Earnest Mobile

Name: Earnest Mobile
Rating: 1.9 (35 reviews)
Author: Earnest Inc.

Finance

Only for iPhone

Free

35 Ratings
Age Rating

4+
Years
Category

Finance
Developer

Earnest Inc.
Language

EN
English
Size

42.9
MB

iPhone

Managing your student loans just got easier with the Earnest app. Log in from anywhere at any time to track your progress, make payments, edit Auto Pay settings, and more, all in one place. Review your loans at a glance: - Track your repayment progress - Check your remaining balance - See your next scheduled payment Manage your payments: - Make payments and schedule future payments - Make extra payments - Review payment history - See your upcoming payments Edit your Auto Pay settings: - Enroll in Auto Pay - Change Auto Pay amount, frequency, and bank account - Cancel Auto Pay Update your information: - View your profile - Update your bank account info We’re always making improvements to create the most seamless experience for our clients, so stay tuned for new features.

Ratings & Reviews

1.9

out of 5

35 Ratings

Okay app/ company
Jun 17
A8525
The company itself offers great interest rates if you’re trying to refinance but I hate that you can’t cancel payments, see a history of all your payments on the app and did not like that your promised interest rate is actually the interest rate if you are in auto pay - which was not explained until after. App can be slow and sometimes does not log you in but does on the web portal.
Okay app/ company
Jun 17
A8525

The company itself offers great interest rates if you’re trying to refinance but I hate that you can’t cancel payments, see a history of all your payments on the app and did not like that your promised interest rate is actually the interest rate if you are in auto pay - which was not explained until after. App can be slow and sometimes does not log you in but does on the web portal.
Unfortunate app experience
May 22
LadyJay98
Honestly the information presented is not clear and the app isn’t intuitive. Even basic information is hard to find, like your actual due date. You can’t see payment history until days later. The auto pay isn’t easy to set up, either. It’s one of the most important features and a “perk” of going with this company but it’s the worst out of any I’ve used. Why can’t I set up even, biweekly payments in a way that automatically balances the two out? Trying to talk to support and get this set up isn’t a whole lot easier. And no other authentication besides sending me an email EVERY SINGLE TIME I want to use the app? I understand wanting to be secure but this is a little crazy in the year 2026. Let me use Face ID, an authenticator, text me, theres a ton of options other than send an email. It’s an awful user experience. Summary: Hard to find my due date, set up automatic payments, even sign in… The app alone is frustrating enough to work with that I’m considering refinancing my loan at a slightly higher rate just to get a system that works better and is more user friendly.
Unfortunate app experience
May 22
LadyJay98

Honestly the information presented is not clear and the app isn’t intuitive. Even basic information is hard to find, like your actual due date. You can’t see payment history until days later. The auto pay isn’t easy to set up, either. It’s one of the most important features and a “perk” of going with this company but it’s the worst out of any I’ve used. Why can’t I set up even, biweekly payments in a way that automatically balances the two out? Trying to talk to support and get this set up isn’t a whole lot easier. And no other authentication besides sending me an email EVERY SINGLE TIME I want to use the app? I understand wanting to be secure but this is a little crazy in the year 2026. Let me use Face ID, an authenticator, text me, theres a ton of options other than send an email. It’s an awful user experience. Summary: Hard to find my due date, set up automatic payments, even sign in… The app alone is frustrating enough to work with that I’m considering refinancing my loan at a slightly higher rate just to get a system that works better and is more user friendly.
I’ve been waiting for this app!
12/21/2025
FujiBridgette
This first version is good at getting you your student loan info quickly but it still has some bugs. I refinanced a few years ago and every time I open the app, it gives me a congratulatory message for paying it off (not really understanding my current state). Also, for my current loan, it has the wrong percent paid down on the Home Screen but it is correct when I click into the loan. I’m glad that they added two factor authentication — but would love another option other than email, particularly facial recognition.

Developer Response
Thank you for your rating and feedback! One of our primary goals is to ensure your private information stays private. With that in mind, we are exploring additional authentication methods, such as facial recognition! We hope to offer you advanced login options soon.
I’ve been waiting for this app!
12/21/2025
FujiBridgette

This first version is good at getting you your student loan info quickly but it still has some bugs. I refinanced a few years ago and every time I open the app, it gives me a congratulatory message for paying it off (not really understanding my current state). Also, for my current loan, it has the wrong percent paid down on the Home Screen but it is correct when I click into the loan. I’m glad that they added two factor authentication — but would love another option other than email, particularly facial recognition.
Developer Response 08/05/2025
Thank you for your rating and feedback! One of our primary goals is to ensure your private information stays private. With that in mind, we are exploring additional authentication methods, such as facial recognition! We hope to offer you advanced login options soon.
Needs QoL Touches
Jul 5
Ariess1gn
The app gets what I need done - but it feels outdated for 2026. E-mail should not be the sole means of 2FA as that is one of the least secure options available. Navigation could be more intuitive once in App. It’s a shame because the loan product I have with the company is fantastic, but the digital, self service experience they offer doesn’t live up to the quality of their lending product.
Needs QoL Touches
Jul 5
Ariess1gn

The app gets what I need done - but it feels outdated for 2026. E-mail should not be the sole means of 2FA as that is one of the least secure options available. Navigation could be more intuitive once in App. It’s a shame because the loan product I have with the company is fantastic, but the digital, self service experience they offer doesn’t live up to the quality of their lending product.

Bug fixes and improvements

Version 1.0.13 Jul 1

Data Linked to You

The following data may be collected and linked to your identity:
- Financial Info
- Contact Info
- Identifiers
Data Not Linked to You

The following data may be collected but it is not linked to your identity:
- Usage Data
- Diagnostics

Privacy practices may vary, for example, based on the features you use or your age. Learn More

Accessibility

Information

Seller: Earnest Inc.
Size: 42.9 MB
Category: Finance
Compatibility: Requires iOS 15.8.2 or later.

iPhone
Requires iOS 15.8.2 or later.

iPod touch
Requires iOS 15.8.2 or later.
Languages: English
Age Rating: 4+

4+

Learn More

Developer Website

Privacy Policy

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Earnest Mobile

Ratings & Reviews

Okay app/ company

Unfortunate app experience

I’ve been waiting for this app!

Needs QoL Touches

What’s New

App Privacy

Data Linked to You

Data Not Linked to You

Accessibility

Information

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