Earnest Student Loan Refinance vs. PenFed Student Loan Refinance

Side-by-side comparison · Updated 2026 · Independently reviewed

Earnest Student Loan Refinance

Earnest

4.5

APR 4.96–9.99%. Precision pricing. No fees.

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PenFed Student Loan Refinance

PenFed

4.3

APR 5.49–9.99%. Up to $300K. Credit union rates.

Full review →

WealthSpott Verdict

Earnest Student Loan Refinance wins on more measurable categories — particularly on rate and cost. PenFed Student Loan Refinance may still be the right fit depending on your loan amount and term needs.

Feature

Earnest Student Loan

PenFed Student Loan

APR Range

4.96% – 9.99% Best

5.49% – 9.99%

Loan Amount

$5,000 – $500,000 Best

$7,500 – $300,000

Term Length

60–240 months

Origination Fee

None

Min Credit Score

650+ Best

670+

Funding Speed

2–3 weeks

3–4 weeks

Earnest Student Loan Refinance

Full review

PenFed Student Loan Refinance

Full review

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