Payday & personal loans
Earnest payday & personal loans complaints
Consumers have filed 8 complaints about Earnest's payday & personal loans, 1 in the last 12 months. Earnest answered 100% on time and closed 0% with relief. See the whole Earnest record.
Earnest against other personal & payday lenders
| # | Company | 12 months | On time | Relief |
|---|---|---|---|---|
| 1 | Affirm | 2,316 | 100% | 0% |
| 2 | Paramount GR | 904 | 99.8% | 0% |
| 3 | OneMain Financial | 765 | 100% | 7% |
| 4 | Klarna | 652 | 94% | 13% |
| 5 | Block (Cash App) | 447 | 96.2% | 2% |
| 6 | Enova (CashNetUSA, NetCredit) | 434 | 100% | 0% |
| 7 | CCF Intermediate | 388 | 99.7% | 8% |
| 8 | Upgrade | 291 | 100% | 2% |
| 9 | Upstart | 276 | 99.6% | 2% |
| 10 | SoFi | 276 | 100% | 10% |
| 11 | Truist | 274 | 99.6% | 11% |
| 12 | Uprova Credit | 257 | 100% | 0% |
| 13 | Earnest | 1 | 100% | 0% |
Latest Earnest payday & personal loans complaints
| Received | About | Issue | Answer |
|---|---|---|---|
| Jan 29, 2026 | Payday & personal loans | Getting the loan | Explained |
| May 16, 2023 | Payday & personal loans | Problem with the payoff process at the end of the loan | Explained |
| Feb 8, 2023 | Payday & personal loans | Getting the loan | Explained |
| Oct 6, 2019 | Payday & personal loans | Getting the loan | Explained |
| Jul 5, 2018 | Payday & personal loans | Getting the loan | Fixed |
| Nov 26, 2017 | Payday & personal loans | Getting the loan | Explained |
| Oct 5, 2017 | Payday & personal loans | Problem with the payoff process at the end of the loan | Explained |
| Nov 9, 2016 | Payday & personal loans | Taking out the loan or lease | Explained |
Your rights with personal & payday lenders
You can revoke permission for a lender to take automatic payments from your account by telling the lender and your bank. Many states cap interest or ban payday loans altogether, and the Military Lending Act caps most loans to active-duty servicemembers and their families at 36% APR.
General information, not legal advice; rules vary by state. Plain-English guides
Complaint records are public consumer complaints filed with U.S. regulators, checked (newest received Nov 15, 2026). Complaints are consumers' own accounts and are not verified; counts grow with a company's size. How the data works
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