SoFi Auto Loan vs. Earnest Student Loan Refinance

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

SoFi logo
SoFi Auto Loan
SoFi
4.5

APR 5.99–17.99%. Purchase or refinance. No fees.

Full review →
Earnest logo
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. SoFi Auto Loan may still be the right fit depending on your loan amount and term needs.

Feature
SoFi Auto Loan
Earnest Student Loan
APR Range
5.99% – 17.99%
4.96% – 9.99% Best
Loan Amount
$5,000 – $100,000
$5,000 – $500,000 Best
Term Length
24–84 months
60–240 months
Origination Fee
None
None
Min Credit Score
680+
650+ Best
Funding Speed
A few days
2–3 weeks
SoFi Auto Loan
Pros
  • Purchase and refinance available
  • Purchase and refinance available
  • No fees
  • No fees
  • Member benefits
  • Member benefits
Cons
  • Good credit needed
  • Good credit needed
  • Online only
  • Online only
Full review
Earnest Student Loan Refinance
Full review

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