Fixed APRs range from 6.74 % to 30.24% (5.99%–29.49% including an optional 0.25% Auto Pay discount, 0.50% Existing Borrower discount, and 0.25% Credible discount). Lowest rates require top creditworthiness, shortest term, applying via NerdWallet, active/prior Earnest or Navient borrower status, and Auto Pay enrollment. Auto Pay is optional; unenrolling increases your rate by 0.25%. Subject to credit approval.

 

You can take advantage of the Auto Pay interest rate reduction by setting up and maintaining active and automatic ACH withdrawal of your loan payment from a checking or savings account. Only the interest rate will change for earned interest rate reductions for Auto Pay. You will continue to pay the required monthly payment as scheduled under your Loan Agreement.

 

The full range of loan terms vary by state. Representative example of repayment terms for an unsecured personal loan: For $12,000 borrowed over 36 months at 11.99% APR, the monthly payment is $399. This example is an estimate only and assumes all payments are made on time. The actual rate and payment amount may vary and is determined by the term, loan amount, and your credit qualifications.

 

24-hour funding is not guaranteed and is subject to the availability of funds, which includes but is not limited to the time of loan approval, verification requirements, and bank processing times.