Terms of Use

You may use our request form only if you are at least 18 years old, or older where state law requires, and a legal resident of the United States able to enter a binding agreement.

Some lenders require you to be 19 in Alabama and Nebraska, and lenders may set further requirements such as income, residency and an active checking account. By submitting a request, you confirm that the information you provide is true, complete and your own, and that you are submitting it for yourself and not for someone else.

We operate a free connection service that shares your request with lenders in our network; we are not a lender, we do not make credit decisions, and we do not fund, broker or service loans.

Using the site does not create a lender, broker, agent or fiduciary relationship between you and us. Any loan is made solely by the lender under the lender's own agreement, which you review and accept on the lender's site. Your rights and obligations for a loan are set by that agreement and by applicable law, not by these terms. We are not affiliated with any lender or company named Earnest. To understand how we are paid by lenders and partners, read our advertiser disclosure.

Submitting a request does not assure that any lender will respond, make an offer or approve a loan, and any rates, amounts or terms shown on our site are estimates only.

Lenders decide independently, terms vary by lender and state, and not every lender operates in every state. Our network does not include every lender or product available in the market. Calculators, examples and figures on the site, including the representative example of $2,000 over 12 months at 24.00% APR with 12 monthly payments of $189.12, total repaid $2,269.44, are illustrations and not offers of credit.

You agree to provide accurate information, to use the site only for lawful purposes, and not to interfere with the site, its security or other users.

You agree that you will not:

• Submit false, misleading or another person's information.
• Use the site to commit fraud or to collect information about others.
• Attempt to gain unauthorized access to the site, its servers or our data.
• Use bots, scrapers or automated tools to copy content or submit requests.
• Upload malicious code or attempt to disrupt the site's operation.

By submitting a request, you consent to be contacted by us and by lenders and partners in our network about your request, by email, phone or text, including through automated means where the law allows. Our privacy policy explains how your information is collected, shared and protected, and how to opt out of marketing.

All content on the site, including text, guides, graphics, logos, design and code, belongs to us or our licensors and is protected by copyright, trademark and other laws.

You may view and print pages for your own personal, non-commercial use. You may not copy, republish, sell or create derivative works from site content without our written permission. Any references to other companies' names are for identification only and do not imply endorsement or affiliation.

The site and its content are provided on an as-is and as-available basis, without warranties of any kind, and our guides are general information rather than financial, legal or tax advice.

We work to keep content accurate, but we do not warrant that it is complete, current or error-free, or that the site will be uninterrupted or free of harmful components. Readers searching for earnest personal loans should confirm every rate, fee and term in the lender's own disclosures before signing, and consider speaking with a qualified professional about their situation.

To the fullest extent the law allows, we are not liable for indirect, incidental, special or consequential damages arising from your use of the site or from any lender's decisions, offers or loans.

Our total liability for any claim related to the site is limited to one hundred dollars. Some states do not allow certain limitations, so parts of this section may not apply to you. You agree to indemnify us against claims arising from your misuse of the site or violation of these terms.

Tennessee law governs these terms, without regard to conflict-of-law rules, and any dispute will be resolved in the state or federal courts located in Davidson County, Tennessee.

We may update these terms at any time by posting a revised version on this page, and continued use of the site after a change means you accept the revised terms. If any provision is found unenforceable, the rest remain in effect. Questions about these terms can be sent to [email protected], by phone at (888) 856-1106, or by mail to 8655 Ridge Court, Suite 433, Nashville, TN 37219.