Earnest vs MPOWER Financing: most-reported complaints compared
Most-reported issues at Earnest and MPOWER Financing, 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 · 8,544 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”
MPOWER Financing
TrustScore 4.7 · 4,057 reviews on Trustpilot.
265 reviews analysed, 2024-06-27 to 2026-09-20.
Complaint rate (recent window): 7%
93% of negative reviews get a company reply.
“Over the phone, some agents are polite—except for one named Joe, who had the audacity to hang up on me during our call.”
Reported on both
Issues with an evidenced category (at least two verbatim quotes) on both sides.
| Issue | Earnest | MPOWER Financing |
|---|---|---|
| Support unhelpful | 25% | 17% |
| Misleading pricing | 24% | 11% |
| Other | 16% | 17% |
| Support unreachable | 10% | 30% |
| Overcharging | 8% | 17% |
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 MPOWER Financing.