Earnest Mobile Reviews: Is It Legit?

Name: Earnest Mobile
Rating: 1.9 (40 reviews)

Earnest Mobile

Earnest Inc.

📚 Education

💰 Finance

Customer Experience

Positive experience10.3% of reviews

Neutral6.9% of reviews

Negative experience82.8% of reviews

~ Based on 29 written reviews from the US App Store.

Is Earnest Mobile Safe?

Earnest Mobile does not appear safe based on available data. AppsHunter Safety Score for Earnest Mobile is 49/100.

This assessment is based on 40 user ratings, with an App Store average of 1.9/5.

Safety Analysis

17.5% of ratings point to a safe experience

7.5% of ratings suggest some concerns

75.0% of ratings point to a risky experience

~ Based on 40 App Store ratings for Earnest Mobile.

Is Earnest Mobile Legit?

Earnest Mobile appears legitimate, with a few gaps. AppsHunter Legitimacy Score for Earnest Mobile is 75/100.

Based on 75 of 100 points across 7 verification signals from App Store and developer data.

Top reviews

Most Recent Highest Rated Lowest Rated

Thank you

Finally added Face ID!!

mkivi

12 days ago

Why does this exist? Go to website instead

To get any important details you still have to use the website. If you want payment history= login to website. This app provides zero value in its current configuration. Either expand its usefulness or just delete it from the App Store.

Matt_63

2 months ago

Almost non-functional

Easily the worst finance app I’ve ever used. The 2FA is required and only accessible through email, and it can take 5 minutes to send a code, making accessing the app in the first place very annoying. Once in the app, the information is poorly organized, unintuitive, and generally difficult to navigate.

dkdhebw

3 months ago

Needs QoL Touches

The app gets what I need done - but it feels outdated for 2026. E-mail should not be the sole means of 2FA as that is one of the least secure options available. Navigation could be more intuitive once in App. It’s a shame because the loan product I have with the company is fantastic, but the digital, self service experience they offer doesn’t live up to the quality of their lending product.

Ariess1gn

3 months ago

Poor experience

Logging in takes minutes with MFA going to email. No way to switch to text based. Also, doesn’t say when you need to update until after logging in. Such simple fixes that need to happen to be a competitive app. Almost makes me want to refinance the loan again to get it out of this poor system.

Ttop2011

3 months ago

Okay app/ company

The company itself offers great interest rates if you’re trying to refinance but I hate that you can’t cancel payments, see a history of all your payments on the app and did not like that your promised interest rate is actually the interest rate if you are in auto pay - which was not explained until after. App can be slow and sometimes does not log you in but does on the web portal.

A8525

4 months ago

Logging In

Whenever I try to login to the app, I get the code and input the code, and get unexpected error. I see multiple reviews about this dating months...

deedoubleu26

4 months ago

App doesn’t work

Earnest is great however the app won’t log in anymore. Get the code to log in. Put it in and it shows “unexpected error occurred, try again later”. Defeats the purpose of having an app.

Guy3210

4 months ago

Garbage

Keeps giving me a “unexpected error has occurred” message.

I refinanced from Sallie Mae for a better interest rate, I’m starting to regret that decision. I should have stayed with Sallie Mae.

I’m getting this loan paid off asap so I don’t have to deal with this anymore.

TheMFHOFF

4 months ago

App has fatal flaws

Don’t use this app. You can’t even log in. Just get an error on MFA. Terrible. May go back to Sofi. At least their app works.

landstuhl

4 months ago

An Unexpected error has occurred. Please try again later.

Good luck logging it. An error occurs every time. Just use the website. This app sucks.

Ausnow50

5 months ago

Unfortunate app experience

Honestly the information presented is not clear and the app isn’t intuitive. Even basic information is hard to find, like your actual due date. You can’t see payment history until days later. The auto pay isn’t easy to set up, either. It’s one of the most important features and a “perk” of going with this company but it’s the worst out of any I’ve used. Why can’t I set up even, biweekly payments in a way that automatically balances the two out? Trying to talk to support and get this set up isn’t a whole lot easier. And no other authentication besides sending me an email EVERY SINGLE TIME I want to use the app? I understand wanting to be secure but this is a little crazy in the year 2026. Let me use Face ID, an authenticator, text me, theres a ton of options other than send an email. It’s an awful user experience. Summary: Hard to find my due date, set up automatic payments, even sign in… The app alone is frustrating enough to work with that I’m considering refinancing my loan at a slightly higher rate just to get a system that works better and is more user friendly.

