Earnest

Lending & Consumer Finance • United Statesearnest.com

Review data last updated August 16, 2026.

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Based on public reviews and response behavior.

Overall Score

68/100

−11.6 vs. last month4.53 ★ average rating · 1,027 reviews

Competitive Performance Rank

Among fully-analyzed Lending & Consumer Finance companies

#60of 275

Top 22% · Top Tier

#1 (best)#275 (worst)

#58Peer

#59Peer

#60This company

#61Peer

#62Peer

Overall Customer Sentiment

Category Leader

80% of reviews positive, 18% negative

80%

positive

Positive80%
Neutral2%
Negative18%

Sentiment Balance

Covering July 2026 — 60 reviews, not the company's full review history.

Positive sentiment

Neutral sentiment

Negative sentiment

—

positive

Positive—
Neutral—
Negative—

Takeaway: Positive sentiment accounts for 70% of reviews in this period, with 23% negative and 7% neutral.

Sentiment Trend Over Time

Reviews (Count)

Showing 1,027 reviews across the months with enough data to chart reliably (min 3/month), most recent: July 2026.

Sentiment has been holding steady over the period shown.

Theme Distribution

Share of theme mentions

Onboarding

31.3%

Response Speed

16.8%

Customer Support

16.3%

Product Quality

11.3%

Communication

8.1%

Most feedback concerns Onboarding.

Churn Signal Score

Rule-based: negative-review share, churn-intent phrases, and sentiment movement over time.

LOW22/100

22/100

signal score

•Built from a negative-review share of 18.3% across this company's analyzed reviews.
•2 reviews contain phrases that signal intent to leave, such as cancelling or switching provider.
•The share of negative reviews has held steady over time, so the trend doesn't move the score.

Reviewer Breakdown

Star split and recent-versus-earlier sentiment.

4.5avg rating

5★

80.8%

4★

7.6%

3★

2.5%

2★

2.3%

1★

6.7%

Based on 1,027 analyzed reviews. Sentiment is holding steady: 91.4% of reviews in the last three months were positive, compared with 90.8% in the three months before that.

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