US Bank Auto Loan vs. Earnest Student Loan Refinance
Side-by-side comparison · Updated 2026 · Independently reviewed
WealthSpott Verdict
Earnest Student Loan Refinance wins on more measurable categories — particularly on rate and cost. US Bank Auto Loan may still be the right fit depending on your loan amount and term needs.
Feature
US Bank Auto
Earnest Student Loan
APR Range
6.74% – 22.74%
4.96% – 9.99% Best
Loan Amount
$5,000 – $100,000
$5,000 – $500,000 Best
Term Length
12–84 months
60–240 months
Origination Fee
None
None
Min Credit Score
660+
650+ Best
Funding Speed
1–2 days
2–3 weeks
US Bank Auto Loan
Earnest Student Loan Refinance
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