SoFi Student Loan Refinance vs. Earnest Student Loan Refinance

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

SoFi logo
SoFi Student Loan Refinance
SoFi
4.6

APR 4.99–14.70%. Up to $500K. No fees.

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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 Student Loan Refinance may still be the right fit depending on your loan amount and term needs.

Feature
SoFi Student Loan
Earnest Student Loan
APR Range
4.99% – 14.70%
4.96% – 9.99% Best
Loan Amount
$5,000 – $500,000
$5,000 – $500,000
Term Length
60–240 months
60–240 months
Origination Fee
None
None
Min Credit Score
650+
650+
Funding Speed
2–3 weeks
2–3 weeks
SoFi Student Loan Refinance
Pros
  • No fees
  • No fees
  • Unemployment protection
  • Unemployment protection
  • Competitive rates
  • Competitive rates
Cons
  • Must have degree
  • Must have degree
  • Good credit required
  • Good credit required
Full review
Earnest Student Loan Refinance
Full review

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