Compare Credible vs. Earnest Student Loan Refinance

What’s the difference between Credible Student Loan Refinance and Earnest Student Loan Refinance? See how our editors compare the two companies below.
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Credible
9.4 / 10 - Exellent
#3 in Student Loan Refinance
Our Partner
Earnest
9.8 / 10 - Exellent
#1 in Student Loan Refinance
Our Partner
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Key Facts
  • Rates start for as low as 1.92% variable and 3.74% fixed APR
  • Find your rate in 2 minutes
  • Checking your rates does not affect your credit score
  • Get the best offers from top lenders
  • Select from multiple student refinance offers
  • Consolidate some or all to make single payments
  • Get prequalified in minutes 
  • Our #1 Choice Saves you $21,810 on average for student loan refinancing
  • More rates to choose from = more flexibility
  • Switch from fixed to variable or vice versa to take advantage of low interest rates
  • Unemployment protection
  • Change payment amount and payment date anytime
  • Get a quick rate estimate in 2 minutes
  • A bank with personality. Call, email or text them anytime.
  • No minimum credit score or minimum income requirements
ConsumersAdvocate.org Ratings
9.4 / 10 - Exellent
9/10
Savings
9/10
Qualifications
10/10
Loan Limits/Terms
10/10
Customer Service
10/10
Additional Fees
10/10
Application Process
9.8 / 10 - Exellent
10/10
Savings
10/10
Qualifications
10/10
Loan Limits/Terms
9/10
Customer Service
10/10
Additional Fees
9/10
Application Process
Final Verdict

Earnest Student Loan Refinance has a higher overall rating than Credible Student Loan Refinance. Earnest scores better than Credible across: Savings, and Qualifications. However, Credible scores better on Customer Service, and Application Process. Both companies score similarly on Loan Limits/Terms, and Additional Fees.