Earnest vs Reach Financial™: most-reported complaints compared
Most-reported issues at Earnest and Reach Financial™, 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.
Earnest
TrustScore 4.6 · 8,657 reviews on Trustpilot.
565 reviews analysed, 2026-03-06 to 2026-11-12.
Complaint rate (recent window): 8%
74% of negative reviews get a company reply.
“Earnest changed the length of the loan term after I signed it”
Reach Financial™
TrustScore 4.9 · 3,279 reviews on Trustpilot.
489 reviews analysed, 2021-05-24 to 2026-11-06.
Complaint rate (recent window): 3%
41% of negative reviews get a company reply.
“Steer clear of this shady company!!!”
Reported on both
Issues with an evidenced category (at least two verbatim quotes) on both sides.
| Issue | Earnest | Reach Financial™ |
|---|---|---|
| Support unhelpful | 26% | 12% |
| Misleading pricing | 26% | 20% |
| Other | 16% | 30% |
| Overcharging | 7% | 16% |
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, Earnest or Reach Financial™.