aid: earnest
accessModel:
  pricing: unknown
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Unknown
  confidence: low
  source: []
  generated: '2026-07-22'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/earnest.png
name: Earnest
description: >-
  Earnest is a technology-driven consumer finance lender headquartered in San Francisco,
  offering student loan refinancing, private student loans, Parent PLUS loan refinancing,
  and personal loans through Earnest Operations LLC and its bank partner FinWise Bank.
  Founded in 2013 and backed by investors including Andreessen Horowitz (a16z), Battery
  Ventures, and Slow Ventures, Earnest uses data-driven underwriting and merit-based pricing
  to serve borrowers, reporting more than $24 billion in student loans refinanced and over
  420,000 clients. Earnest is a consumer-facing lending brand and does not currently publish
  a public developer API, developer portal, or API reference; this profile captures its
  public web, security, and legal surface for the API Evangelist network.
url: https://raw.githubusercontent.com/api-evangelist/earnest/refs/heads/main/apis.yml
x-type: company
x-source: vc-portfolio
x-backed-by:
- a16z
- battery-ventures
- slow-ventures
x-tier: stub
x-tier-reason: portfolio-lead
specificationVersion: '0.20'
created: '2026-07-17'
modified: '2026-07-18'
tags:
- Company
- Fintech
- Lending
- Student Loans
- Personal Loans
- Consumer Finance
- Loan Refinancing
apis: []
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: Website
  url: https://www.earnest.com
- type: Blog
  url: https://www.earnest.com/blog
- type: Support
  url: https://help.earnest.com/hc/en-us
- type: Login
  url: https://www.earnest.com/login
- type: TermsOfService
  url: https://www.earnest.com/terms-of-service
- type: PrivacyPolicy
  url: https://www.earnest.com/privacy
- type: DomainSecurity
  url: security/earnest-domain-security.yml
x-enrichment:
  date: '2026-07-19'
  status: backfilled
  pass: local-v1
  note: backfilled from .gitignore signal + verified work evidence