LadyJay98

5 months ago

Desperately needs Face ID

I appreciate that there is two-factor authentication but it is very cumbersome to login without Face ID. Hopefully they will add it as part of a future release.

khoang92

6 months ago

Face ID

Needs Face ID. Having to wait to receive an email code each time, with no option to receive a text, or use Face ID, such a large hassle for the end user

Cooley194

6 months ago

Genuinely one of the buggiest apps out there

Constant screen flickers and crashes. I don’t know how this can happen with such a simple app, but they found a way to do it.

Just use the website folks.

Meyers1990

7 months ago

Email Code Not Being Received

The email and code needed for login authentication is not being sent. I receive other emails from earnest but not the login email. I reported the issue 2 days ago and have yet to receive a response.

PROO 28

8 months ago

Ridiculous auto log out

Authentication sent to my email every single time that I log in, but I can’t access my email because if I open another app it sends me back to square one at the login screen.

This is ridiculous.

koby27k

8 months ago

Response from developer

Thanks so much for reaching out and bringing this recent experience to our attention. We’re really sorry to hear the mobile app isn’t working as expected. We’ve been made aware of this issue, and we encourage you to visit the App Store to check for any available updates. New versions often include important bug fixes, including a recent update to fix this exact issue! Please reach back out if you continue having login issues by emailing our team at hello@earnest.com using the email address associated with your Earnest account, referencing Mobile App in the subject line. You can also give us a call at (888) 601-2801, Monday through Friday, 6 a.m. to 5 p.m. PT, excluding holidays. We want to ensure that you can easily manage your loans on whichever platform you choose.

Payments not being updated

Payments doesn’t show up and always 5 days later. Only amount is deduct no record of transactions. Need to log into the website to see actual payment record. Defeating purpose of mobile app. . No way to turn off 2FA. Login in everytime meaning having to check email and get code. No facial recognition to integrate with iPhone’s capabilities. Software is very weak. Please improve,

salivating101

9 months ago

Response from developer

Thank you for your rating and feedback! We apologize for the less-than-exceptional experience. We would love to investigate your concerns further and help troubleshoot your app login issue. Please email our team at hello@earnest.com using the email address associated with your Earnest account, referencing Mobile App in the subject line. You can also give us a call at (888) 601-2801, Monday through Friday, 6 a.m. to 5 p.m. PT, excluding holidays. We appreciate your time and look forward to hearing from you!

2 issues

Is it REALLY necessary to authenticate with an email EVERY time I want to log in? At least make it secure for a month or so like every other app in existence.

Also please fix the connection with the budget app monarch. This is the only account that doesn't feed properly into their systems.

skyberg141

9 months ago

Response from developer

Thank you for your rating and feedback! One of our primary goals is to ensure your private information stays private. Earnest doesn't currently integrate with third party systems for security reasons. It may not be something we currently offer, but appreciate your valuable feedback and will take back to our team for future considerations. With that in mind, we are exploring additional authentication methods, such as facial recognition! We hope to offer you advanced login options soon.

I’ve been waiting for this app!

This first version is good at getting you your student loan info quickly but it still has some bugs.

I refinanced a few years ago and every time I open the app, it gives me a congratulatory message for paying it off (not really understanding my current state). Also, for my current loan, it has the wrong percent paid down on the Home Screen but it is correct when I click into the loan.

I’m glad that they added two factor authentication — but would love another option other than email, particularly facial recognition.

FujiBridgette

10 months ago

Response from developer

Thank you for your rating and feedback! One of our primary goals is to ensure your private information stays private. With that in mind, we are exploring additional authentication methods, such as facial recognition! We hope to offer you advanced login options soon.