Is Earnest legit?

A factual composite from public reviews, official regulator records, app stores and the company’s own policies. We report evidence, not verdicts of fraud or endorsement.

Based on 450 public Trustpilot reviews published 2026-03-06 to 2026-09-24 — see the Trustpilot page. Not affiliated with Trustpilot or Earnest.

Earnest is an established company with 8,544 Trustpilot reviews and a 4.6 TrustScore. In our census of recent reviews, 9% were classified as complaints, most often support unhelpful, misleading pricing, other. Of 471 company replies to negative reviews analysed, 32% engaged with the specific problem.

What goes wrong most, according to reviewers

Support unhelpful — 17 reports (25% of complaints), rising
Misleading pricing — 16 reports (24% of complaints), rising
Other — 11 reports (16% of complaints)

Full evidence, quotes and trends: the Earnest complaint report.