PenFed Auto Loan vs. Earnest Student Loan Refinance

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

PenFed Auto Loan

PenFed

4.4

APR 5.99–17.99%. $500–$150K. Credit union rates.

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Earnest Student Loan Refinance

Earnest

4.5

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

Full review →

WealthSpott Verdict

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

Feature

PenFed Auto Loan

Earnest Student Loan

APR Range

5.99% – 17.99%

4.96% – 9.99% Best

Loan Amount

$500 – $150,000

$5,000 – $500,000 Best

Term Length

36–84 months

60–240 months

Origination Fee

None

Min Credit Score

650+

Funding Speed

1–2 days

2–3 weeks

PenFed Auto Loan

Full review

Earnest Student Loan Refinance

Full review

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