Earnest Student Loans

International NBFC

Upto 7 days Loan Processing Time

Margin

NIL

Processing Fees

NIL

Collateral

Non-Collateral

Upto 100% of education cost

Repayment Tenure

Upto 20 years

Cosigner Needed

Conditional

Interest Rate

Starting from 3.74%*

Countries covered

USA

Features of Earnest
Student Loans

Earnest is a merit-based moneylender with a mission of making higher education affordable and accessible for all. They are a founding member of the Fintech Equality Coalition, an organisation that is focused on redesigning a more inclusive and equitable financial ecosystem.

Features	Education Loan Details
Loan amount	Upto 100% of education cost (Non-Collateral)
Margin money	NIL
Interest rate	Starting from 3.74%*
Processing fees	NIL
Processing time	7 days
Loan tenure	Upto 20 years
Prepayment charges	NIL
Countries covered	Earnest provides overseas education loans in numerous countries including USA
Moratorium	Study period + 9 Months

Benefits of Earnest Student Loans

Customised repayment terms
Earnest allows you to choose your repayment terms as per your ease through a flexible process.
Skip a payment
If deemed necessary, Earnest allows skipping of a payment once every 12 months.
Longer grace period
Earnest provides a 9 month grace time, 3 months longer than the average lender terms.
Adjustable payment date
You can push back your recurring payment date by seven days or move it up early through Earnest Finance flexible terms.

How To Apply Fo Earnest

Education Loan For Abroad Studies?

You can apply for an Earnest Education Loan by connecting with our team of experts. Just fill out the form on our website, and we will schedule a callback and guide you through the process.
From helping you upload documents online to presenting them to the banks, Lorien Finance will help you throughout the application process.
Once all your documents are uploaded & the KYC process is complete, you can expect your loan to get sanctioned within a few working days.

Why Choose Lorien To Get Education Loan From Earnest?

Best loans at unbeatable interest rates: Lorien Finance strives to bring you the best possible deals for your study abroad loans. Our experts negotiate on your behalf to get education loans at the lowest possible interest rates.
Effortless Process: All you need to do is fill out the form on Lorien Finance’s website. Yes, it’s that simple! Our team will take it up from there, making it a hassle-free process for you.
100% Free Assistance: Lorien doesn’t charge any processing fee or commission for student loans for your study abroad journey!
Quicker Loans: With constant application tracking and status updates, our experts ensure that your education loan for studying abroad gets sanctioned as early as possible.
Higher chances of approval: In case of any missing documents or other issues, Lorien’s team promptly reaches out to the bank to find solutions to increase your chances of getting a study loan for your overseas education.

Helping you fulfil your study abroad dream!

Fill out the form so our team can get in touch with you!

By entering my details here, I hereby authorize Lorien Finance to contact me through call, message or WhatsApp. It will override my registry on the NCPR/NDNC

Eligibility Criteria For Earnest Education Loan Abroad

Eligibility Criteria for Candidates:
1. Must be an Indian citizen.
2. Must be a full-time student at an accepted college or university.
3. Must borrow a minimum loan amount of US $1,000.
4. Must have a credit score of at least 650.
5. Must have a credit history of three years without any collections or bankruptcies.
6. Must have an annual income of at least US $35,000.
Eligible Countries:
1. USA

Documents Required

For Applicant:
1. Admission letter
2. Identification Proof (Aadhaar card, PAN Card)
3. Valid Passport
4. Available mark sheets/Transcripts
5. Previous Degree
6. Entrance Exam Scores (GRE. IELTS, TOEFL, GMAT, Other) or University Waiver Letter
7. Mark sheets of 10th, 12th, graduation and entrance exams
8. Fee structure
9. Income Proof

Expenses Covered By Earnest Education Loan

Any school related expenses including tuition fees, room and boarding charges, books, transportation, supplies, computer, medical and dependent care expenses.

FAQs

Bringing answers to your questions

Is there a cosigner required for getting an Earnest international student loan?
You can secure a loan from Earnest with or without a cosigner. However, the interest rates are comparatively higher without a cosigner.
What are Earnest student loan rates?
The interest rates for student loans at Earnest can vary between 3.74% to 15.69% depending on certain terms and conditions. With Lorien Finance as your partner, you can be assured of getting the best deal at the lowest possible interest rate.
How can I get an Earnest education loan?
Fill out the form on our website and our experts will get in touch with you, ready to answer each and every question you might have. They will be supporting you throughout the process right from the start till the loan gets sanctioned.
How much time does it take to get a student loan from Earnest?
Depending on the candidate’s profile and documentation, the bank processes the loan usually in 3-5 business days. However, it can take longer. But, worry not! With Lorien by your side, you have experts who reach out to the bank on your behalf and resolve any issues that might arise.

Lorien’s Success Stories

Real Dreams: Real Achievements

I'm Sambhavi, currently working at Deloitte. Lorien Finance helped me secure an education loan for my Master's in Business Analytics at the University...

Sambhavi

I want to express my utmost satisfaction and gratitude to Lorien Finance for their exceptional services....

Rachna

Thanks to Lorien Finance, I was able to secure an education loan without any hassle. Their online application process made it convenient for me to app...

Sharikha

I'm Sambhavi, currently working at Deloitte. Lorien Finance helped me secure an education loan for my Master's in Business Analytics at the University...

Sambhavi

I want to express my utmost satisfaction and gratitude to Lorien Finance for their exceptional services....

Rachna

Thanks to Lorien Finance, I was able to secure an education loan without any hassle. Their online application process made it convenient for me to app...

Sharikha

Finding suitable accommodation in a foreign country can be challenging, but Lorien Finance made it a breeze. Their partnership with reliable housing p...

Sriram

It was a good experience with Lorien Finance throughout the process they helped me in every step and made the process hassle-free and helped me to g...

Rama

It was a good experience with Lorien Finance throughout the process they helped me in every step and made the process hassle-free and helped me to g...