee that you will be approved for any future credit. Upturn is not an agent or representative of any lender and does not endorse you for any service or product. Advertiser Disclosure: Offers appearing on this site are from third party advertisers. Upturn may receive compensation from such advertisers. Products may be arranged and ordered on the site in certain ways due to the compensation provided. A wide variety of offers may be available, but these do not represent everything available in the overall market.