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Earnest

•
250 employees
Remote-First

Earnest is a fintech lender offering private student loans, student loan refinancing and personal loans. Founded in 2013 with a mission to make higher education accessible and affordable for everyone, it bases loan rates on a borrower's individual financial profile.

Earnest's Remote Policy

From Earnest's careers page: "Remote-first flexibility: Create your workspace at home or anywhere you feel the most successful."

All of Earnest's current openings are remote and open to US-based candidates, and one posting states that the "Position is 100% remote." The company also keeps offices in Oakland, California and Murray, Utah.

Benefits & Perks

Health & Wellness

3

Health Insurance

Health coverage is part of a benefits package that also includes dental and vision plans and savings plans.

Dental Insurance

Dental benefits come bundled with Earnest's health and vision coverage.

Vision Insurance

Vision benefits are offered alongside Earnest's health and dental coverage.

Financial

4

401(k) / Retirement Plan

Earnest's 401(k) retirement plan comes with a dollar-for-dollar employer match.

401(k) Match

Earnest matches 401(k) contributions dollar-for-dollar up to 5% of eligible compensation.

Employee Stock Purchase Plan

Employees can buy company stock through an employee stock purchase plan, offered alongside restricted stock units.

Equity / RSUs

Compensation includes restricted stock units (RSUs) in addition to an employee stock purchase plan.

Time Off

2

Meeting-Free Days

Tuesdays are meeting-free at Earnest, giving employees a day to focus on heads-down work without interruption.

PTO / Vacation

Earnest describes its paid time off policy as generous; no fixed day count is published.

Remote & Equipment

4

Home Office Stipend

New employees receive an initial $1,000 for supplies to set up a home workspace.

Internet Stipend

Earnest pays $100 each month toward employees' phone and internet costs.

Company Equipment

Employees are issued Mac computers for their work.

Company Offsites / Retreats

Earnest brings the whole company together at annual offsites, with past events ranging from go-karting in Salt Lake City to karaoke in Las Vegas.

Family & Care

1

Parental Leave

New parents receive up to 12 weeks of 100% paid leave, regardless of parental role.

Professional Growth

1

Learning & Development Budget

Tuition reimbursement covers job-related courses and degrees.

Culture & Perks

2

Vacation Bonus

Each year Earnest gives employees a $1,000 travel perk, which the company presents as a gift toward a well-earned vacation.

Employee Resource Groups

Earnest's employee resource groups include BEE, PRIDE, LatinEST, FeminEST, E.A.S.T. and WellnEST, which host events such as Drag Bingo, a Spicy Noodle Challenge and financial literacy sessions.

Tech Stack

JavaScript & Libraries

React
Radix UI
Redux
React Native
Jest

Frameworks

Next.js
Angular
Node.js
GraphQL
JavaScript
TypeScript
Python
R

Databases

PostgreSQL
Snowflake

Infrastructure

AWS
Docker
Kubernetes
GitHub

CMS & Content

Storyblok

Analytics & Monitoring

StatusPage IO
Optimizely

Sales & CRM

Salesforce

Payments

Plaid

Integrations

Slack
Zoom
Airtable
Greenhouse
29 technologies detected

Why Earnest

Earnest underwrites differently from a traditional lender. Instead of stopping at a credit score, it looks at factors such as education, saving patterns, investments and career trajectory. Its refinancing and personal loans carry no origination, application or late fees, and the company describes itself as a partner in customers' financial journeys "from education to career."

Inside, the team works by five named principles: Every Second Counts, Choose to Do Hard Things, Pursue Excellence, Lead Together and Don't Take Yourself Too Seriously. The last one shows up in practice. Annual company-wide offsites have run "from go-karting in Salt Lake City to karaokeing in Las Vegas," and employee resource groups such as BEE, PRIDE, LatinEST, FeminEST, E.A.S.T. and WellnEST host events ranging from a Spicy Noodle Challenge and Drag Bingo to financial literacy sessions.

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