Working at Earnest | Glassdoor

Earnest Overview

San Francisco, CA
51 to 200 employees
Subsidiary or Business Segment
Unknown / Non-Applicable
Earnest is a technology company using cutting-edge data science, smarter design, and software automation to rebuild financial services. The company was founded 2013, and is headquartered in San Francisco with an office in Salt Lake City. Earnest was backed by Maveron, Andreessen ... Read more

Mission: Financially responsible people are underserved and overpriced by the traditional banking and student loan system. Earnest is democratizing access to capital for millions of people at younger ages and cheaper prices by empowering people with the financial capital they need to ... Read more

Company Updates

  • In October 2017, Earnest was acquired by Navient. The acquisition allowed Earnest to be backed by a larger company with Navient planning to maintain the brand as a separate unit.

    Navient to Buy Fintech Firm Earnest for $155 Million

    Navient, one of the largest U.S. companies that collects payments on student debt, jumped into the lending business by agreeing to acquire financial-technology startup Earnest Inc.

  • Earnest has opened an office in Salt Lake City

    Earnest, Inc. to Join Utah's Fintech Sector - Utah Business

    Salt Lake City-The Governor's Office of Economic Development (GOED) today announced Earnest, Inc. will expand in Utah, adding up to 500 jobs to the community and $5.6 million in capital investment over the next five years.

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Earnest – Why Work For Us?

We believe financially responsible people deserve something better. That is why we strive to eliminate unnecessary costs from the system and offer our clients the lowest possible rates.

Why We Started Earnest

Whatever your dream, we help you get there. We do simple low-cost lending to financially responsible people, and we allow them to customize their repayment experience to make it easier to pay us back. These loans are not for the most wealthy people. These loans are for great people. We want to help our clients start their lives, put them in control of their finances, realize their aspirations, and create a relationship with them that lasts a lifetime.

We are a team of data nerds who love to use technology, not only to save you money, but to find different and better ways to do lending. We believe the purpose of all banks and lenders is to help their clients realize their hopes and dreams, and we are fed up with a financial system that has forgotten this primary purpose. We started Earnest to bring back the trust that is so sorely missed from the current financial system and to build a modern financial institution that actually delivers on the goal of making our clients lives better.

Who We Are

We are a skilled team of design, math, finance, and technology geeks who think differently about trust within the financial system and decided to do something about it. We started Earnest to build a finance company that combines rich data analytics, simple, functional design, and elegant software to bring people a fast, low-cost, and hyper-personalized experience. Our mission is to greatly enhance people’s lives by lowering the high costs and barriers to credit faced by millions of financially responsible people.


Our values were built into the core of Earnest on day one. These values guide our ship, keeping us constantly aligned with what really matters: our clients.



Client happiness is our true north, and we use both data and empathy to understand our clients’ needs better. Striving daily to provide superior products and unrivaled service, we operate with the utmost integrity to earn client trust and nurture enduring relationships.



We have relentlessly high standards and continuously raise the performance bar on the quality of everything.  If we fall short of our expectations, we don’t rationalize - we make it right.



We work tirelessly to deliver high-impact results at a rapid pace. Initiative, scrappiness, and grit help us take ownership of problems, craft thoughtful solutions, and make the impossible possible.



We love challenges, enjoy effort, and learn from our mistakes as we continuously improve. Our culture of curiosity, risk-taking, and rigorous, data-driven decision making encourages bold steps forward.



Success is built on relationships and believe in the wisdom of our team.  We know that the best decisions are the product of disagreement and debate, not consensus or compromise.  By collaborating cross-functionally -- debating our diverse perspectives rigorously yet respectfully -- we generate better ideas and arrive at better insights and decisions.  


Top-Notch Gear

Every new team member receives a MacBook Air or Pro, a Thunderbolt display, and an adjustable ergonomic desk.

Airfare, Anywhere

For each anniversary with Earnest, we fund a flight of up to $1,000 – anywhere in the world!

