Earnest Student Loan Refinance vs. SoFi Home Improvement Loan
Side-by-side comparison · Updated 2026 · Independently reviewed
WealthSpott Verdict
Earnest Student Loan Refinance wins on more measurable categories — particularly on rate and cost. SoFi Home Improvement Loan may still be the right fit depending on your loan amount and term needs.
Feature
Earnest Student Loan
SoFi Home Improvement
APR Range
4.96% – 9.99% Best
8.99% – 25.81%
Loan Amount
$5,000 – $500,000 Best
$5,000 – $100,000
Term Length
60–240 months
24–84 months
Origination Fee
None
None
Min Credit Score
650+ Best
680+
Funding Speed
2–3 weeks
Same day to a few days
Earnest Student Loan Refinance
SoFi Home Improvement Loan
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