AscentConnect vs Earnest Mobile
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
AscentConnect
Manage your student loans with ease. Apply for new loans, track your balance, and update billing information. Build healthy financial habits by making timely payments and exploring exclusive student benefits.
- Apply for loans
- Manage loan payments
- Track loan balance
- Update billing information
- Set up autopay
- Access exclusive student benefits
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AscentConnect, created by Ascent Funding*, helps you apply for a loan and manage your payments easily. Stay up-to-date on your loan balance so you never miss a payment and update your billing info when you need to. TRUSTED BY STUDENTS Applying for a loan and accessing your loan information 24/7 has never been easier with Ascent’s mobile app. BUILD HEALTHY FINANCIAL HABITS Making payments on time, setting up autopay, and paying more than the minimum amount due can help you build healthy financial habits early. GET EXCLUSIVE BENEFITS With an Ascent loan, you’ll get access to free, interactive resources to help you achieve academic milestones, career breakthroughs, & financial independence with exclusive resources and access to paid internship opportunities.** Bright Futures™ are ahead! Download the AscentConnect mobile app today! By downloading this mobile application, I agree that I have read and understand Ascent's online Terms and Conditions (https://www.ascentfunding.com/terms-conditions/), Privacy Policy (https://www.ascentfunding.com/privacy-notice/), and Electronic Communications Consent (https://www.ascentfunding.com/electronic-communication-disclosure/). I also agree that I am at least 18 years old or the age of majority in my state of residence. *The AscentConnect mobile app is serviced by Launch Servicing, LLC. Mobile carrier fees may apply. **Ascent applicants and borrowers that agree to the AscentUP Terms of Service and Privacy Policy, as well as students associated with an Ascent parent loan application, have access to the AscentUP platform.
Earnest Mobile
Easily manage your student loans on the go. Track repayment progress, view balances, make payments, and adjust Auto Pay settings from a single, convenient platform.
- Track repayment progress
- View loan balances
- Make and schedule payments
- Manage Auto Pay settings
- Update profile information
- Review payment history
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Managing your student loans just got easier with the Earnest app. Log in from anywhere at any time to track your progress, make payments, edit Auto Pay settings, and more, all in one place. Review your loans at a glance: - Track your repayment progress - Check your remaining balance - See your next scheduled payment Manage your payments: - Make payments and schedule future payments - Make extra payments - Review payment history - See your upcoming payments Edit your Auto Pay settings: - Enroll in Auto Pay - Change Auto Pay amount, frequency, and bank account - Cancel Auto Pay Update your information: - View your profile - Update your bank account info We’re always making improvements to create the most seamless experience for our clients, so stay tuned for new features.
Screenshots
Verdict
The clearest difference is rating: AscentConnect at 3.9 against Earnest Mobile's 1.8. AscentConnect also leads on review sentiment (44% vs 7%) and ratings volume (277 vs 37). Earnest Mobile's advantage is ads (none vs shown) and monetization model (free vs free with in-app purchases). On price, update cadence, in-app purchases and device support there is nothing between them.
Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
AscentConnect holds the better App Store score, 3.9 against 1.8. That said, the two scores are not equally well evidenced: AscentConnect has 277 ratings behind it against 37, so its average is the more settled of the two. Written reviews point the same way: 44% of AscentConnect's written reviews are positive against 7% of Earnest Mobile's.
Both ship on a similar rhythm, roughly every 3 weeks. The most recent releases landed on September 21, 2026 and September 16, 2026 respectively.
| Parameter | AscentConnect | Earnest Mobile |
|---|---|---|
| Price | Free | Free |
| Rating | 3.9 (277 ratings) — better | 1.8 (37 ratings) |
| Positive reviews | 44.1% of reviews — better | 7.1% of reviews |
| Number of ratings | 277 — better | 37 |
| Update frequency | Every 3 weeks | Every 3 weeks |
| Ads | Yes | No — better |
| In-app purchases | No | No |
| Monetization | Free with in-app purchases | Free — better |
| Devices | iPhone, iPod | iPhone, iPod |
| Requires iOS | 15.1 — better | 15.8.2 |
| Further details — not scored | ||
| Size | 58 MB | 41 MB |
| Age rating | 4+ | 4+ |
| Developer | Ascent Funding, LLC | Earnest Inc. |
Customer experience
AscentConnect
Earnest Mobile
Bugs and requests
AscentConnect
Reported bugs
12 issues- Login credentials not saved, app forgets email and password
- Secondary authentication code screen goes blank
- App stuck on second authorization page
- Payment input field requires deletion of zeros before entering amount
- Loans not displaying in app but visible on website
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- Double charging on payments
- Automatic payment processing failures
- Payment not reflecting in system despite submission
- Inconsistent font sizes and screen layouts
- App continuously asks about existing account while logged in
- Verification code takes 30+ minutes to arrive
- Loading issues preventing loan visibility
Requested features
10 requests- Payment breakdown showing principal vs interest allocation
- Loan balance display in recent payments section
- SMS verification code option instead of email
- Visual graphs and charts for loan terms
- Calendar view for payment schedules
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- Principal paid tracking and visualization
- Account deletion option in app
- Better menu organization and layout
- Loan buyout program for incomplete education
- Face ID and biometric login options
Earnest Mobile
Not enough reviews yet to summarise bugs or requests.
In-app purchases
AscentConnect
No in-app purchases
Earnest Mobile
No in-app purchases
Questions
Is AscentConnect free?
Is Earnest Mobile free?
Which has better reviews, AscentConnect or Earnest Mobile?
Do AscentConnect or Earnest Mobile have ads?
Which is updated more often, AscentConnect or Earnest Mobile?
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