SoFi vs Earnest Student Loan Refinance Comparison
Updated August 6, 2026 · Representative rates from current offers
Earnest shows the lower APR right now.
The APR gap is about 0.26%. On a student loan refinance, a lower APR compounds into real savings over the full term, but the rate you are actually offered depends on your credit profile. Get a personalized quote from both before you decide.
Earnest
Earnest
How to read this comparison
These are representative current offers, not a personalized quote. Your actual APR depends on your credit profile, existing balance, and whether you add a cosigner. Confirm the current terms on each provider’s site before applying.
Browse all student loan refinance offers
Compare every student loan refinance we track, ranked and filterable.
Scan the whole picture
Check savings, debt, mortgage, and cards before you switch anything.
FAQ
Is SoFi or Earnest better?
Earnest currently shows the lower APR (2.19% vs 2.45%). A lower APR means a lower cost over the life of the student loan refinance, but confirm fees and your own rate quote before deciding.
Are these student loan refinance rates personalized to me?
No. The rates shown are representative of current offers and will vary with your credit score, existing loan balance, degree type, and whether you add a cosigner. Always get a personalized quote before applying.
Can I apply to both?
Many lenders let you prequalify with a soft credit check that does not affect your score, so you can compare real offers before a hard pull.