Generous PTO

Team members are encouraged to take the time they need to recharge and have fun.  Earnest offers 20-25 days of PTO to start.

Maternity and Paternity 

Earnest recognizes the importance of work-life balance and offers a generous paid leave policy of 12 weeks for expecting fathers and mothers

Health Benefits

We offer our team members a variety of health, medical and vision options so that everyone can choose which plan works best for them and their families.

Commuter Benefits

We offer all team members a pre-taxed benefit and company provided amount for commuter expenses that allows for some serious saving!


We offer a Fidelity 401(k) and Roth plan that allows all team members to start saving for retirement with a 5% employer match.

Employee Stock Purchase Program

We offer Earnies the ability to purchase stock at a 15% discount and join in on our company's success!

Learning & Development

We offer tuition reimbursement and up to $400 a year for Earnies to pursue wisdom and promote curiosity.

Where do Earnies go?

Earnies enjoy PTO all the time and a $1,000 reimbursement toward a flight on each Earnieversary, to anywhere in the world!

Amsterdam, Netherlands: Executive Assisant Alex enjoys a dessert waffle at the Van Gogh Museum.

Cape Town, South Africa: David from Marketing and Copywriting enjoying the views from Table Mountain in South Africa.

Dubai: Product Manager Kevin enjoys a camel ride.

Andes: Even our Head of Growth makes time for some Andean hiking.

Earnest Reviews

Rating TrendsRating Trends
Recommend to a friend
Approve of CEO
(no image)
Susan Ehrlich
9 Ratings
  • Featured Review

    Helpful (5)

    "Back on track"

    • Work/Life Balance
    • Culture & Values
    • Career Opportunities
    • Comp & Benefits
    • Senior Management
    Current Employee - Anonymous Employee
    Current Employee - Anonymous Employee
    Positive Outlook
    Approves of CEO

    I have been working at Earnest full-time (More than 3 years)


    - New, and necessary, sense of focus since management change
    - The company feels like it is on the right track again
    - Backing of Navient opens opportunities
    - Comp in $ instead of "equity"


    - A lot of great people have left
    - Still organizational cleanup to do after a rough 2017
    - Some integration pains with Navient

    Advice to Management

    Focus on being transparent and rebuilding trust that was lost in 2017

See All 85 Reviews

Earnest Photos

Earnest photo of: A new-fashioned bank for the future.
Earnest photo of: Earnest participating in Flag Football during the Summer SF Silicon Valley Sports League!
Earnest photo of: Color Run
Earnest photo of: Agile development... with a view
Earnest photo of: Office with a view.
Earnest photo of: What do YOU do when all the whiteboards are in use?
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Earnest Interviews



Getting an Interview

Getting an Interview




  1. Featured Interview


    Head of Client Happiness Interview

    Anonymous Interview Candidate in Salt Lake City, UT
    No Offer
    Positive Experience
    Average Interview


    I applied online. The process took 4 weeks. I interviewed at Earnest (Salt Lake City, UT) in October 2017.


    Fast paced and enjoyable. Each person I spoke with was pationate about he company. The interview started with the recruiter and then onto two phone interviews and one on site in SLC. I have not completed the full processes as of yet but so far it has been a positive experience and an amazing quality is the recruiter Michelle is great at answering questions and giving feedback.

    Interview Questions

    • Talk to me about a time you had to choose to buy or build tonresolve an issue   1 Answer
See All 42 Interviews

Earnest Awards & Accolades

  • 2016 Fast Company Most Innovative Companies, Fast Company, 2016
  • The Next Wave, LinkedIn, 2015
  • The Fintech 50, Forbes, 2015
  • Webby Honoree, The Webby Awards, 2015
  • Honorable Mention Innovation by Design Award, Fast Company, 2016
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Pledges & Certifications

Pay Equality Pledge

Committed to paying equitably for equal work & experience

Diversity Commitment

Has programs that support a diverse and inclusive workforce

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