Above Lending vs Earnest: most-reported complaints compared
Most-reported issues at Above Lending and Earnest, according to reviewers on Trustpilot — classified by our automated reader and backed by verbatim quotes from distinct reviews. This is a side-by-side of what reviewers report, not a score, rating or recommendation for either company.
Above Lending
TrustScore 4.9 · 5,328 reviews on Trustpilot.
381 reviews analysed, 2025-04-18 to 2026-09-02.
Complaint rate (recent window): 3%
100% of negative reviews get a company reply.
“transparency of the loan details is appalling”
Earnest
TrustScore 4.6 · 8,544 reviews on Trustpilot.
450 reviews analysed, 2026-03-06 to 2026-09-24.
Complaint rate (recent window): 9%
75% of negative reviews get a company reply.
“Earnest changed the length of the loan term after I signed it”
Reported on both
Issues with an evidenced category (at least two verbatim quotes) on both sides.
| Issue | Above Lending | Earnest |
|---|---|---|
| Misleading pricing | 40% | 24% |
| Other | 23% | 16% |
| Overcharging | 23% | 8% |
| Support unhelpful | 14% | 25% |
Method: reviews are classified into a fixed complaint taxonomy by an automated reader; every category shown is backed by at least two verbatim quotes from distinct reviews. Figures are census classifications, not official statistics, and reflect what reviewers reported — not findings of wrongdoing by either company. Not affiliated with, endorsed by, or sponsored by Trustpilot A/S, Above Lending or Earnest.